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PA Title Insurance Calculator

Calculate Pennsylvania title insurance costs using official TIRBOP rates. Get accurate estimates for purchases and refinances with endorsement fees included.

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Official TIRBOP Rates

Pennsylvania title insurance rates are regulated by the Title Insurance Rating Bureau of Pennsylvania (TIRBOP) and are uniform across all title companies.

📝 Transaction Details

$

💰 Title Insurance Estimate

Purchase Price

$300,000

Total Estimated Cost

$0.00

Standard Policy • Purchase

Title Insurance Premium$0.00
Lender Endorsements+$0.00
Closing Protection Letter+$0.00

💡 Rate Applied: Sale Rate

Who Pays: In PA, the buyer typically pays title insurance. The buyer also has the right to choose the title company.

📊 PA Title Insurance Rate Quick Reference

TIRBOP standard rates (title premium only, excludes endorsements)

AmountSale RateNon-Sale RateEnhanced (+10%)
$150,000$1,300.00$1,142.25$1,430.00
$200,000$1,575.00$1,385.25$1,732.50
$250,000$1,850.00$1,628.25$2,035.00
$300,000$2,050.00$1,803.25$2,255.00
$400,000$2,450.00$2,153.25$2,695.00
$500,000$2,850.00$2,503.25$3,135.00
$750,000$3,725.00$3,253.25$4,097.50

* Add $425 for typical lender fees (Endorsements 100, 300, 900 + CPL). Rates effective May 1, 2016 per TIRBOP.

📖 Understanding PA Title Insurance

🏠 Owner's Policy

Protects the homeowner's investment against title defects, liens, or ownership claims. Coverage lasts as long as you own the property. Optional but highly recommended.

🏦 Lender's Policy

Protects the mortgage lender's financial interest. Required by all lenders in PA. Coverage decreases as the loan is paid down and expires when the mortgage is satisfied.

⭐ Enhanced Policy

Adds coverage for post-policy forgery, encroachment, building permit violations, and more. Costs 10% extra but provides significantly broader protection. Recommended for all homeowners.

📋 PA Title Insurance Rate Structure

Pennsylvania uses a tiered rate structure set by TIRBOP:

Amount RangeSale RateNon-Sale Rate
$0 - $30,000$569 base$512 base
$30,001 - $45,000+$7.41/k+$5.98/k
$45,001 - $100,000+$6.27/k+$5.41/k
$100,001 - $250,000+$5.50/k+$4.86/k
$250,001 - $500,000+$4.00/k+$3.50/k
$500,001++$3.50/k+$3.00/k

📌 PA Title Insurance Facts

One-Time Payment: Paid at closing, covers you for life

Regulated Rates: Same price at all title companies

Buyer Pays: Typical in PA (negotiable)

Your Choice: Buyer selects title company

✅ What Title Insurance Covers

  • Unknown liens or encumbrances
  • Errors in public records
  • Forged documents
  • Missing heirs claims
  • Undisclosed easements
  • Fraud and impersonation

Frequently Asked Questions

Title insurance costs in Pennsylvania are regulated by TIRBOP (Title Insurance Rating Bureau of Pennsylvania) and are the same regardless of which title company you use. For a $300,000 home purchase, expect to pay approximately $2,070 for a standard policy or $2,277 for an enhanced policy. Add $300-$425 for common lender endorsements and the Closing Protection Letter.

PA title insurance uses a tiered rate structure: Base rate of $569 for the first $30,000, then incremental rates per $1,000 for higher amounts ($7.41/k up to $45k, $6.27/k up to $100k, $5.50/k up to $250k, $4.00/k up to $500k, $3.50/k above $500k). The rate is applied to either the purchase price (Sale Rate) or loan amount (Non-Sale Rate for refinances).

In Pennsylvania, the buyer typically pays for title insurance. However, this is negotiable and can be part of your purchase agreement. The buyer has the legal right to select the title company. Some sellers may agree to pay for the owner's policy as part of negotiations, especially in buyer's markets.

Sale Rate applies to purchase transactions where both owner's and lender's policies are issued simultaneously. Non-Sale Rate (also called Refinance Rate) applies to refinance transactions where only a lender's policy is needed. Non-Sale rates are approximately 10-15% lower than Sale rates.

An Enhanced policy provides additional coverage beyond the standard policy, including protection against post-policy forgery, encroachment issues, building permit violations, and subdivision law violations. It costs 10% more than the standard policy but offers significantly broader protection for homeowners.

Lender endorsements are policy add-ons that provide extra protection for mortgage lenders. Most PA lenders require Endorsements 100, 300, and 900 (costing $100 each). The Closing Protection Letter ($125) is mandated by the PA Insurance Commission. These fees are typically non-negotiable when obtaining a mortgage.

🏠 Disclaimer: This calculator uses official TIRBOP (Title Insurance Rating Bureau of Pennsylvania) rates. Actual costs may vary based on specific circumstances, additional endorsements, or title company fees. Rates shown are effective as of May 1, 2016 per TIRBOP guidelines. Always obtain an official quote from a licensed title company for your transaction.