Texas Title Policy Calculator
Calculate the cost of a Texas title insurance policy based on property value and loan amount. Supports owner's and lender's policies with simultaneous issue discount.
Published by:
isCalculator Editorial Team
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How to use this tool?
Follow these steps to calculate your Texas Title Policy premium:
- Enter Property Value ($) – the total purchase price of the property (e.g., 300000).
- Enter Loan Amount ($) – the mortgage loan amount (e.g., 240000).
- Optional: Check Simultaneous Issue if both owner’s and lender’s policies are issued together (this applies a 50% discount on the lender policy premium).
- Click Calculate Premium to see the breakdown.
Output: You’ll see the Owner’s Policy premium, Lender’s Policy premium (with discount if applicable), and the total premium. The formula uses Texas Department of Insurance tiered rates per $1,000 of coverage.
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Frequently Asked Questions
A Texas title policy is an insurance policy that protects property owners and lenders against losses from defects in title, such as liens or ownership disputes. It is typically required during real estate transactions.
Rates are set by the Texas Department of Insurance. They are based on the property value or loan amount, with decreasing per-thousand rates as the amount increases. Owner's and lender's policies have different rate schedules.
When both an owner's policy and a lender's policy are issued at the same time, the lender's policy premium is discounted (typically 50% off) because the title search is shared.
