Colorado Title Insurance Cost: What an Owner's and Lender's Policy Costs

Colorado title insurance by purchase price

Colorado uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: WFG National Title Insurance Company.

Colorado title insurance calculator

Enter a purchase price to see the owner's and lender's policy premiums from the filed Colorado rate schedule.

Who pays for the owner's policy

In Colorado the seller customarily pays for the owner's policy, so the figure below is usually the seller's cost; the buyer still pays the lender's policy. Reported per data/closing/colorado.json (First American's calculator default allocation for Denver County); not independently confirmed against a primary Colorado source in this extraction.

When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate; that is the lender figure used on this page.

Title insurance at the county median price

The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Colorado county is in the list below.

Title insurance in Colorado cities

What the two policies cover

The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because underwriters file competing rates, getting two quotes at your purchase price is worth a few hundred dollars.

Sources

• WFG National Title Insurance Company, Colorado Title Insurance Rate Manual, effective January 15, 2026, Section 6 Basic Rate Table (Zone 1: Adams, Arapahoe, Broomfield, Denver, Douglas, Elbert, Jefferson Counties)

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.