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

An owner's title insurance policy on a $277,200 Kentucky home costs about $1,141, and the lender's policy issued with it about $200, under the filed rate schedule. The owner's policy rate is $5 per $1,000 up to $100,000, $3.60 per $1,000 from $100,000 to $500,000, $3.10 per $1,000 from $500,000 to $10,000,000, $2.50 per $1,000 above $10,000,000, with a minimum premium of $200 (the price is rounded up to the next $1,000).

Kentucky title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$680	$200	$880
$200,000	$860	$200	$1,060
$250,000	$1,040	$200	$1,240
$300,000	$1,220	$200	$1,420
$350,000	$1,400	$200	$1,600
$400,000	$1,580	$200	$1,780
$450,000	$1,760	$200	$1,960
$500,000	$1,940	$200	$2,140
$600,000	$2,250	$200	$2,450
$700,000	$2,560	$200	$2,760
$800,000	$2,870	$200	$3,070
$1,000,000	$3,490	$200	$3,690

Kentucky 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.

Kentucky title insurance calculator

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

Who pays for the owner's policy

Who pays for the owner's policy in Kentucky is negotiable in the purchase contract. The rate schedule sets premiums only, not who pays; Kentucky has no statute assigning the owner's-policy cost, so it is set by local custom (which varies by county) and the purchase contract. 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 (a flat $200); 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 Kentucky county is in the list below.

County	Median home price	Owner's policy
Boone County	$253,200	$1,054
Bullitt County	$233,700	$982
Campbell County	$234,500	$986
Daviess County	$185,800	$810
Fayette County	$272,100	$1,123
Hardin County	$205,900	$882
Jefferson County	$237,200	$997
Kenton County	$227,500	$961
Madison County	$220,700	$936
Warren County	$242,600	$1,015

All 120 Kentucky counties

Title insurance in Kentucky cities

City	Median home price	Owner's policy
Louisville/Jefferson County	$221,500	$939
Lexington-Fayette	$272,100	$1,123
Bowling Green	$232,100	$979
Owensboro	$162,900	$727

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 Kentucky?

On a $277,200 home, the Kentucky median, an owner's title policy costs about $1,141 under the filed rate schedule, and the lender's policy issued with it costs $200, so both policies together are about $1,341. 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 Kentucky?

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 Kentucky?

Yes. Kentucky 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

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 Kentucky 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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