Title Insurance on a $400,000 Home in Missouri
An owner's title policy on a $400,000 purchase in Missouri costs about $771, and the lender's policy issued with it about $225, $996 for both. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $265).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $471 | $225 | $696 |
| $200,000 | $531 | $225 | $756 |
| $250,000 | $591 | $225 | $816 |
| $300,000 | $651 | $225 | $876 |
| $350,000 | $711 | $225 | $936 |
| $400,000 | $771 | $225 | $996 |
| $450,000 | $831 | $225 | $1,056 |
| $500,000 | $891 | $225 | $1,116 |
| $600,000 | $1,011 | $225 | $1,236 |
| $700,000 | $1,131 | $225 | $1,356 |
Missouri title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Missouri rate schedule.
Who pays
Who pays for the owner's policy in Missouri is negotiable in the purchase contract. Missouri has no statute assigning the owner's-policy cost; local custom and the purchase contract decide, and this varies significantly by region within the state. Source
Frequently asked questions
How much is title insurance on a $400,000 house in Missouri?
About $771 for the owner's policy and $225 for the lender's policy when both are issued at closing, $996 in total, computed from the Missouri rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $265).
Who pays for title insurance in Missouri?
Who pays for the owner's policy in Missouri is negotiable in the purchase contract. Missouri has no statute assigning the owner's-policy cost; local custom and the purchase contract decide, and this varies significantly by region within the state. Source
Sources
- Platinum Title & Escrow (Leawood, KS), Residential Owner's Policy Rate Table, serving all Missouri and Kansas counties
- Who pays for the owner's policy in Missouri
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.
Missouri title insurance overview → All Missouri buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Missouri title insurance