One premium, once. Priced off two numbers.
Title insurance is the line on the settlement statement people understand least and question most. It’s a one-time cost, and what drives it is simpler than it looks.
Estimate the premium.
Purchase price and loan amount get you most of the way there.
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
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.
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.
Above $5,000,000 we don’t publish an estimate — the tiers up there are worth confirming with us directly rather than guessing at.
Email me this title estimateThis calculator needs JavaScript. The five drivers below explain what moves the premium.
Estimates only, based on the published CATIC Connecticut standard rate schedule. Endorsements your lender requires are additional, and expanded-protection policies are priced differently. Connecticut conveyance tax per CGS §12-494; recording fees per CGS §7-34a as amended by PA 18-136; title premiums measured against CATIC’s own premium calculator. Lender charges are not included — they vary more by lender than by anything else in the deal. Your exact premium appears on the settlement statement.
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 a one-time premium paid 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.
Not sure which policies you actually need?
Tell us the price and the loan and we’ll walk you through what your lender will require versus what’s genuinely optional.
Thanks. We’ve got it.
Your numbers are with us and someone will come back to you within one business day. If it’s urgent, call (860) 603-2258.
These calculators produce estimates for general information, not legal advice. Every transaction is different — reach out to talk through yours.