Nebraska Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $306,700 Nebraska home costs about $819, and the lender's policy issued with it about $75, under the filed rate schedule. The owner's policy rate is a flat $150 up to $20,000, $3.50 per $1,000 from $20,000 to $50,000, $3 per $1,000 from $50,000 to $100,000, $2 per $1,000 from $100,000 to $1,000,000, $1.50 per $1,000 from $1,000,000 to $5,000,000, $1.10 per $1,000 from $5,000,000 to $10,000,000, $0.90 per $1,000 above $10,000,000, with a minimum premium of $150 (the price is rounded up to the next $1,000).
Nebraska title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $505 | $75 | $580 |
| $200,000 | $605 | $75 | $680 |
| $250,000 | $705 | $75 | $780 |
| $300,000 | $805 | $75 | $880 |
| $350,000 | $905 | $75 | $980 |
| $400,000 | $1,005 | $75 | $1,080 |
| $450,000 | $1,105 | $75 | $1,180 |
| $500,000 | $1,205 | $75 | $1,280 |
| $600,000 | $1,405 | $75 | $1,480 |
| $700,000 | $1,605 | $75 | $1,680 |
| $800,000 | $1,805 | $75 | $1,880 |
| $1,000,000 | $2,205 | $75 | $2,280 |
Nebraska uses filed rates: underwriters file their rate manuals with the state insurance department, and the filed schedule below is what a policy costs; competing underwriters file similar or identical schedules. Schedule shown: First National Title Insurance Company (FNTI).
Nebraska title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Nebraska rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Nebraska varies by county and by contract. Not set by the rate manual; customarily split equally between buyer and seller in many Nebraska transactions, though this is a matter of local custom and contract, not statute. 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 $75); 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 Nebraska county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Buffalo County | $236,800 | $679 |
| Dodge County | $188,100 | $583 |
| Douglas County | $245,800 | $697 |
| Hall County | $207,900 | $621 |
| Lancaster County | $258,900 | $723 |
| Lincoln County | $183,100 | $573 |
| Madison County | $196,000 | $597 |
| Platte County | $207,800 | $621 |
| Sarpy County | $287,600 | $781 |
| Scotts Bluff County | $161,400 | $529 |
All 93 Nebraska counties
- Adams County
- Antelope County
- Arthur County
- Banner County
- Blaine County
- Boone County
- Box Butte County
- Boyd County
- Brown County
- Buffalo County
- Burt County
- Butler County
- Cass County
- Cedar County
- Chase County
- Cherry County
- Cheyenne County
- Clay County
- Colfax County
- Cuming County
- Custer County
- Dakota County
- Dawes County
- Dawson County
- Deuel County
- Dixon County
- Dodge County
- Douglas County
- Dundy County
- Fillmore County
- Franklin County
- Frontier County
- Furnas County
- Gage County
- Garden County
- Garfield County
- Gosper County
- Grant County
- Greeley County
- Hall County
- Hamilton County
- Harlan County
- Hayes County
- Hitchcock County
- Holt County
- Hooker County
- Howard County
- Jefferson County
- Johnson County
- Kearney County
- Keith County
- Keya Paha County
- Kimball County
- Knox County
- Lancaster County
- Lincoln County
- Logan County
- Loup County
- Madison County
- McPherson County
- Merrick County
- Morrill County
- Nance County
- Nemaha County
- Nuckolls County
- Otoe County
- Pawnee County
- Perkins County
- Phelps County
- Pierce County
- Platte County
- Polk County
- Red Willow County
- Richardson County
- Rock County
- Saline County
- Sarpy County
- Saunders County
- Scotts Bluff County
- Seward County
- Sheridan County
- Sherman County
- Sioux County
- Stanton County
- Thayer County
- Thomas County
- Thurston County
- Valley County
- Washington County
- Wayne County
- Webster County
- Wheeler County
- York County
Title insurance in Nebraska cities
| City | Median home price | Owner's policy |
|---|---|---|
| Omaha | $230,100 | $667 |
| Lincoln | $248,200 | $703 |
| Bellevue | $230,800 | $667 |
| Grand Island | $202,600 | $611 |
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 Nebraska?
On a $306,700 home, the Nebraska median, an owner's title policy costs about $819 under the filed rate schedule, and the lender's policy issued with it costs $75, so both policies together are about $894. 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 Nebraska?
Who pays for the owner's policy in Nebraska varies by county and by contract. Not set by the rate manual; customarily split equally between buyer and seller in many Nebraska transactions, though this is a matter of local custom and contract, not statute. Source
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 Nebraska?
Yes. Nebraska 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 National Title Insurance Company (FNTI) Nebraska Title Insurance Rates and Rules Manual, effective July 31, 2023 (filed with the Nebraska Department of Insurance under the prior-approval framework of Neb. Rev. Stat. Section 44-1997)
- Who pays for the owner's policy in Nebraska
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 Nebraska 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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