Pennsylvania Title Insurance Rates Explained

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Pennsylvania Title Insurance Rates Explained

Title insurance costs in Pennsylvania can be broken down into regulated charges related to the premium, sometimes referred to as title insurance rates and a series of related items, referred to a fees, or title insurance related fees:

Regulated charges including title insurance premium, endorsements to the title insurance policy, and the closing service letter;
Government required fees such as document recording and transfer tax; and
Other fees collected by the title insurance agent – for reimbursement and other expenses.

The sections below provide more detail on how Pennsylvania title insurance rates are calculated.

Title Insurance Premium

Sometimes referred to as the "title insurance rate" in Pennsylvania, the premium consists of four distinct filed rate structures. The rate is determined by the type of transaction, the amount of insurance required, and the number of years since the last evidence of title insurance.*

Purchase transactions are eligible for the Basic or Reissue (discounted) rate. The coverage amount is determined by the greater of the purchase price or loan amount. Enhanced coverage is available to owner-occupants through the Homeowners Policy of Title Insurance for an additional 10% of the applicable premium. A qualified new construction purchase is eligible for a discount which is equal to the Reissue rate less 10%. For more information on qualified new construction, please contact us.

Mortgage Refinance Transactions are eligible for the Basic or one of three possible discounted rates. The coverage amount is determined by the loan amount. See the table below for a quick summary of rate qualifications. Negatively amortizing and reverse mortgages loans may be subject to increased policy limits as required by the mortgage lender.

We are glad to provide a guaranteed quote in writing. Simply contact us or fill out one of our quote request forms online.

**PA Title Insurance Rate Structure**
Last Evidence of Title Insurance*	Rate	Purchase	Refinance
10 or more years	Basic	√	√
4 to 10 Years	Reissue	√	√
2 to 4 Years	Refinance		√
0 to 2 Years	2 Yr Refinance		√
Qualified New Construction		√

Endorsements

You or your lender may request Endorsements to the title insurance policy. Most lenders request three standard Endorsements, but depending on the property or the loan product, the lender may request additional Endorsements. The filed rate for most Endorsements in Pennsylvania is $50 per Endorsement. There are a number of Owner's Title Insurance Policy Endorsements available. If interested, please contact us concerning qualification and coverage.