Title Insurance on a $400,000 Home in California
An owner's title policy on a $400,000 purchase in California costs about $1,400, and the lender's policy issued with it about $175, $1,575 for both. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $477).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $818 | $175 | $993 |
| $200,000 | $959 | $175 | $1,134 |
| $250,000 | $1,073 | $175 | $1,248 |
| $300,000 | $1,203 | $175 | $1,378 |
| $350,000 | $1,287 | $175 | $1,462 |
| $400,000 | $1,400 | $175 | $1,575 |
| $450,000 | $1,484 | $175 | $1,659 |
| $500,000 | $1,596 | $175 | $1,771 |
| $600,000 | $1,737 | $175 | $1,912 |
| $700,000 | $1,896 | $175 | $2,071 |
| $800,000 | $2,068 | $175 | $2,243 |
| $1,000,000 | $2,388 | $175 | $2,563 |
California title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed California rate schedule.
Who pays
Who pays for the owner's policy in California varies by county and by contract. By strong regional custom (not officially sourced in this extraction): in Northern California the SELLER customarily pays for the owner's title policy; in Southern California (including Los Angeles County) it is more often negotiated or split by local custom. Not confirmed against a primary source, same caveat as data/closing/california.json.
Frequently asked questions
How much is title insurance on a $400,000 house in California?
About $1,400 for the owner's policy and $175 for the lender's policy when both are issued at closing, $1,575 in total, computed from the California rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $477).
Who pays for title insurance in California?
Who pays for the owner's policy in California varies by county and by contract. By strong regional custom (not officially sourced in this extraction): in Northern California the SELLER customarily pays for the owner's title policy; in Southern California (including Los Angeles County) it is more often negotiated or split by local custom. Not confirmed against a primary source, same caveat as data/closing/california.json.
Sources
Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
California title insurance overview → All California buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
California title insurance