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

Georgia title insurance by purchase price

Georgia 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: Stewart Title Guaranty Company.

Georgia title insurance calculator

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

Who pays for the owner's policy

In Georgia the buyer customarily pays for the owner's policy. No official primary source located; not independently confirmed, same caveat as data/closing/georgia.json which used a calculator default rather than a documented custom.

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 (a flat $200); 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 Georgia county is in the list below.

Title insurance in Georgia 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

• Stewart Title Guaranty Company, Georgia All Inclusive Schedule of Charges, effective 4/20/2026, Sections 1 (Owner's Title Insurance Original Issue), 3 (Loan Policies), and 6 (Simultaneous Issuance of Owner's and Loan Policies)

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.