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

An owner's title insurance policy on a $302,300 Kansas home costs about $823, and the lender's policy issued with it about $300, under the filed rate schedule. The owner's policy rate is $8.70 per $1,000 up to $50,000, $1.60 per $1,000 from $50,000 to $150,000, $1.50 per $1,000 from $150,000 to $300,000, $1.20 per $1,000 from $300,000 to $1,000,000, $1 per $1,000 above $1,000,000, with a minimum premium of $435.

Kansas title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$595	$300	$895
$200,000	$670	$300	$970
$250,000	$745	$300	$1,045
$300,000	$820	$300	$1,120
$350,000	$880	$300	$1,180
$400,000	$940	$300	$1,240
$450,000	$1,000	$300	$1,300
$500,000	$1,060	$300	$1,360
$600,000	$1,180	$300	$1,480
$700,000	$1,300	$300	$1,600
$800,000	$1,420	$300	$1,720
$1,000,000	$1,660	$300	$1,960

Kansas 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.

Kansas title insurance calculator

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

Who pays for the owner's policy

Who pays for the owner's policy in Kansas is negotiable in the purchase contract. No official source found stating whether buyer or seller customarily pays the owner's policy premium in Kansas; left unspecified, same as data/closing/kansas.json.

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 $300); 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 Kansas county is in the list below.

County	Median home price	Owner's policy
Butler County	$199,600	$669
Douglas County	$281,600	$792
Johnson County	$366,000	$899
Leavenworth County	$260,600	$761
Reno County	$125,000	$555
Riley County	$231,200	$717
Saline County	$171,900	$628
Sedgwick County	$190,700	$656
Shawnee County	$170,400	$626
Wyandotte County	$152,700	$599

All 105 Kansas counties

Title insurance in Kansas cities

City	Median home price	Owner's policy
Wichita	$179,500	$639
Overland Park	$384,400	$921
Kansas City	$147,100	$590
Olathe	$340,600	$869
Topeka	$130,600	$564
Lawrence	$269,500	$774
Shawnee	$332,900	$859
Lenexa	$368,800	$903
Manhattan	$243,700	$736

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 Kansas?

On a $302,300 home, the Kansas median, an owner's title policy costs about $823 under the filed rate schedule, and the lender's policy issued with it costs $300, so both policies together are about $1,123. 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 Kansas?

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 Kansas?

Yes. Kansas 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, Kansas Schedule of Title Insurance Rates and Escrow Fees, on file with the Kansas Insurance Department, Appendix A (Basic Title Insurance Rate) and Sections E.1/F.1/F.2

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 Kansas 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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