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Title insurance rates are changing!

As of March 1st, our title insurance company released new premium rates to be charged by their agents. Gone are the days of calculating a lender’s premium by multiplying the loan amount by $2.50 per thousand, or completely guessing the cost of an owner’s premium. Instead all title agents are now expected to charge specific rates as set by their title insurer.

Our schedule for title insurance rates can be found below.

For some closing attorneys, adherence to the new rates will result in their charging more for title insurance. For others, the new rates will represent a drop in fees. Regardless, for third parties, it will be much easier to estimate title insurance costs simply because they will be standardized across agencies.

Additionally, not only are premiums being standardized, but so are simultaneous-issue discounts: when both owner’s and lender’s policies are being issued, the premium for the owner’s policy will be set by the rate schedule, but the cost of the lender’s policy, if for a policy amount less than the owner’s policy, will be $100.00.

 

Amount of Policy Lender's Premium Owner's Premium Amount of Policy Lender's Premium Owner's Premium Amount of Policy Lender's Premium Owner's Premium
$51,000.00 $127.50 $178.50 $101,000.00 $252.00 $353.00 $151,000.00 $352.00 $503.00
$52,000.00 $130.00 $182.00 $102,000.00 $254.00 $356.00 $152,000.00 $354.00 $506.00
$53,000.00 $132.50 $185.50 $103,000.00 $256.00 $359.00 $153,000.00 $356.00 $509.00
$54,000.00 $135.00 $189.00 $104,000.00 $258.00 $362.00 $154,000.00 $358.00 $512.00
$55,000.00 $137.50 $192.50 $105,000.00 $260.00 $365.00 $155,000.00 $360.00 $515.00
$56,000.00 $140.00 $196.00 $106,000.00 $262.00 $368.00 $156,000.00 $362.00 $518.00
$57,000.00 $142.50 $199.50 $107,000.00 $264.00 $371.00 $157,000.00 $364.00 $521.00
$58,000.00 $145.00 $203.00 $108,000.00 $266.00 $374.00 $158,000.00 $366.00 $524.00
$59,000.00 $147.50 $206.50 $109,000.00 $268.00 $377.00 $159,000.00 $368.00 $527.00
$60,000.00 $150.00 $210.00 $110,000.00 $270.00 $380.00 $160,000.00 $370.00 $530.00
$61,000.00 $152.50 $213.50 $111,000.00 $272.00 $383.00 $161,000.00 $372.00 $533.00
$62,000.00 $155.00 $217.00 $112,000.00 $274.00 $386.00 $162,000.00 $374.00 $536.00
$63,000.00 $157.50 $220.50 $113,000.00 $276.00 $389.00 $163,000.00 $376.00 $539.00
$64,000.00 $160.00 $224.00 $114,000.00 $278.00 $392.00 $164,000.00 $378.00 $542.00
$65,000.00 $162.50 $227.50 $115,000.00 $280.00 $395.00 $165,000.00 $380.00 $545.00
$66,000.00 $165.00 $231.00 $116,000.00 $282.00 $398.00 $166,000.00 $382.00 $548.00
$67,000.00 $167.50 $234.50 $117,000.00 $284.00 $401.00 $167,000.00 $384.00 $551.00
$68,000.00 $170.00 $238.00 $118,000.00 $286.00 $404.00 $168,000.00 $386.00 $554.00
$69,000.00 $172.50 $241.50 $119,000.00 $288.00 $407.00 $169,000.00 $388.00 $557.00
$70,000.00 $175.00 $245.00 $120,000.00 $290.00 $410.00 $170,000.00 $390.00 $560.00
$71,000.00 $177.50 $248.50 $121,000.00 $292.00 $413.00 $171,000.00 $392.00 $563.00
$72,000.00 $180.00 $252.00 $122,000.00 $294.00 $416.00 $172,000.00 $394.00 $566.00
$73,000.00 $182.50 $255.50 $123,000.00 $296.00 $419.00 $173,000.00 $396.00 $569.00
$74,000.00 $185.00 $259.00 $124,000.00 $298.00 $422.00 $174,000.00 $398.00 $572.00
$75,000.00 $187.50 $262.50 $125,000.00 $300.00 $425.00 $175,000.00 $400.00 $575.00
$76,000.00 $190.00 $266.00 $126,000.00 $302.00 $428.00 $176,000.00 $402.00 $578.00
$77,000.00 $192.50 $269.50 $127,000.00 $304.00 $431.00 $177,000.00 $404.00 $581.00
$78,000.00 $195.00 $273.00 $128,000.00 $306.00 $434.00 $178,000.00 $406.00 $584.00
$79,000.00 $197.50 $276.50 $129,000.00 $308.00 $437.00 $179,000.00 $408.00 $587.00
$80,000.00 $200.00 $280.00 $130,000.00 $310.00 $440.00 $180,000.00 $410.00 $590.00
$81,000.00 $202.50 $283.50 $131,000.00 $312.00 $443.00 $181,000.00 $412.00 $593.00
$82,000.00 $205.00 $287.00 $132,000.00 $314.00 $446.00 $182,000.00 $414.00 $596.00
$83,000.00 $207.50 $290.50 $133,000.00 $316.00 $449.00 $183,000.00 $416.00 $599.00
$84,000.00 $210.00 $294.00 $134,000.00 $318.00 $452.00 $184,000.00 $418.00 $602.00
$85,000.00 $212.50 $297.50 $135,000.00 $320.00 $455.00 $185,000.00 $420.00 $605.00
$86,000.00 $215.00 $301.00 $136,000.00 $322.00 $458.00 $186,000.00 $422.00 $608.00
$87,000.00 $217.50 $304.50 $137,000.00 $324.00 $461.00 $187,000.00 $424.00 $611.00
$88,000.00 $220.00 $308.00 $138,000.00 $326.00 $464.00 $188,000.00 $426.00 $614.00
$89,000.00 $222.50 $311.50 $139,000.00 $328.00 $467.00 $189,000.00 $428.00 $617.00
$90,000.00 $225.00 $315.00 $140,000.00 $330.00 $470.00 $190,000.00 $430.00 $620.00
$91,000.00 $227.50 $318.50 $141,000.00 $332.00 $473.00 $191,000.00 $432.00 $623.00
$92,000.00 $230.00 $322.00 $142,000.00 $334.00 $476.00 $192,000.00 $434.00 $626.00
$93,000.00 $232.50 $325.50 $143,000.00 $336.00 $479.00 $193,000.00 $436.00 $629.00
$94,000.00 $235.00 $329.00 $144,000.00 $338.00 $482.00 $194,000.00 $438.00 $632.00
$95,000.00 $237.50 $332.50 $145,000.00 $340.00 $485.00 $195,000.00 $440.00 $635.00
$96,000.00 $240.00 $336.00 $146,000.00 $342.00 $488.00 $196,000.00 $442.00 $638.00
$97,000.00 $242.50 $339.50 $147,000.00 $344.00 $491.00 $197,000.00 $444.00 $641.00
$98,000.00 $245.00 $343.00 $148,000.00 $346.00 $494.00 $198,000.00 $446.00 $644.00
$99,000.00 $247.50 $346.50 $149,000.00 $348.00 $497.00 $199,000.00 $448.00 $647.00
$100,000.00 $250.00 $350.00 $150,000.00 $350.00 $500.00 $200,000.00 $450.00 $650.00
$201,000.00 $452.00 $653.00 $251,000.00 $552.00 $803.00 $305,000.00 $660.00 $965.00
$202,000.00 $454.00 $656.00 $252,000.00 $554.00 $806.00 $310,000.00 $670.00 $980.00
$203,000.00 $456.00 $659.00 $253,000.00 $556.00 $809.00 $315,000.00 $680.00 $995.00
$204,000.00 $458.00 $662.00 $254,000.00 $558.00 $812.00 $320,000.00 $690.00 $1,010.00
$205,000.00 $460.00 $665.00 $255,000.00 $560.00 $815.00 $325,000.00 $700.00 $1,025.00
$206,000.00 $462.00 $668.00 $256,000.00 $562.00 $818.00 $330,000.00 $710.00 $1,040.00
$207,000.00 $464.00 $671.00 $257,000.00 $564.00 $821.00 $335,000.00 $720.00 $1,055.00
$208,000.00 $466.00 $674.00 $258,000.00 $566.00 $824.00 $340,000.00 $730.00 $1,070.00
$209,000.00 $468.00 $677.00 $259,000.00 $568.00 $827.00 $345,000.00 $740.00 $1,085.00
$210,000.00 $470.00 $680.00 $260,000.00 $570.00 $830.00 $350,000.00 $750.00 $1,100.00
$211,000.00 $472.00 $683.00 $261,000.00 $572.00 $833.00 $355,000.00 $760.00 $1,115.00
$212,000.00 $474.00 $686.00 $262,000.00 $574.00 $836.00 $360,000.00 $770.00 $1,130.00
$213,000.00 $476.00 $689.00 $263,000.00 $576.00 $839.00 $365,000.00 $780.00 $1,145.00
$214,000.00 $478.00 $692.00 $264,000.00 $578.00 $842.00 $370,000.00 $790.00 $1,160.00
$215,000.00 $480.00 $695.00 $265,000.00 $580.00 $845.00 $375,000.00 $800.00 $1,175.00
$216,000.00 $482.00 $698.00 $266,000.00 $582.00 $848.00 $380,000.00 $810.00 $1,190.00
$217,000.00 $484.00 $701.00 $267,000.00 $584.00 $851.00 $385,000.00 $820.00 $1,205.00
$218,000.00 $486.00 $704.00 $268,000.00 $586.00 $854.00 $390,000.00 $830.00 $1,220.00
$219,000.00 $488.00 $707.00 $269,000.00 $588.00 $857.00 $395,000.00 $840.00 $1,235.00
$220,000.00 $490.00 $710.00 $270,000.00 $590.00 $860.00 $400,000.00 $850.00 $1,250.00
$221,000.00 $492.00 $713.00 $271,000.00 $592.00 $863.00 $405,000.00 $860.00 $1,265.00
$222,000.00 $494.00 $716.00 $272,000.00 $594.00 $866.00 $410,000.00 $870.00 $1,280.00
$223,000.00 $496.00 $719.00 $273,000.00 $596.00 $869.00 $415,000.00 $880.00 $1,295.00
$224,000.00 $498.00 $722.00 $274,000.00 $598.00 $872.00 $420,000.00 $890.00 $1,310.00
$225,000.00 $500.00 $725.00 $275,000.00 $600.00 $875.00 $425,000.00 $900.00 $1,325.00
$226,000.00 $502.00 $728.00 $276,000.00 $602.00 $878.00 $430,000.00 $910.00 $1,340.00
$227,000.00 $504.00 $731.00 $277,000.00 $604.00 $881.00 $435,000.00 $920.00 $1,355.00
$228,000.00 $506.00 $734.00 $278,000.00 $606.00 $884.00 $440,000.00 $930.00 $1,370.00
$229,000.00 $508.00 $737.00 $279,000.00 $608.00 $887.00 $445,000.00 $940.00 $1,385.00
$230,000.00 $510.00 $740.00 $280,000.00 $610.00 $890.00 $450,000.00 $950.00 $1,400.00
$231,000.00 $512.00 $743.00 $281,000.00 $612.00 $893.00 $455,000.00 $960.00 $1,415.00
$232,000.00 $514.00 $746.00 $282,000.00 $614.00 $896.00 $460,000.00 $970.00 $1,430.00
$233,000.00 $516.00 $749.00 $283,000.00 $616.00 $899.00 $465,000.00 $980.00 $1,445.00
$234,000.00 $518.00 $752.00 $284,000.00 $618.00 $902.00 $470,000.00 $990.00 $1,460.00
$235,000.00 $520.00 $755.00 $285,000.00 $620.00 $905.00 $475,000.00 $1,000.00 $1,475.00
$236,000.00 $522.00 $758.00 $286,000.00 $622.00 $908.00 $480,000.00 $1,010.00 $1,490.00
$237,000.00 $524.00 $761.00 $287,000.00 $624.00 $911.00 $485,000.00 $1,020.00 $1,505.00
$238,000.00 $526.00 $764.00 $288,000.00 $626.00 $914.00 $490,000.00 $1,030.00 $1,520.00
$239,000.00 $528.00 $767.00 $289,000.00 $628.00 $917.00 $495,000.00 $1,040.00 $1,535.00
$240,000.00 $530.00 $770.00 $290,000.00 $630.00 $920.00 $500,000.00 $1,050.00 $1,550.00
$241,000.00 $532.00 $773.00 $291,000.00 $632.00 $923.00 $505,000.00 $1,058.75 $1,562.50
$242,000.00 $534.00 $776.00 $292,000.00 $634.00 $926.00 $510,000.00 $1,067.50 $1,575.00
$243,000.00 $536.00 $779.00 $293,000.00 $636.00 $929.00 $515,000.00 $1,076.25 $1,587.50
$244,000.00 $538.00 $782.00 $294,000.00 $638.00 $932.00 $520,000.00 $1,085.00 $1,600.00
$245,000.00 $540.00 $785.00 $295,000.00 $640.00 $935.00 $525,000.00 $1,093.75 $1,612.50
$246,000.00 $542.00 $788.00 $296,000.00 $642.00 $938.00 $530,000.00 $1,102.50 $1,625.00
$247,000.00 $544.00 $791.00 $297,000.00 $644.00 $941.00 $535,000.00 $1,111.25 $1,637.50
$248,000.00 $546.00 $794.00 $298,000.00 $646.00 $944.00 $540,000.00 $1,120.00 $1,650.00
$249,000.00 $548.00 $797.00 $299,000.00 $648.00 $947.00 $545,000.00 $1,128.75 $1,662.50
$250,000.00 $550.00 $800.00 $300,000.00 $650.00 $950.00 $550,000.00 $1,137.50 $1,675.00

Please contact us for title insurance premiums for loans and purchase prices above $550,000. Additionally the rates listed above are for standard policies; for enhanced coverage, just request a quote.

 

Harlan and Associates provides real estate closing and settlement services for home buyers, sellers, investors, and lenders. The firm, founded in 2005, concentrates its practice in real estate matters and has represented clients throughout Atlanta and the State of Georgia. We'd love to be your closing attorneys. Want to know more? Contact us and we'll be happy to discuss how Harlan and Associates can be of service to you!