Nevada Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $468,900 Nevada home costs about $1,874, and the lender's policy issued with it about $50, under the filed rate schedule. The owner's policy rate is a flat $536 up to $50,000, $4.80 per $1,000 from $50,000 to $100,000, $3.60 per $1,000 from $100,000 to $200,000, $3.32 per $1,000 from $200,000 to $300,000, $2.40 per $1,000 from $300,000 to $1,000,000, $2.12 per $1,000 from $1,000,000 to $3,000,000, $1.66 per $1,000 above $3,000,000, with a minimum premium of $380 (the price is rounded up to the next $1,000).
Nevada title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $956 | $50 | $1,006 |
| $200,000 | $1,137 | $50 | $1,187 |
| $250,000 | $1,303 | $50 | $1,353 |
| $300,000 | $1,468 | $50 | $1,518 |
| $350,000 | $1,589 | $50 | $1,639 |
| $400,000 | $1,709 | $50 | $1,759 |
| $450,000 | $1,829 | $50 | $1,879 |
| $500,000 | $1,949 | $50 | $1,999 |
| $600,000 | $2,189 | $50 | $2,239 |
| $700,000 | $2,429 | $50 | $2,479 |
| $800,000 | $2,669 | $50 | $2,719 |
| $1,000,000 | $3,150 | $50 | $3,200 |
Nevada 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: Nevada Division of Insurance filed schedule (statewide Basic Schedule of Rates for Title Insurance, all counties).
Nevada title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Nevada rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Nevada is negotiable in the purchase contract. The rate manual sets premiums only, not who pays; Nevada custom (which party pays commonly varies by county, e.g. Clark/Washoe vs rural counties) and the purchase contract decide. 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 $50); 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 Nevada county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Carson City | $426,700 | $1,774 |
| Churchill County | $298,000 | $1,462 |
| Douglas County | $587,400 | $2,160 |
| Elko County | $282,400 | $1,412 |
| Humboldt County | $256,800 | $1,326 |
| Lyon County | $342,600 | $1,572 |
| Nye County | $266,000 | $1,356 |
| Pershing County | $166,200 | $1,018 |
| Washoe County | $496,600 | $1,942 |
| White Pine County | $196,700 | $1,126 |
Title insurance in Nevada cities
| City | Median home price | Owner's policy |
|---|---|---|
| Las Vegas | $395,300 | $1,699 |
| Henderson | $465,000 | $1,865 |
| North Las Vegas | $372,300 | $1,644 |
| Reno | $498,600 | $1,946 |
| Enterprise | $449,300 | $1,829 |
| Spring Valley | $407,900 | $1,728 |
| Sunrise Manor | $290,900 | $1,439 |
| Paradise | $358,400 | $1,610 |
| Sparks | $455,900 | $1,843 |
| Carson City | $426,700 | $1,774 |
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 Nevada?
On a $468,900 home, the Nevada median, an owner's title policy costs about $1,874 under the filed rate schedule, and the lender's policy issued with it costs $50, so both policies together are about $1,924. 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 Nevada?
Who pays for the owner's policy in Nevada is negotiable in the purchase contract. The rate manual sets premiums only, not who pays; Nevada custom (which party pays commonly varies by county, e.g. Clark/Washoe vs rural counties) and the purchase contract decide. 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 Nevada?
Yes. Nevada 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
- Nevada Title Insurance Rates and Charges - Application and Schedule of Rates, effective January 10, 2026 (filed rate manual hosted by the Nevada Division of Insurance's own document repository, applicable in all Nevada counties)
- Who pays for the owner's policy in Nevada
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 Nevada 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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