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Texas title policy calculator
See what you'd likely pay in title insurance premiums on your next purchase — the Owner's Policy and the buyer's Loan Policy, based on Texas' state-set rates.
Estimated title insurance premiums
$1,868
Issued alongside the Owner's Policy under Texas' simultaneous-issuance rule (Rate Rule R-5), so it's $100 instead of the $1,472 it would cost purchased on its own.
This is an estimate based on the Texas Department of Insurance's published promulgated rates, not a quote. Your title company sets the final invoice, which may include endorsements, escrow or closing fees, and other charges the state doesn't regulate — ask them for an exact breakdown. Not tax or legal advice.
Title insurance questions
How much does title insurance cost in Texas?
Texas title insurance premiums are set by the state (promulgated) and are the same at every title company — they're based on your sales price for the Owner's Policy and your loan amount for the Loan Policy. Use the calculator above for your numbers.
Why is the buyer's loan policy so much cheaper than the owner's policy?
When a Loan Policy is issued at the same time as an Owner's Policy on the same property — true for almost every purchase — Texas' simultaneous-issuance rule (Rate Rule R-5) caps the Loan Policy premium at a flat $100, as long as the loan doesn't exceed the sales price. Priced on its own, that same coverage would cost far more.
Who pays for title insurance in Texas — the buyer or the seller?
Custom in Texas — including here in the RGV — has the seller paying for the buyer's Owner's Policy and the buyer paying for their lender's Loan Policy. But it's custom, not law: either can be negotiated in the contract.
What does it mean to "amend" a title policy for area and boundary shortages?
Every Texas title policy comes with a standard exception excluding coverage for shortages in area or boundary-line discrepancies a survey would reveal. Lenders almost always have this exception deleted from their Loan Policy for free (Rate Rule R-16). Adding that same protection to the buyer's Owner's Policy costs 5% of the Owner's Policy premium (minimum $20) for residential property, and requires a satisfactory survey.