Title Insurance on a $700,000 Home in Kentucky
An owner's title policy on a $700,000 purchase in Kentucky costs about $2,560, and the lender's policy issued with it about $200, $2,760 for both. 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).
Nearby prices
| 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 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
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
Frequently asked questions
How much is title insurance on a $700,000 house in Kentucky?
About $2,560 for the owner's policy and $200 for the lender's policy when both are issued at closing, $2,760 in total, computed from the Kentucky 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).
Who pays for title insurance in Kentucky?
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
Sources
- First American Title Insurance Company, Kentucky Schedule of Title Insurance Rates, effective May 5, 2024 (filed with the Kentucky Department of Insurance)
- Who pays for the owner's policy in Kentucky
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.
Kentucky title insurance overview → All Kentucky buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Kentucky title insurance