One premium, once. Priced off two numbers.
Enter your numbersEnter the purchase price and loan amount to estimate the title premium.
Your numbers
Prices the owner’s policy. It insures your stake.
Prices the lender’s policy. Enter 0 if you’re paying cash.
Both policies, issued together
Enter a purchase price to price both policies
Owner’s and lender’s coverage, written together at the closing table.
Above $5,000,000 we don’t publish an estimate: the tiers up there are worth confirming with us directly rather than guessing at.
No loan, so there’s no lender’s policy to write. The owner’s policy is the whole premium.
Your loan exceeds the purchase price, so the excess is charged at the lender’s rate on top.
Details and assumptions
Go back for that owner’s policy later, on its own, and it costs , as much as both policies together do today.
Adding it at the same closing saves . Both policies are written together, so the pair is priced as one, which is why the cheapest moment to protect your own stake is the day you close. There isn’t a second one.
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This calculator needs JavaScript. The five drivers below explain what moves the premium.
These calculators produce estimates for general information, not legal advice. Every transaction is different. Reach out to talk through yours.
About this estimate
Connecticut standard CATIC owner and lender policies, checked against CATIC’s current calculator. Expanded coverage, endorsements, closing protection letters and transaction-specific discounts are excluded. Premiums round to the nearest dollar. Our tested calculator limit is $5 million; ask us for larger amounts. Your final premium depends on the coverage and transaction. General information, not legal advice. Every transaction is different. Contact Mancuso Carey to discuss your closing.
Five things that move the number.
Nothing here is negotiable in the way a lender fee is. But knowing what drives the premium tells you which decisions are actually yours.
The purchase price
The owner’s policy is priced off what you paid, because that’s the stake being insured. It’s the single biggest input, and the one you already know.
The loan amount
A lender’s policy is priced off the mortgage, not the price. If you’re putting 20% down, that’s a meaningfully smaller number than the purchase price.
Financing? Your lender will require this policy. It protects the lender, not you.Whether both policies issue together
When the owner’s and lender’s policies are written at the same closing, the second one is priced at a simultaneous-issue rate rather than at full freight. This is why buying the owner’s policy at closing costs far less than adding it later.
The cheapest moment to buy owner’s coverage is the day you close. There isn’t a second one.Endorsements
Add-ons that extend a policy to cover specific situations: a survey question, a condominium, a planned development. Your lender may require particular ones. Each carries its own charge.
What the search turns up
The premium itself doesn’t move because the search found a problem, but a problem found is work that has to happen. On a purchase, clearing a defect is the seller’s attorney’s job; we review the search and flag what we see.
Questions about title insurance.
How much does title insurance cost in Connecticut?
It's typically paid through a one-time premium at closing, priced primarily off the purchase price for an owner's policy and the loan amount for a lender's policy. Because the rate schedules are set by the title underwriters rather than by us, the reliable way to get your number is to run it for your specific price and loan.
Do I need both an owner's policy and a lender's policy?
If you're financing, your lender will require a lender's policy protecting its interest in the loan. That policy does nothing for you. An owner's policy is the one that protects your own stake, and it's optional. When both are issued at the same closing, the owner's policy is usually far cheaper than it would be alone.
Is title insurance a yearly cost?
No. It's a single premium at closing. An owner's policy then stays in effect for as long as you hold an interest in the property. That's also why refinancing doesn't call for a new owner's policy, only a new lender's policy.