Pennsylvania Title Insurance Calculator
Estimate owner's and lender's title insurance premiums for PA real estate transactions
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Calculate Title Insurance
Enter the transaction details below. Rates follow Pennsylvania filed schedules, actual premium may vary by title insurer.
Premium Estimate
What is Title Insurance?
Title insurance protects against financial loss from defects in a property's title, things like unknown liens, forged documents, errors in public records, undisclosed heirs, or boundary disputes. Unlike other insurance that protects against future events, title insurance protects against past problems that weren't discovered during the title search.
Owner's vs. Lender's Policy
Owner's policy protects you (the buyer) for as long as you own the property. It's a one-time premium paid at closing.
Lender's policy is required by your mortgage lender and protects only the lender's interest. It does not protect you.
When both are purchased at the same time (simultaneous issue), you receive a significant discount on the lender's policy, often 50–70% off.
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Rate Schedule (PA Filed Rates)
Owner's policy premium per $1,000 of coverage:
| Coverage Amount | Rate |
|---|---|
| First $25,000 | $3.50 / $1,000 |
| $25,001 – $100,000 | $3.00 / $1,000 |
| $100,001 – $500,000 | $2.50 / $1,000 |
| Over $500,000 | $2.00 / $1,000 |
Minimum premium $175. Simultaneous lender's policy: 30% of owner's premium (minimum $100).