Title Insurance on a $400,000 Home in Louisiana
An owner's title policy on a $400,000 purchase in Louisiana costs about $1,895, and the lender's policy issued with it about $125, $2,020 for both. The owner's policy rate is a flat $100 up to $12,000, $5.40 per $1,000 from $12,000 to $50,000, $4.80 per $1,000 from $50,000 to $100,000, $4.50 per $1,000 from $100,000 to $500,000, $3.60 per $1,000 from $500,000 to $1,000,000, $3 per $1,000 from $1,000,000 to $2,000,000, $2.70 per $1,000 from $2,000,000 to $10,000,000, $2.40 per $1,000 from $10,000,000 to $15,000,000, $2.10 per $1,000 from $15,000,000 to $25,000,000, $1.80 per $1,000 from $25,000,000 to $35,000,000, $1.50 per $1,000 above $35,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000). The figures are for the standard owner's policy. The Homeowner's Policy offered on a home purchase costs 110% of the standard rate.
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $770 | $125 | $895 |
| $200,000 | $995 | $125 | $1,120 |
| $250,000 | $1,220 | $125 | $1,345 |
| $300,000 | $1,445 | $125 | $1,570 |
| $350,000 | $1,670 | $125 | $1,795 |
| $400,000 | $1,895 | $125 | $2,020 |
| $450,000 | $2,120 | $125 | $2,245 |
| $500,000 | $2,345 | $125 | $2,470 |
| $600,000 | $2,705 | $125 | $2,830 |
| $700,000 | $3,065 | $125 | $3,190 |
| $800,000 | $3,425 | $125 | $3,550 |
| $1,000,000 | $4,145 | $125 | $4,270 |
Louisiana title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Louisiana rate schedule.
Who pays
Who pays for the owner's policy in Louisiana is negotiable in the purchase contract. The LATISSO manual sets premiums only, not who pays; Louisiana custom (buyer commonly pays in most parishes, though this varies) and the act of sale/purchase agreement decide, not statute. Source
Frequently asked questions
How much is title insurance on a $400,000 house in Louisiana?
About $1,895 for the owner's policy and $125 for the lender's policy when both are issued at closing, $2,020 in total, computed from the Louisiana rate schedule. The owner's policy rate is a flat $100 up to $12,000, $5.40 per $1,000 from $12,000 to $50,000, $4.80 per $1,000 from $50,000 to $100,000, $4.50 per $1,000 from $100,000 to $500,000, $3.60 per $1,000 from $500,000 to $1,000,000, $3 per $1,000 from $1,000,000 to $2,000,000, $2.70 per $1,000 from $2,000,000 to $10,000,000, $2.40 per $1,000 from $10,000,000 to $15,000,000, $2.10 per $1,000 from $15,000,000 to $25,000,000, $1.80 per $1,000 from $25,000,000 to $35,000,000, $1.50 per $1,000 above $35,000,000, with a minimum premium of $100 (the price is rounded up to the next $1,000). The figures are for the standard owner's policy. The Homeowner's Policy offered on a home purchase costs 110% of the standard rate.
Who pays for title insurance in Louisiana?
Who pays for the owner's policy in Louisiana is negotiable in the purchase contract. The LATISSO manual sets premiums only, not who pays; Louisiana custom (buyer commonly pays in most parishes, though this varies) and the act of sale/purchase agreement decide, not statute. Source
Sources
- Louisiana Title Statistical Services Organization (LATISSO), Manual of Rates and Forms for Title Insurance in the State of Louisiana, (09/01/2025) Edition, filed with the Louisiana Department of Insurance (Rate/Rule Filing DEMT-134565450), effective for orders received on or after September 1, 2025
- Who pays for the owner's policy in Louisiana
Rates as filed or promulgated, checked October 17, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.
Louisiana title insurance overview → All Louisiana buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Louisiana title insurance