Standard Form        Short Form        Reissue Rates        Simultaneous Issue Rates

Note: The rates shown below are for title insurance only and do not include charges for research, attorney's fees, escrow or closing services, special coverages or endorsements. A loan policy cannot be issued for any amount less than the full principal debt but can be issued for up to 25% in excess of the principal debt to cover interest, foreclosure costs, etc. The rates shown below are per thousand dollars of coverage or any fraction of a thousand dollars of coverage. Confused? Contact Us or click Instant Quote to calculate premiums and fees.

Standard Loan Policy:

A standard Loan policy insures a mortgage lender against loss or damage by reason of title to their interest in the property being vested other than as stated in the policy, any defect in or lien or encumbrance on the title, unmarketability of the title, a lack of a right of access to and from the land, the invalidity or unenforceability of the lien of the insured mortgage upon the title, the priority of any lien or encumbrance over the lien of the insured mortgage, lack of priority of the lien of the insured mortgage over any statutory lien for services, labor or material, and the invalidity or unenforceability of an assignment of the insured mortgage. Coverage is limited by the Exclusions, Conditions and Stipulations, and Exceptions shown in the policy. Click Standard to view a sample policy for full terms and conditions. Click Compare to view a table comparing standard and short form residential loan policies.

Rates:

Up to $250,000 of liability $3.00 per thousand

Over $250,000 up to $500,000 add $2.75 per thousand

Over $500,000 and up to $1,000,000 add $2.40 per thousand

Over $1,000,000 and up to $2,500,000 add $1.80 per thousand

Over $2,500,000 and up to $7,500,000 add $1.40 per thousand

Over $7,500,000 and up to $10,000,000 add $1.00 per thousand

Over $10,000,000 add $0.75 per thousand

Minimum Premium $200.00.

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Short Form Residential Loan Policy:

Short Form loan policies are only available for residential transactions. They were developed for faster policy production and to reduce paper use. All the insuring provisions and exclusions from coverage, and conditions and stipulations of the standard loan policy are included by way of inclusionary language. A checklist on the face of the form adds the customary American Land Title Association endorsements and indicates whether an addendum containing additional exceptions is attached. Limited affirmative survey coverage is included, usually with no survey requirement. The property is identified only by street address. The effective date may be the date of settlement rather than the date and time the mortgage is recorded. Click Short Form to view a sample policy for full terms and conditions. Click Compare to view a table comparing standard and short form residential loan policies.

Rates:

Same as for the standard policy

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