New Jersey Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $545,300 New Jersey home costs about $2,350, and the lender's policy issued with it about $25, under the filed rate schedule. The owner's policy rate is $5.25 per $1,000 up to $100,000, $4.25 per $1,000 from $100,000 to $500,000, $2.75 per $1,000 from $500,000 to $2,000,000, $2 per $1,000 above $2,000,000, with a minimum premium of $200.
New Jersey title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $738 | $25 | $763 |
| $200,000 | $950 | $25 | $975 |
| $250,000 | $1,163 | $25 | $1,188 |
| $300,000 | $1,375 | $25 | $1,400 |
| $350,000 | $1,588 | $25 | $1,613 |
| $400,000 | $1,800 | $25 | $1,825 |
| $450,000 | $2,013 | $25 | $2,038 |
| $500,000 | $2,225 | $25 | $2,250 |
| $600,000 | $2,500 | $25 | $2,525 |
| $700,000 | $2,775 | $25 | $2,800 |
| $800,000 | $3,050 | $25 | $3,075 |
| $1,000,000 | $3,600 | $25 | $3,625 |
New Jersey 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: New Jersey Land Title Insurance Rating Bureau (rates approved by the NJ Commissioner of Banking and Insurance; used by all major underwriters).
New Jersey title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed New Jersey rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in New Jersey is negotiable in the purchase contract. The Rating Bureau's manual sets premiums, not who pays; New Jersey custom (which commonly has the buyer pay) and the purchase contract decide, and it is not set by 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 $25); 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 New Jersey county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Bergen County | $593,200 | $2,481 |
| Camden County | $262,200 | $1,214 |
| Essex County | $494,400 | $2,201 |
| Hudson County | $508,600 | $2,249 |
| Middlesex County | $439,300 | $1,967 |
| Monmouth County | $566,500 | $2,408 |
| Morris County | $557,000 | $2,382 |
| Ocean County | $366,600 | $1,658 |
| Passaic County | $439,400 | $1,967 |
| Union County | $488,800 | $2,177 |
All 21 New Jersey counties
Title insurance in New Jersey cities
| City | Median home price | Owner's policy |
|---|---|---|
| Newark | $337,800 | $1,536 |
| Jersey City | $534,500 | $2,320 |
| Paterson | $335,400 | $1,525 |
| Elizabeth | $393,500 | $1,772 |
| Toms River | $377,800 | $1,706 |
| Trenton | $122,500 | $621 |
| Clifton | $444,300 | $1,988 |
| Camden | $100,400 | $527 |
| Bayonne | $446,100 | $1,996 |
| Lakewood | $618,400 | $2,551 |
All 19 New Jersey cities over 50,000 people
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 New Jersey?
On a $545,300 home, the New Jersey median, an owner's title policy costs about $2,350 under the filed rate schedule, and the lender's policy issued with it costs $25, so both policies together are about $2,375. 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 New Jersey?
Who pays for the owner's policy in New Jersey is negotiable in the purchase contract. The Rating Bureau's manual sets premiums, not who pays; New Jersey custom (which commonly has the buyer pay) and the purchase contract decide, and it is not set by 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 New Jersey?
Yes. New Jersey 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
- New Jersey Land Title Insurance Rating Bureau, Manual of Rates and Charges, dated effective September 1, 2019 (this filed schedule remained in force as of the 2026 read; data/closing/new-jersey.json's source note describes the same figures as 'current schedule effective 11/1/2023', likely a later re-filing/re-approval of the identical rates rather than a rate change)
- Who pays for the owner's policy in New Jersey
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 New Jersey 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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