What does Title Insurance Cost?
Understanding Title Insurance Pricing & Coverage Options
At TechneTitle, we issue title insurance policies in Ohio & Kentucky as an agent for national underwriters. Whether you’re a homebuyer, lender, or real estate investor, we ensure transparent pricing and reliable coverage to protect your property investment.
How Is Title Insurance Priced?
Ohio and Kentucky are filed rate states, meaning that title insurance premiums are regulated and based on:
The type of policy (Owner’s Policy, Lender’s Policy, or Homeowner’s Policy).
The property value & loan amount (higher values = higher premiums).
Any endorsements added (additional coverage options).
Types of Title Insurance Policies & Their Costs
Owner’s Title Insurance Policy (Protects Homebuyers & Property Owners)
Who needs it? Homebuyers and real estate investors.
✔ One-time premium for lifetime coverage.
✔ Protects against ownership disputes, unpaid liens, & fraud.
Lender’s Title Insurance Policy (Protects Mortgage Lenders)
Who needs it? Required for most mortgage loans.
✔ Ensures the lender has a valid lien on the property.
✔ Coverage lasts until the mortgage is paid off.
Homeowner’s Title Insurance Policy (Enhanced Coverage for Buyers)
Who needs it? Homebuyers who want extra protection.
✔ Covers additional risks, such as zoning violations & building permit issues.
✔ Requires more extensive underwriting & a higher premium.
FAQs – Common Questions About Title Insurance Costs
1. How much does title insurance cost in Ohio & Kentucky?
Title insurance rates vary based on property value & policy type. Because Ohio and Kentucky use filed rates, costs are standardized based on state regulations. Get a custom quote from TechneTitle today!
2. Who pays for title insurance—the buyer or seller?
In most cases, the homebuyer purchases the Owner’s Policy, while the lender requires the borrower to pay for the Lender’s Policy. However, payment responsibility can vary based on the purchase agreement.
3. Is title insurance a one-time fee?
Yes! Unlike homeowner’s insurance, title insurance is a one-time cost paid at closing that provides lifetime protection.
Get a Title Insurance Quote with TechneTitle
Serving Cincinnati, OH, Northern Kentucky & Surrounding Counties
TechneTitle offers affordable, reliable title insurance coverage to protect homebuyers, lenders, and real estate investors from financial loss due to title defects.
Check out our Title Insurance Calculator for more information.