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Owner's Title Policy Calculator
Owner's title insurance is a one-time premium (typically $500-$3,500 for residential) protecting the buyer against title defects discovered after close. Lender requires lender's policy; owner's is optional but recommended.
Total owner's policy cost
$1,584
Base premium (before discount)
$1,913
Simultaneous issue discount
$478
Net premium
$1,434
How the math works
$425K × $4.50/$1K = $1,912.50 base. 25% simultaneous discount = $1,434. Plus $150 endorsements = $1,584 total.
Shop title insurance — many states allow title insurer selection by buyer. 10-20% savings available by shopping 3 providers in states that allow competition (TX, FL don't; MD, PA, VA, NY do).
How to Use
- Enter purchase price and state rate per $1,000 of coverage.
- See total owner's policy premium.
Frequently Asked Questions
Is owner's policy worth it?
Yes for most buyers. Title defects (old liens, fraud, missed heirs) can cost $50K-$200K+ to resolve. Premium is one-time and lasts as long as you own. Insurance at 0.3-0.7% of price for lifetime coverage is cheap.
What does it cover?
Forged deeds, undisclosed heirs, missed liens, boundary disputes, clerical errors in recording, fraud in chain of title. Exclusions: known defects (disclosed), zoning, eminent domain, anything the buyer should have known.
Simultaneous issue discount?
When issued with lender's policy, owner's is heavily discounted (often 10-40% off). Ask for the 'simultaneous issue rate.' Don't pay full separate pricing.
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