Estimate your title insurance premiums for residential or commercial properties.
Owner's Policy Only
Lender's Policy Only
Simultaneous Issue (Both Owner's & Lender's)
Premium Breakdown
*This is an estimate based on standard rate tiers. Actual rates may vary by state and specific underwriting factors.
Understanding Investors Title Insurance Rates
For real estate investors, understanding the cost of title insurance is crucial for calculating the Net Operating Income (NOI) and closing costs of a deal. Title insurance protects the policyholder against financial loss from defects in title to real property and from the invalidity or unenforceability of mortgage liens.
How Rates are Calculated
Unlike other forms of insurance that have recurring monthly or annual premiums, title insurance is a one-time fee paid at closing. The rates are typically determined by the purchase price of the property (for an Owner's Policy) or the loan amount (for a Lender's Policy).
Investors Title and other major underwriters use a tiered "sliding scale" for premiums:
Up to $100,000: Base rate per thousand dollars of coverage.
$100,001 to $500,000: A slightly lower rate per thousand for this bracket.
$500,001 to $2,000,000: A further reduced rate for high-value properties.
Over $2,000,000: Minimum rates apply for large commercial or luxury residential assets.
Simultaneous Issue Savings
If you are purchasing a property with financing, most lenders will require a Lender's Policy. When you purchase both an Owner's Policy and a Lender's Policy at the same time, this is called a Simultaneous Issue. Underwriters like Investors Title usually offer a significant discount on the second policy, often charging just a small flat fee (e.g., $25 – $100) for the Lender's Policy if the Owner's Policy is purchased at full price.
Example Calculation
If an investor buys a property for 200,000 with a 160,000 loan:
The Owner's Policy is calculated on the full 200,000.
The Lender's Policy is calculated based on 160,000.
If issued simultaneously, the investor pays the higher of the two premiums plus a simultaneous issue fee, rather than the sum of both full premiums.
Why Investors Need Title Insurance
Professional investors often deal with distressed properties, foreclosures, or complex chains of title. Investors Title insurance protects against:
Unknown liens (mechanic's liens, tax liens).
Forgeries or fraud in previous deeds.
Undisclosed heirs claiming ownership.
Inaccurate legal descriptions.
function calculateInvestorsTitle() {
var propertyValue = parseFloat(document.getElementById('it-property-value').value);
var loanAmount = parseFloat(document.getElementById('it-loan-amount').value);
var policyType = document.getElementById('it-policy-type').value;
var resultBox = document.getElementById('it-result-box');
var breakdownDiv = document.getElementById('it-breakdown');
var totalDiv = document.getElementById('it-total-display');
if (isNaN(propertyValue) || propertyValue <= 0) {
alert("Please enter a valid property purchase price.");
return;
}
// Standardized Estimated Rate Tiers (Per $1,000)
// 0-100k: $4.50
// 100k-500k: $3.50
// 500k-2M: $2.50
// 2M+: $2.00
function getPremium(amount) {
var premium = 0;
if (amount <= 100000) {
premium = (amount / 1000) * 4.50;
} else if (amount <= 500000) {
premium = (100000 / 1000 * 4.50) + ((amount – 100000) / 1000 * 3.50);
} else if (amount <= 2000000) {
premium = (100000 / 1000 * 4.50) + (400000 / 1000 * 3.50) + ((amount – 500000) / 1000 * 2.50);
} else {
premium = (100000 / 1000 * 4.50) + (400000 / 1000 * 3.50) + (1500000 / 1000 * 2.50) + ((amount – 2000000) / 1000 * 2.00);
}
return Math.max(premium, 250); // Minimum premium of $250
}
var ownersPremium = getPremium(propertyValue);
var lendersPremium = isNaN(loanAmount) ? 0 : getPremium(loanAmount);
var simIssueFee = 100; // Average simultaneous issue fee
var total = 0;
var html = "";
if (policyType === "owners") {
total = ownersPremium;
html += '
';
} else if (policyType === "lenders") {
if (isNaN(loanAmount) || loanAmount <= 0) {
alert("Please enter a valid loan amount for a Lender's Policy.");
return;
}
total = lendersPremium;
html += '
';
} else {
if (isNaN(loanAmount) || loanAmount <= 0) {
alert("Please enter a loan amount to calculate Simultaneous Issue rates.");
return;
}
// In simultaneous issue, you pay the full premium for the higher coverage (usually owner's)
// plus the simultaneous fee for the other.
var basePolicy = Math.max(ownersPremium, lendersPremium);
total = basePolicy + simIssueFee;
html += '