Title Insurance on a $700,000 Home in Hawaii
An owner's title policy on a $700,000 purchase in Hawaii costs about $3,077, and the lender's policy issued with it about $250, $3,327 for both. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $350).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $1,032 | $250 | $1,282 |
| $200,000 | $1,032 | $250 | $1,282 |
| $250,000 | $1,471 | $250 | $1,721 |
| $300,000 | $1,471 | $250 | $1,721 |
| $350,000 | $1,911 | $250 | $2,161 |
| $400,000 | $1,911 | $250 | $2,161 |
| $450,000 | $2,325 | $250 | $2,575 |
| $500,000 | $2,325 | $250 | $2,575 |
| $600,000 | $2,714 | $250 | $2,964 |
| $700,000 | $3,077 | $250 | $3,327 |
| $800,000 | $3,413 | $250 | $3,663 |
| $1,000,000 | $4,012 | $250 | $4,262 |
Hawaii title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Hawaii rate schedule.
Who pays
Who pays for the owner's policy in Hawaii varies by county and by contract. This First American schedule itself prints a customary 60% Seller's Portion / 40% Buyer's Portion split of the Basic Rate (Owner's Policy charge) for Oahu resale transactions, i.e. Hawaii custom (at least on Oahu) has BOTH parties contribute to the owner's premium, not one party paying it in full. The Base Escrow Rate (a separate closing fee) is split 50/50. Practice may vary by island/county; not independently confirmed beyond this one underwriter's posted sheet. Source
Frequently asked questions
How much is title insurance on a $700,000 house in Hawaii?
About $3,077 for the owner's policy and $250 for the lender's policy when both are issued at closing, $3,327 in total, computed from the Hawaii rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $350).
Who pays for title insurance in Hawaii?
Who pays for the owner's policy in Hawaii varies by county and by contract. This First American schedule itself prints a customary 60% Seller's Portion / 40% Buyer's Portion split of the Basic Rate (Owner's Policy charge) for Oahu resale transactions, i.e. Hawaii custom (at least on Oahu) has BOTH parties contribute to the owner's premium, not one party paying it in full. The Base Escrow Rate (a separate closing fee) is split 50/50. Practice may vary by island/county; not independently confirmed beyond this one underwriter's posted sheet. Source
Sources
- First American Title Insurance Company, Hawaii Summary of Title Insurance Rates and Fees, effective 01.15.26 (posted rate schedule for use in resale closings of one-to-four family residential property; not First American's complete internal Schedule of Fees)
- Who pays for the owner's policy in Hawaii
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.
Hawaii title insurance overview → All Hawaii buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Hawaii title insurance