{"id":7776,"date":"2026-05-19T09:36:42","date_gmt":"2026-05-19T13:36:42","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=7776"},"modified":"2026-05-25T03:28:45","modified_gmt":"2026-05-25T07:28:45","slug":"how-much-is-title-insurance-in-texas","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/","title":{"rendered":"How Much Is Title Insurance in Texas? 2026 Rates and Costs"},"content":{"rendered":"\n<p>In Texas, title insurance costs $780 for a $100,000 home. For a $1 million home, it costs $5,226. The state sets these prices. That means every title company in Texas charges the same basic price.<\/p>\n\n\n\n<p>If you\u2019re getting a <a href=\"https:\/\/ibuyer.com\/blog\/what-happens-when-you-sell-a-house-with-a-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage<\/a>, you\u2019ll also pay $100 for a lender\u2019s policy at closing. Total title-related closing costs usually run $2,000 to $6,000. That includes fees for things like escrow, recording, and the survey.<\/p>\n\n\n\n<p>This guide explains how Texas sets title insurance prices, what each policy covers, who pays for what, and how to save money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00a0Texas title insurance rates are set by the state. Every <a href=\"https:\/\/www.doorloop.com\/definitions\/title-company\" target=\"_blank\" rel=\"noreferrer noopener\">title company<\/a> charges the same basic premium.\u00a0<\/li>\n\n\n\n<li>\u00a0An owner\u2019s policy costs $780 on a $100,000 home. On a $1 million home, it costs $5,226.<\/li>\n\n\n\n<li>The lender\u2019s policy is only $100 when you buy it at the same time as the owner\u2019s policy.<\/li>\n\n\n\n<li>The seller usually pays for the owner\u2019s policy. The buyer usually pays for the lender\u2019s policy.\u00a0<\/li>\n\n\n\n<li>Both are negotiable.If you\u2019re refinancing within 4 years of your old policy, you can save up to 50% on the new lender\u2019s policy.<\/li>\n\n\n\n<li>You pay for title insurance once at closing. The coverage lasts as long as you own the home.<\/li>\n<\/ul>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Title Insurance in Texas<\/h2><ul><li><a href=\"#h-key-takeaways\" data-level=\"2\">Key Takeaways<\/a><\/li><li><a href=\"#h-how-much-does-title-insurance-cost-in-texas\" data-level=\"2\">How Much Does Title Insurance Cost in Texas?<\/a><\/li><li><a href=\"#h-what-is-title-insurance-in-texas\" data-level=\"2\">What Is Title Insurance in Texas?<\/a><\/li><li><a href=\"#h-what-does-title-insurance-cover-in-texas\" data-level=\"2\">What Does Title Insurance Cover in Texas?<\/a><\/li><li><a href=\"#h-who-pays-for-title-insurance-in-texas\" data-level=\"2\">Who Pays for Title Insurance in Texas?<\/a><\/li><li><a href=\"#h-other-texas-title-insurance-costs-and-endorsements\" data-level=\"2\">Other Texas Title Insurance Costs and Endorsements<\/a><\/li><li><a href=\"#h-texas-title-insurance-vs-other-states\" data-level=\"2\">Texas Title Insurance vs. Other States<\/a><\/li><li><a href=\"#h-how-to-read-a-texas-title-commitment\" data-level=\"2\">How to Read a Texas Title Commitment<\/a><\/li><li><a href=\"#h-can-you-shop-for-title-insurance-in-texas\" data-level=\"2\">Can You Shop for Title Insurance in Texas?<\/a><\/li><li><a href=\"#h-is-owner-s-title-insurance-worth-it-in-texas\" data-level=\"2\">Is Owner\u2019s Title Insurance Worth It in Texas?<\/a><\/li><li><a href=\"#h-bottom-line\" data-level=\"2\">Bottom Line<\/a><\/li><li><a href=\"#h-frequently-asked-questions\" data-level=\"2\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-title-insurance-cost-in-texas\">How Much Does Title Insurance Cost in Texas?<\/h2>\n\n\n\n<p>Texas title insurance prices depend on three things: the home\u2019s price, the loan amount, and the state\u2019s rate rules. The Texas Department of Insurance (TDI) sets the rules. They publish them in the Basic Manual of Title Insurance.<\/p>\n\n\n\n<p>Because TDI sets the prices, every title company charges the same basic premium. Other fees, like escrow and document prep, do change from company to company.<\/p>\n\n\n\n<p>The current rates took effect on March 1, 2026. They are 6.2% lower than the old rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-texas-title-insurance-rate-chart-effective-march-1-2026\">Texas Title Insurance Rate Chart (Effective March 1, 2026)<\/h3>\n\n\n\n<p>Here\u2019s what an owner\u2019s policy costs at common home prices. The lender\u2019s policy column shows the price when you buy it at the same time as the owner\u2019s policy.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Home Purchase Price<\/strong><\/td><td><strong>Estimated Owner\u2019s Policy<\/strong><\/td><td><strong>Estimated Lender\u2019s Policy (Same Closing)<\/strong><\/td><td><strong>Estimated Total Title Premium<\/strong><\/td><\/tr><tr><td>$100,000<\/td><td>$780<\/td><td>$125<\/td><td>$905<\/td><\/tr><tr><td>$200,000<\/td><td>$1,274<\/td><td>$150<\/td><td>$1,424<\/td><\/tr><tr><td>$300,000<\/td><td>$1,768<\/td><td>$175<\/td><td>$1,943<\/td><\/tr><tr><td>$400,000<\/td><td>$2,262<\/td><td>$200<\/td><td>$2,462<\/td><\/tr><tr><td>$500,000<\/td><td>$2,756<\/td><td>$225<\/td><td>$2,981<\/td><\/tr><tr><td>$750,000<\/td><td>$3,991<\/td><td>$300<\/td><td>$4,291<\/td><\/tr><tr><td>$1,000,000<\/td><td>$5,226<\/td><td>$375<\/td><td>$5,601<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Data methodology:<\/em><\/strong><em> These estimates are derived from the official 2026 Texas Department of Insurance (TDI) promulgated title insurance premium schedule effective March 1, 2026, together with publicly available premium calculators and rate manuals published by Texas title companies and underwriters including Stewart Title, Independence Title, Heritage Title, Benchmark Title, and Texas Lone Star Title.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-texas-figures-out-title-insurance-prices\">How Texas Figures Out Title Insurance Prices<\/h3>\n\n\n\n<p>For homes priced between $100,000 and $1 million, here\u2019s the formula:<\/p>\n\n\n\n<p>1.\u00a0 \u00a0 Start with the home price.<br>2.\u00a0 \u00a0 Subtract $100,000.<br>3.\u00a0 \u00a0 Multiply what\u2019s left by 0.00494.<br>4.\u00a0 \u00a0 Add $780.<\/p>\n\n\n\n<p><strong>Example: A $450,000 home<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start with $450,000<\/li>\n\n\n\n<li>Subtract $100,000 \u2192 $350,000<\/li>\n\n\n\n<li>Multiply by 0.00494 \u2192 $1,729<\/li>\n\n\n\n<li>Add $780 \u2192 <strong>$2,509<\/strong><\/li>\n<\/ul>\n\n\n\n<p>So <a href=\"https:\/\/www.oldrepublictitle.com\/blog\/understanding-your-owner-s-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">the owner\u2019s policy<\/a> on a $450,000 home costs $2,509.<\/p>\n\n\n\n<p>Homes priced above $1 million use lower multipliers at higher tiers. You can see the full formula in Section III of the Basic Manual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-100-lender-s-policy-rate-rule-r-5\">The $100 Lender\u2019s Policy (Rate Rule R-5)<\/h3>\n\n\n\n<p>When a title company issues both the owner\u2019s policy and the lender\u2019s policy at the same closing, the lender\u2019s policy costs just $100. This is called Rate Rule R-5.<\/p>\n\n\n\n<p>This saves buyers a lot of money. On a $400,000 home, the buyer pays $100 for the lender\u2019s policy instead of $2,262. That\u2019s a $2,162 savings.<\/p>\n\n\n\n<p>To qualify for R-5, the loan amount can\u2019t be bigger than the home\u2019s purchase price. The loan and the owner\u2019s policy must cover the same property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-refinance-savings-rate-rule-r-8\">Refinance Savings (Rate Rule R-8)<\/h3>\n\n\n\n<p>If you\u2019re refinancing a Texas home, you may save on the new lender\u2019s policy. This savings rule is called R-8.<\/p>\n\n\n\n<p>Here\u2019s how the discount works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% off<\/strong> if your current loan policy is 4 years old or less<\/li>\n\n\n\n<li><strong>25% off<\/strong> if it\u2019s between 4 and 8 years old<\/li>\n\n\n\n<li><strong>No discount<\/strong> if it\u2019s 8 years or older<\/li>\n<\/ul>\n\n\n\n<p>To get the discount, give your prior loan policy to the new title company before <a href=\"https:\/\/ibuyer.com\/blog\/closing-costs-in-texas\/\" target=\"_blank\" rel=\"noreferrer noopener\">closing<\/a>. The discount is based on the basic premium for either the new loan amount or the original loan amount, whichever is smaller.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-title-insurance-in-texas\">What Is Title Insurance in Texas?<\/h2>\n\n\n\n<p>Title insurance protects you from problems with the home\u2019s ownership history. It pays for legal defense and covered losses if someone challenges your right to the property after you buy it.<\/p>\n\n\n\n<p>In Texas, every title policy uses a form set by TDI. Every premium is set by the Basic Manual. You\u2019ll see two main policies during a typical home purchase:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00a0<strong>T-1, Owner\u2019s Policy.<\/strong> Protects you, the buyer. Covers your ownership for as long as you (or your heirs) own the home.\u00a0<\/li>\n\n\n\n<li><strong>T-2, Loan Policy.<\/strong> Protects the lender. Covers the <a href=\"https:\/\/www.nar.realtor\/residential-real-estate\/lien-on-property\" target=\"_blank\" rel=\"noreferrer noopener\">lender\u2019s lien<\/a> until you pay off or refinance the loan.<\/li>\n<\/ul>\n\n\n\n<p>Three groups run the Texas title insurance system:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Texas Department of Insurance (TDI)<\/strong>, the state agency that sets the prices and the policy forms.<\/li>\n\n\n\n<li><strong>Basic Manual of Title Insurance<\/strong>, the rulebook adopted under Texas law (28 Tex. Admin. Code \u00a79.1).<\/li>\n\n\n\n<li><strong>Texas Land Title Association (TLTA)<\/strong>, the trade group that helps shape rate decisions and publishes industry guidance.<\/li>\n<\/ul>\n\n\n\n<p>You pay for title insurance once, at closing. The coverage continues for as long as the policy is in effect.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-title-insurance-cover-in-texas\">What Does Title Insurance Cover in Texas?<\/h2>\n\n\n\n<p>Texas title insurance covers problems with the property\u2019s ownership history that existed before you bought the home but weren\u2019t found during the title search. If a covered problem comes up later, the policy can pay for your legal defense and any covered losses up to the policy amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-owner-s-policy-t-1-what-it-covers-for-you\">Owner\u2019s Policy (T-1), What It Covers for You<\/h3>\n\n\n\n<p>The owner\u2019s policy protects your stake in the home. Common covered problems include:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Covered Problem<\/strong><\/td><td><strong>Example<\/strong><\/td><\/tr><tr><td>Ownership disputes<\/td><td>A long-lost heir claims the prior owner had no right to sell<\/td><\/tr><tr><td>Errors in public records<\/td><td>The county filed the wrong legal description<\/td><\/tr><tr><td>Fraud or forgery<\/td><td>Someone forged a deed in the chain of ownership<\/td><\/tr><tr><td>Unpaid liens<\/td><td>A contractor or tax agency has a claim that predates your purchase<\/td><\/tr><tr><td>Boundary disputes<\/td><td>A neighbor\u2019s fence sits across the recorded property line<\/td><\/tr><tr><td><a href=\"https:\/\/www.linkedin.com\/pulse\/unrecorded-easements-hidden-title-defect-lurking-off-aponte-parsi-45hle\" target=\"_blank\" rel=\"noreferrer noopener\">Hidden easements<\/a><\/td><td>A utility company has a recorded right to access the land<\/td><\/tr><tr><td>Identity fraud on title<\/td><td>Someone used a prior owner\u2019s identity to transfer the home<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The T-1 policy stays in place as long as you (or your heirs) own the home. You don\u2019t renew it. You don\u2019t pay anything else.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lender-s-policy-t-2-what-it-covers-for-the-lender\">Lender\u2019s Policy (T-2), What It Covers for the Lender<\/h3>\n\n\n\n<p>The lender\u2019s policy protects the lender, not you. Almost every Texas lender requires this policy before funding a mortgage. The coverage ends when you pay off or refinance the loan.<\/p>\n\n\n\n<p>This is important: even though the buyer often pays for the T-2, the buyer is not the insured party. That\u2019s why most real estate pros tell buyers to also get the owner\u2019s policy. The lender\u2019s policy won\u2019t help you if there\u2019s a title problem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-schedule-b-what-s-not-covered\">Schedule B, What\u2019s NOT Covered<\/h3>\n\n\n\n<p>Every Texas title commitment lists <strong>Schedule B exceptions<\/strong>. These are things the title insurance doesn\u2019t cover. Common ones include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taxes for the current year<\/li>\n\n\n\n<li>Restrictive covenants (rules in your HOA or subdivision documents)<\/li>\n\n\n\n<li>Survey issues (like fence lines or encroachments)<\/li>\n\n\n\n<li>Mineral rights<\/li>\n\n\n\n<li>Rights of people already living on the property<\/li>\n<\/ul>\n\n\n\n<p>Review the title commitment carefully before closing because the title examination may reveal liens, easements, <a href=\"https:\/\/ibuyer.com\/blog\/can-you-sell-a-property-with-a-lis-pendens\/\" target=\"_blank\" rel=\"noreferrer noopener\">lis pendens<\/a>, and other matters that are generally excluded from future claims under a Texas title insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-things-title-insurance-doesn-t-cover\">Other Things Title Insurance Doesn\u2019t Cover<\/h3>\n\n\n\n<p>Title insurance also won\u2019t pay for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Problems you already knew about and didn\u2019t disclose<\/li>\n\n\n\n<li>Title issues that come up after the policy date <a href=\"https:\/\/www.investopedia.com\/terms\/z\/zoning.asp\" target=\"_blank\" rel=\"noreferrer noopener\">Zoning<\/a>  or building code problems<\/li>\n\n\n\n<li>Environmental hazardsGovernment takings (eminent domain) not on record at the policy date<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-for-title-insurance-in-texas\">Who Pays for Title Insurance in Texas?<\/h2>\n\n\n\n<p>In Texas, who pays for title insurance is negotiable. The purchase contract spells it out. Most home sales use the TREC One to Four Family Residential Contract (Resale). Paragraph 6 of that contract covers title insurance. Local custom usually decides how those blanks get filled in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-typical-cost-split-in-texas\">Typical Cost Split in Texas<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Closing Cost<\/strong><\/td><td><strong>Who Usually Pays<\/strong><\/td><\/tr><tr><td>Owner\u2019s title insurance (T-1)<\/td><td>Seller<\/td><\/tr><tr><td>Lender\u2019s title insurance (T-2)<\/td><td>Buyer<\/td><\/tr><tr><td>Escrow \/ settlement fee<\/td><td>Split or negotiable<\/td><\/tr><tr><td>Recording fees<\/td><td>Buyer<\/td><\/tr><tr><td>Survey<\/td><td>Negotiable (often seller in resales, buyer in new builds)<\/td><\/tr><tr><td>Title endorsements<\/td><td>Negotiable<\/td><\/tr><tr><td><a href=\"https:\/\/www.fsresidential.com\/corporate\/news-and-articles\/articles\/what-is-an-hoa\/\" target=\"_blank\" rel=\"noreferrer noopener\">HOA<\/a> transfer fees<\/td><td>Seller<\/td><\/tr><tr><td>Loan-related title fees<\/td><td>Buyer<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>These customs change by region, builder, and market conditions. None of them are required by law.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-sellers-usually-pay-for-the-owner-s-policy\">Why Sellers Usually Pay for the Owner\u2019s Policy<\/h3>\n\n\n\n<p>In Texas, the seller has to deliver clean ownership to the buyer. The owner\u2019s policy backs up that promise. If a title problem from the seller\u2019s time as owner shows up later, the buyer\u2019s policy handles it. The seller doesn\u2019t get chased personally.<\/p>\n\n\n\n<p>This custom is baked into the TREC contract. The default checkbox in Paragraph 6 says the seller pays. But either party can agree to pay it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-buyers-pay-loan-related-title-costs\">Why Buyers Pay Loan-Related Title Costs<\/h3>\n\n\n\n<p>The lender\u2019s policy and most loan-related title work exist because the buyer is borrowing money. Lenders require the T-2 policy to protect their loan. The borrower pays for it.<\/p>\n\n\n\n<p>These charges show up on the buyer\u2019s Closing Disclosure. You\u2019ll see them under Section B (services the borrower didn\u2019t shop for) or Section C (services the borrower could shop for).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-title-insurance-costs-are-negotiable\">Title Insurance Costs Are Negotiable<\/h3>\n\n\n\n<p>The premium is fixed by TDI. But who pays for it is not. Common arrangements include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00a0A buyer in a hot market offering to pay the owner\u2019s policy to make a stronger offer<\/li>\n\n\n\n<li>A seller in a slow market offering to cover buyer-side endorsements or fees<\/li>\n\n\n\n<li>A builder paying for the owner\u2019s policy on a new home as a sales incentive<\/li>\n\n\n\n<li>A relocation company shifting costs based on company policy<\/li>\n<\/ul>\n\n\n\n<p>These deals are written into the contract before closing. They aren\u2019t negotiated at the closing table.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-texas-title-insurance-costs-and-endorsements\">Other Texas Title Insurance Costs and Endorsements<\/h2>\n\n\n\n<p>The basic premium is just one line on the Closing Disclosure. Most Texas closings also include endorsements and other fees. Endorsements are extra coverages that change the policy. They\u2019re named by TDI form numbers, those are the codes you\u2019ll see on the title commitment and closing statement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-texas-title-endorsements\">Common Texas Title Endorsements<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T-19, Restrictions, Encroachments, Minerals (Loan Policy, residential):<\/strong> 5% of the basic loan policy premium. Minimum $50.<\/li>\n\n\n\n<li><strong>T-19.1, Restrictions, Encroachments, Minerals (Owner Policy, residential):<\/strong> 10% of the basic owner\u2019s premium. Minimum $50. Or 5% when paired with the R-16 area-and-boundary amendment.<\/li>\n\n\n\n<li><strong>T-17, Planned Unit Development Endorsement:<\/strong> $25.<\/li>\n\n\n\n<li><strong>T-30, Tax Deletion Endorsement:<\/strong> Varies. Removes the standard tax exception when certain conditions are met.<\/li>\n\n\n\n<li><strong>T-33 \/ T-33.1, Restrictions and matters affecting title:<\/strong> Premium depends on the form.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-title-related-closing-costs\">Other Title-Related Closing Costs<\/h3>\n\n\n\n<p>Buyers and sellers may also see these fees:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Escrow \/ settlement fee: $350\u2013$800<\/li>\n\n\n\n<li>Recording fees: $50\u2013$200 (depends on the county and number of documents)<\/li>\n\n\n\n<li>Tax certificate fee: $25\u2013$60<\/li>\n\n\n\n<li><a href=\"https:\/\/ibuyer.com\/blog\/what-is-property-title-search\/\" target=\"_blank\" rel=\"noreferrer noopener\">Title search<\/a> and exam fee (when charged separately)<\/li>\n\n\n\n<li>New survey: $400\u2013$700.\u00a0<\/li>\n\n\n\n<li>Survey review: $75\u2013$200<\/li>\n\n\n\n<li><a href=\"https:\/\/tipalti.com\/blog\/wire-transfer-fees\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wire transfer fee<\/a>: $20\u2013$50 per wire<\/li>\n\n\n\n<li>HOA transfer or resale certificate fees (usually paid by the seller)<\/li>\n<\/ul>\n\n\n\n<p>For a $450,000 financed purchase in a typical Texas market, total title-related charges usually run <strong>$3,000\u2013$4,000 across both sides of the deal<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-texas-title-insurance-vs-other-states\">Texas Title Insurance vs. Other States<\/h2>\n\n\n\n<p>Texas is one of a small group of states where the insurance commissioner sets title insurance prices. Most states let title companies file their own rates with the regulator instead.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>How Rates Are Set<\/strong><\/td><td><strong>Owner\u2019s Policy on $400K Home (Approx.)<\/strong><\/td><td><strong>Who Usually Pays Owner\u2019s Policy<\/strong><\/td><\/tr><tr><td>Texas<\/td><td>State sets rates (TDI)<\/td><td>$2,262<\/td><td>Seller<\/td><\/tr><tr><td>Florida<\/td><td>State sets rates<\/td><td>$2,075<\/td><td>Negotiable; seller in most counties, buyer in Miami-Dade and Broward<\/td><\/tr><tr><td>New York<\/td><td>State sets rates<\/td><td>$2,500+<\/td><td>Buyer<\/td><\/tr><tr><td>California<\/td><td>Companies set their own rates<\/td><td>$1,200\u2013$2,500 (varies by carrier)<\/td><td>Buyer in Southern CA \/ Seller in Northern CA<\/td><\/tr><tr><td>Iowa<\/td><td>State-run title guaranty (no private title insurance)<\/td><td>Lower, varies<\/td><td>Buyer<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Approximate figures for comparison. Check each state\u2019s regulator for current rates.<\/em><\/p>\n\n\n\n<p>What this means for Texas buyers: shopping different title companies won\u2019t change the basic premium. But it can change escrow, settlement, and service fees by hundreds of dollars.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-read-a-texas-title-commitment\">How to Read a Texas Title Commitment<\/h2>\n\n\n\n<p>Before closing, the title company sends you a <a href=\"https:\/\/www.firstam.com\/home-buying-guide\/understanding-your-title-commitment\/\" target=\"_blank\" rel=\"noreferrer noopener\">title commitment<\/a>. This is the document promising to issue the policy at closing, as long as certain conditions are met. Every Texas title commitment has four sections, called schedules:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Schedule A, The basics.<\/strong> Names of the buyer and seller, the policy amount, the property\u2019s legal description, and the date of the commitment.<\/li>\n\n\n\n<li><strong>Schedule B, Exceptions.<\/strong> Things the policy will <em>not<\/em> cover (taxes, HOA rules, recorded easements, survey issues, mineral rights, and more). This is the most important section to read closely.<\/li>\n\n\n\n<li><strong>Schedule C, Items to fix before closing.<\/strong> Things the seller must clear up to deliver clean title. Examples: paying off old liens, recording releases, clearing judgments, getting missing signatures.<\/li>\n\n\n\n<li><strong>Schedule D, Who gets paid.<\/strong> Lists the title insurance company, the title agent, and how the premium is split between them. Texas law requires this disclosure.<\/li>\n<\/ul>\n\n\n\n<p>Want to remove a Schedule B exception? Ask your title company before closing. Many removals require an extra endorsement. The most common request is to remove the survey\/area and boundary exception using the R-16 amendment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-shop-for-title-insurance-in-texas\">Can You Shop for Title Insurance in Texas?<\/h2>\n\n\n\n<p>Yes, but the premium is fixed. Every Texas title company charges the same TDI premium for the same policy amount. What does change between companies:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Escrow and settlement service fees<\/li>\n\n\n\n<li>Wire and courier fees<\/li>\n\n\n\n<li>Processing and document prep fees<\/li>\n\n\n\n<li>Speed and reliability at closing<\/li>\n\n\n\n<li>Whether they offer remote online notarization (RON) and digital closing<\/li>\n\n\n\n<li>Service quality and how they handle the items on Schedule C<\/li>\n\n\n\n<li>Experience with complex deals (estates, <a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/foreclosure-basics\/\" target=\"_blank\" rel=\"noreferrer noopener\">foreclosures<\/a>, commercial properties)<\/li>\n<\/ul>\n\n\n\n<p>A smart move: ask two or three title companies for a fee sheet before signing the contract. The premium will match. The rest can differ by hundreds of dollars.<\/p>\n\n\n\n<p>Federal law (RESPA, 12 USC \u00a72608) says a seller can\u2019t force the buyer to use a specific title company as a condition of sale. The buyer has the right to choose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-owner-s-title-insurance-worth-it-in-texas\">Is Owner\u2019s Title Insurance Worth It in Texas?<\/h2>\n\n\n\n<p>Owner\u2019s title insurance isn\u2019t required in Texas. But most real estate pros recommend it. Why? The cost of fixing a title problem on your own is usually way more than the one-time premium.<\/p>\n\n\n\n<p>Here\u2019s a real example. A contractor\u2019s mechanic\u2019s lien for $18,000 shows up six months after you close on a $400,000 home. Without an owner\u2019s policy, you pay that lien yourself (or fight it in court) before you can sell or refinance. With an owner\u2019s policy, the title insurance company defends and resolves the claim within your policy limits. Your premium at closing was $2,262, about one-eighth of what you\u2019d owe without the policy.<\/p>\n\n\n\n<p>The coverage lasts as long as you (or your heirs) own the home. You don\u2019t pay anything more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>Texas title insurance is regulated, priced by formula, and one of the easier line items on a Texas Closing Disclosure once you know the rules.<\/p>\n\n\n\n<p>On a $400,000 financed purchase: &#8211; The seller usually pays $2,262 for the owner\u2019s policy &#8211; The buyer pays $100 for the lender\u2019s policy under R-5 &#8211; Add a few hundred more for endorsements, <a href=\"https:\/\/ibuyer.com\/blog\/what-does-it-mean-if-your-home-is-in-escrow\/\" target=\"_blank\" rel=\"noreferrer noopener\">escrow<\/a>, and recording<\/p>\n\n\n\n<p>If you <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-does-refinancing-a-mortgage-work\/\" target=\"_blank\" rel=\"noreferrer noopener\">refinance<\/a> within 4 years of your original policy, you can save up to 50% on the new lender\u2019s premium under R-8.<\/p>\n\n\n\n<p>The premium itself isn\u2019t negotiable. But who pays it, what endorsements you add, and which title company handles the closing, all of those are.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779197224987\"><strong class=\"schema-faq-question\"><strong>How much is title insurance on a $400,000 house in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">The owner\u2019s title insurance premium on a $400,000 home is $2,262 under the TDI rate schedule effective March 1, 2026. The lender\u2019s policy adds $100 when it\u2019s issued at the same closing.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197250484\"><strong class=\"schema-faq-question\"><strong>How much is title insurance on a $300,000 house in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">A $300,000 home has an owner\u2019s policy premium of $1,768. With a lender\u2019s policy at the same closing, the total basic premium is $1,868. That doesn\u2019t include endorsements or other fees.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197255967\"><strong class=\"schema-faq-question\"><strong>Who pays for owner\u2019s title insurance in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">In most Texas home sales, the seller pays for the owner\u2019s (T-1) title insurance policy. But this is fully negotiable in the contract. The buyer usually pays for the lender\u2019s (T-2) policy.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197261938\"><strong class=\"schema-faq-question\"><strong>Is title insurance required in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">A lender\u2019s title insurance policy is required by almost every Texas mortgage lender. An owner\u2019s policy isn\u2019t legally required. But most real estate pros recommend it because the cost of fixing a title problem usually beats the one-time premium.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197267984\"><strong class=\"schema-faq-question\"><strong>What\u2019s the difference between a T-1 and a T-2 policy in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">A T-1 is the Texas owner\u2019s title insurance policy. It protects the buyer\u2019s ownership. A T-2 is the Texas loan policy. It protects the lender\u2019s mortgage. Both forms are set by TDI and used by every title company in the state.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197273296\"><strong class=\"schema-faq-question\"><strong>What is a simultaneous issue rate and how much does it save?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">A simultaneous issue rate applies when the owner\u2019s and lender\u2019s policies are issued at the same closing. Under Rate Rule R-5, the lender\u2019s policy costs $100, no matter the loan amount. On a $400,000 purchase, this saves $2,162 compared to a stand-alone lender\u2019s policy.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197279211\"><strong class=\"schema-faq-question\"><strong>Can you get a discount on title insurance for a refinance in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">Yes. Rate Rule R-8 gives you a 50% discount on the new lender\u2019s policy if your prior loan policy is 4 years old or less. You get 25% off if it\u2019s between 4 and 8 years old. The discount is based on the smaller of your new loan amount or your original loan amount.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197285194\"><strong class=\"schema-faq-question\"><strong>Do I need title insurance if I\u2019m paying cash for a home in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">Title insurance isn\u2019t required for a cash purchase. There\u2019s no lender to require it. But most pros still recommend an owner\u2019s policy. Your risk from hidden liens, ownership disputes, and fraud is the same whether you finance or pay cash.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197313215\"><strong class=\"schema-faq-question\"><strong>How long does title insurance last in Texas?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">A Texas owner\u2019s title insurance policy lasts as long as you, or your heirs, own the home. There\u2019s no expiration date. You don\u2019t pay a renewal premium. The lender\u2019s policy ends when you pay off or refinance the loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197319414\"><strong class=\"schema-faq-question\"><strong>Is title insurance cheaper in Texas than in California or Florida?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">Texas premiums are similar to Florida\u2019s and a bit higher than California\u2019s competitive-rate markets. They\u2019re lower than New York\u2019s. Direct comparison is tricky because some states let companies set their own rates while Texas sets them. On a $400,000 home, Texas\u2019s $2,262 premium sits roughly in the middle of the national range.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779197329695\"><strong class=\"schema-faq-question\"><strong>Who chooses the title company in a Texas closing?<\/strong><br><\/strong> <p class=\"schema-faq-answer\">The party paying for the owner\u2019s policy usually picks the title company. But the buyer has the legal right to choose under RESPA \u00a79 (12 USC \u00a72608). A seller can\u2019t require the buyer to use a specific title company. In practice, the listing agent often suggests a preferred company and both sides agree in the contract.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>In Texas, title insurance costs $780 for a $100,000 home. For a $1 million home, it costs $5,226. The state sets these prices. That means every title company in Texas charges the same basic price. If you\u2019re getting a mortgage, you\u2019ll also pay $100 for a lender\u2019s policy at closing. Total title-related closing costs usually [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":23042,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[94,106],"tags":[],"class_list":["post-7776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-texas","category-title-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Much Is Title Insurance in Texas? 2026 Rates and Costs<\/title>\n<meta name=\"description\" content=\"Texas title insurance costs $780 on a $100K home and scales by formula. 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Her firsthand experience working with buyers and sellers gives her a practical perspective on how these platforms impact real homeowners. She holds a degree in Public Relations, Advertising, and Applied Communication.","url":"https:\/\/ibuyer.com\/blog\/author\/reillydzurick\/"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197224987","position":1,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197224987","name":"How much is title insurance on a $400,000 house in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The owner\u2019s title insurance premium on a $400,000 home is $2,262 under the TDI rate schedule effective March 1, 2026. The lender\u2019s policy adds $100 when it\u2019s issued at the same closing.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197250484","position":2,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197250484","name":"How much is title insurance on a $300,000 house in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A $300,000 home has an owner\u2019s policy premium of $1,768. With a lender\u2019s policy at the same closing, the total basic premium is $1,868. That doesn\u2019t include endorsements or other fees.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197255967","position":3,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197255967","name":"Who pays for owner\u2019s title insurance in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"In most Texas home sales, the seller pays for the owner\u2019s (T-1) title insurance policy. But this is fully negotiable in the contract. The buyer usually pays for the lender\u2019s (T-2) policy.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197261938","position":4,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197261938","name":"Is title insurance required in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A lender\u2019s title insurance policy is required by almost every Texas mortgage lender. An owner\u2019s policy isn\u2019t legally required. But most real estate pros recommend it because the cost of fixing a title problem usually beats the one-time premium.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197267984","position":5,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197267984","name":"What\u2019s the difference between a T-1 and a T-2 policy in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A T-1 is the Texas owner\u2019s title insurance policy. It protects the buyer\u2019s ownership. A T-2 is the Texas loan policy. It protects the lender\u2019s mortgage. Both forms are set by TDI and used by every title company in the state.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197273296","position":6,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197273296","name":"What is a simultaneous issue rate and how much does it save?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A simultaneous issue rate applies when the owner\u2019s and lender\u2019s policies are issued at the same closing. Under Rate Rule R-5, the lender\u2019s policy costs $100, no matter the loan amount. On a $400,000 purchase, this saves $2,162 compared to a stand-alone lender\u2019s policy.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197279211","position":7,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197279211","name":"Can you get a discount on title insurance for a refinance in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Rate Rule R-8 gives you a 50% discount on the new lender\u2019s policy if your prior loan policy is 4 years old or less. You get 25% off if it\u2019s between 4 and 8 years old. The discount is based on the smaller of your new loan amount or your original loan amount.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197285194","position":8,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197285194","name":"Do I need title insurance if I\u2019m paying cash for a home in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Title insurance isn\u2019t required for a cash purchase. There\u2019s no lender to require it. But most pros still recommend an owner\u2019s policy. Your risk from hidden liens, ownership disputes, and fraud is the same whether you finance or pay cash.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197313215","position":9,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197313215","name":"How long does title insurance last in Texas?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A Texas owner\u2019s title insurance policy lasts as long as you, or your heirs, own the home. There\u2019s no expiration date. You don\u2019t pay a renewal premium. The lender\u2019s policy ends when you pay off or refinance the loan.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197319414","position":10,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197319414","name":"Is title insurance cheaper in Texas than in California or Florida?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Texas premiums are similar to Florida\u2019s and a bit higher than California\u2019s competitive-rate markets. They\u2019re lower than New York\u2019s. Direct comparison is tricky because some states let companies set their own rates while Texas sets them. On a $400,000 home, Texas\u2019s $2,262 premium sits roughly in the middle of the national range.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197329695","position":11,"url":"https:\/\/ibuyer.com\/blog\/how-much-is-title-insurance-in-texas\/#faq-question-1779197329695","name":"Who chooses the title company in a Texas closing?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The party paying for the owner\u2019s policy usually picks the title company. But the buyer has the legal right to choose under RESPA \u00a79 (12 USC \u00a72608). A seller can\u2019t require the buyer to use a specific title company. In practice, the listing agent often suggests a preferred company and both sides agree in the contract.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/7776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/comments?post=7776"}],"version-history":[{"count":5,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/7776\/revisions"}],"predecessor-version":[{"id":22700,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/7776\/revisions\/22700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/media\/23042"}],"wp:attachment":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/media?parent=7776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/categories?post=7776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/tags?post=7776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}