Understanding Title Insurance Rates

Note: This site is intended to provide a comparison of title and escrow rates for informational purposes only. It is not to provide an insurance quote. The title and escrow rates listed are based on rates approved by the Division of Insurance for basic title and escrow services in conjunction with a real estate and mortgage transaction in order to provide a fair basis of comparison among companies.

Services provided in these basic rates include:

  • Review, compliance with, and downloading of instructions and documents
  • Preparation of commission instructions and escrow instructions
  • Procurement of demand statements
  • Ordering of preliminary reports/commitments
  • Figuring files
  • Complying with lender requirements
  • Procuring proper signatures, including loan documents, as necessary
  • Preparing closing statements
  • Receiving and disbursing funds
  • Communication
  • Local delivery
  • Ordinary mailing and postage
  • Ordinary emails, faxes, and phone calls

There may be additional charges or discounts applicable to your particular transaction. Some examples of discounts and additional fees include:

  • First-time homebuyer discount
  • Senior citizen discount
  • Document preparation fee
  • Overnight deliver fee
  • Real estate owned transaction fee
  • Wire fees