Idaho Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $476,300 Idaho home costs about $1,820, and the lender's policy issued with it about $546, under the filed rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $220).
Idaho title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $858 | $257 | $1,115 |
| $200,000 | $1,028 | $308 | $1,336 |
| $250,000 | $1,198 | $359 | $1,557 |
| $300,000 | $1,368 | $410 | $1,778 |
| $350,000 | $1,496 | $449 | $1,945 |
| $400,000 | $1,623 | $487 | $2,110 |
| $450,000 | $1,751 | $525 | $2,276 |
| $500,000 | $1,878 | $563 | $2,441 |
Idaho 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: First American Title Insurance Company.
Idaho title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Idaho rate schedule.
Who pays for the owner's policy
In Idaho 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. Under Idaho REALTORS' standard RE-21 purchase-and-sale agreement, the seller customarily pays the standard-coverage owner's policy premium and the buyer pays the lender's policy and any extended coverage/endorsements; contractual custom, not a statutory requirement. Source
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 Idaho county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Ada County | $476,000 | $1,817 |
| Bannock County | $267,200 | $1,260 |
| Bingham County | $258,000 | $1,226 |
| Bonner County | $433,400 | $1,710 |
| Bonneville County | $327,000 | $1,437 |
| Canyon County | $350,300 | $1,499 |
| Kootenai County | $467,400 | $1,797 |
| Madison County | $365,000 | $1,534 |
| Nez Perce County | $291,300 | $1,341 |
| Twin Falls County | $292,700 | $1,345 |
All 44 Idaho counties
- Ada County
- Adams County
- Bannock County
- Bear Lake County
- Benewah County
- Bingham County
- Blaine County
- Boise County
- Bonner County
- Bonneville County
- Boundary County
- Butte County
- Camas County
- Canyon County
- Caribou County
- Cassia County
- Clark County
- Clearwater County
- Custer County
- Elmore County
- Franklin County
- Fremont County
- Gem County
- Gooding County
- Idaho County
- Jefferson County
- Jerome County
- Kootenai County
- Latah County
- Lemhi County
- Lewis County
- Lincoln County
- Madison County
- Minidoka County
- Nez Perce County
- Oneida County
- Owyhee County
- Payette County
- Power County
- Shoshone County
- Teton County
- Twin Falls County
- Valley County
- Washington County
Title insurance in Idaho cities
| City | Median home price | Owner's policy |
|---|---|---|
| Boise City | $456,000 | $1,766 |
| Meridian | $485,000 | $1,840 |
| Nampa | $332,500 | $1,453 |
| Idaho Falls | $298,600 | $1,365 |
| Caldwell | $322,100 | $1,427 |
| Pocatello | $240,600 | $1,168 |
| Coeur d'Alene | $451,600 | $1,756 |
| Twin Falls | $279,400 | $1,300 |
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.
Frequently asked questions
How much is title insurance in Idaho?
On a $476,300 home, the Idaho median, an owner's title policy costs about $1,820 under the filed rate schedule, and the lender's policy issued with it costs $546, so both policies together are about $2,366. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.
Who pays for title insurance in Idaho?
In Idaho 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. Under Idaho REALTORS' standard RE-21 purchase-and-sale agreement, the seller customarily pays the standard-coverage owner's policy premium and the buyer pays the lender's policy and any extended coverage/endorsements; contractual custom, not a statutory requirement. Source
Is title insurance a one-time cost?
Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.
Can I shop for title insurance in Idaho?
Yes. Idaho underwriters file their own rate manuals, so premiums differ by company; ask two or three title companies for a quote at your price and compare their settlement fees as well.
Sources
- First American Title Insurance Company Idaho Basic Title Insurance Rates, effective April 11, 2024 (distributed by an independent First American policy-issuing agent)
- Who pays for the owner's policy in Idaho
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.
See all Idaho buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.
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