Title Insurance on a $350,000 Home in Idaho
An owner's title policy on a $350,000 purchase in Idaho costs about $1,496, and the lender's policy issued with it about $449, $1,945 for both. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $220).
Nearby prices
| 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 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
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
Frequently asked questions
How much is title insurance on a $350,000 house in Idaho?
About $1,496 for the owner's policy and $449 for the lender's policy when both are issued at closing, $1,945 in total, computed from the Idaho 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).
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
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.
Idaho title insurance overview → All Idaho buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Idaho title insurance