Title insurance premium calculator for title companies.

• Owner’s policy, lender’s policy and simultaneous issue in one calculation
• Built-in Florida rates; your own confirmed rate schedule in every other state and DC
• A rate source shown beside every premium, and “(unverified)” on any rate you have not confirmed
• A branded one-page PDF with your logo, your color and the agent’s name, photo and contact details
• Premiums only: no taxes, recording fees or closing-cost fields to explain

Need taxes, fees, a seller net sheet or a calculator on your website? See TitleMagic Quotes. For the Florida numbers behind the built-in rates, read Florida title insurance rates.

1. 1

   Choose the state and county

   Pick where the property is. Florida uses the built-in Florida rates. In any other state, the calculator uses the premium rates your company has entered and confirmed.

2. 2

   Enter the purchase price and loan amount

   The purchase price sets the owner’s policy amount. Add a loan amount for the lender’s policy, and mark simultaneous issue when both policies are issued together.

3. 3

   Read the premiums

   The calculator shows the owner’s premium, the lender’s premium and the total, each with the rate source it came from. Any rate that is not verified is labeled unverified.

4. 4

   Download the branded PDF

   Make a one-page PDF with your logo and color and the agent’s name, photo and contact details, ready to send to a buyer, seller, lender or real estate agent.

Title insurance premium

The one-time charge for a title insurance policy, normally paid at closing. Unlike most insurance, it is not billed monthly or yearly.

Owner’s policy

A title insurance policy that protects the buyer’s ownership interest in the property, for the amount of the purchase price.

Lender’s policy

A title insurance policy that protects the mortgage lender’s lien, for the amount of the loan. Lenders usually require it.

Simultaneous issue

Issuing the owner’s and lender’s policies together on the same transaction. Many states set a lower premium for the lender’s policy when it is issued this way; the rate schedule defines how much.

Promulgated rate

A title insurance rate set by the state rather than by each company. Florida is a promulgated-rate state. In other states, rates may be filed by underwriters or set another way, so they differ by state and underwriter.

Endorsement

An addition to a title policy that changes or extends its coverage, usually for an additional charge.