How Much Does Title Insurance Cost?

Title insurance is a one-time premium paid at closing, and the cost is based mainly on the property's price and loan amount. It's usually a modest fraction of your total closing costs.

What Drives the Premium

The higher the purchase price and loan, the higher the premiums, since the policies cover those amounts. Rates are filed with the state.

Owner's and Lender's Policies

You may pay for an owner's policy, a lender's policy, or both. Bundling them with the same title company often reduces the combined cost.

Who Typically Pays

In San Diego, it's common for the seller to pay the owner's policy and the buyer the lender's, but this is negotiable in your contract.

A Small Price for Protection

Compared to the value it protects, title insurance is one of the most cost-effective safeguards in your entire purchase.

Want an Estimate?

Reach out and I'll help you get a title quote and factor it into a clear estimate of your closing costs.