Owner's Title Insurance
Always shop this separately from your lender's recommendation — savings often $500+.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Typical: $1,000 flat fee
- Range: $700–$2,000
FairPrice score: 68/100
Features
- One-time premium
- Protects owner forever
- Regulated by state
Pros
- Protects against title defects
Cons
- Prices rarely shopped
- Kickbacks between agents/title co common
Best for
- first-home
- negotiate
Official source · Last verified 2026-07-04