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

Iowa title insurance by purchase price

Iowa does not use private title insurance for most home purchases: a state-run program issues the title guaranty, and its published fee schedule is what the figures below use. Schedule shown: Iowa Title Guaranty (Iowa Finance Authority).

Iowa title insurance calculator

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

Who pays for the owner's policy

In Iowa the buyer customarily pays for the owner's policy. No official source found specifying who customarily pays; reported per data/closing/iowa.json's existing note.

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 $0); 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 Iowa county is in the list below.

Title insurance in Iowa 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

• Iowa Title Guaranty Residential Premium Rates, effective July 1, 2023

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.