Tennessee Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $392,100 Tennessee home costs about $2,250, and the lender's policy issued with it about $50, under the filed rate schedule. The owner's policy rate is $200 per $1,000 up to $1,000, $6.50 per $1,000 from $1,000 to $100,000, $4.80 per $1,000 from $100,000 to $500,000, $3.15 per $1,000 from $500,000 to $1,000,000, $2.10 per $1,000 from $1,000,000 to $5,000,000, $1.60 per $1,000 from $5,000,000 to $10,000,000, $1.35 per $1,000 from $10,000,000 to $15,000,000, $0 per $1,000 above $15,000,000, with a minimum premium of $200 (the price is rounded up to the next $1,000).
Tennessee title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $1,084 | $50 | $1,134 |
| $200,000 | $1,324 | $50 | $1,374 |
| $250,000 | $1,564 | $50 | $1,614 |
| $300,000 | $1,804 | $50 | $1,854 |
| $350,000 | $2,044 | $50 | $2,094 |
| $400,000 | $2,284 | $50 | $2,334 |
| $450,000 | $2,524 | $50 | $2,574 |
| $500,000 | $2,764 | $50 | $2,814 |
| $600,000 | $3,079 | $50 | $3,129 |
| $700,000 | $3,394 | $50 | $3,444 |
| $800,000 | $3,709 | $50 | $3,759 |
| $1,000,000 | $4,339 | $50 | $4,389 |
Tennessee uses filed rates: each underwriter files its own rate manual with the state insurance department, so premiums differ by a few hundred dollars from one title company to another. The schedule below is one underwriter's filed rate. Schedule shown: Stewart Title Guaranty Company.
Tennessee title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Tennessee rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Tennessee is negotiable in the purchase contract. 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 Tennessee county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Davidson County | $386,600 | $2,221 |
| Hamilton County | $282,100 | $1,722 |
| Knox County | $279,700 | $1,708 |
| Montgomery County | $248,300 | $1,559 |
| Rutherford County | $346,400 | $2,029 |
| Shelby County | $229,700 | $1,468 |
| Sullivan County | $190,800 | $1,280 |
| Sumner County | $364,000 | $2,111 |
| Williamson County | $673,700 | $3,312 |
| Wilson County | $397,000 | $2,269 |
All 95 Tennessee counties
- Anderson County
- Bedford County
- Benton County
- Bledsoe County
- Blount County
- Bradley County
- Campbell County
- Cannon County
- Carroll County
- Carter County
- Cheatham County
- Chester County
- Claiborne County
- Clay County
- Cocke County
- Coffee County
- Crockett County
- Cumberland County
- Davidson County
- Decatur County
- DeKalb County
- Dickson County
- Dyer County
- Fayette County
- Fentress County
- Franklin County
- Gibson County
- Giles County
- Grainger County
- Greene County
- Grundy County
- Hamblen County
- Hamilton County
- Hancock County
- Hardeman County
- Hardin County
- Hawkins County
- Haywood County
- Henderson County
- Henry County
- Hickman County
- Houston County
- Humphreys County
- Jackson County
- Jefferson County
- Johnson County
- Knox County
- Lake County
- Lauderdale County
- Lawrence County
- Lewis County
- Lincoln County
- Loudon County
- Macon County
- Madison County
- Marion County
- Marshall County
- Maury County
- McMinn County
- McNairy County
- Meigs County
- Monroe County
- Montgomery County
- Moore County
- Morgan County
- Obion County
- Overton County
- Perry County
- Pickett County
- Polk County
- Putnam County
- Rhea County
- Roane County
- Robertson County
- Rutherford County
- Scott County
- Sequatchie County
- Sevier County
- Shelby County
- Smith County
- Stewart County
- Sullivan County
- Sumner County
- Tipton County
- Trousdale County
- Unicoi County
- Union County
- Van Buren County
- Warren County
- Washington County
- Wayne County
- Weakley County
- White County
- Williamson County
- Wilson County
Title insurance in Tennessee cities
| City | Median home price | Owner's policy |
|---|---|---|
| Nashville-Davidson | $383,100 | $2,207 |
| Memphis | $157,100 | $1,122 |
| Knoxville | $214,000 | $1,391 |
| Chattanooga | $259,200 | $1,612 |
| Clarksville | $236,100 | $1,501 |
| Murfreesboro | $365,100 | $2,120 |
| Franklin | $646,300 | $3,227 |
| Johnson City | $238,000 | $1,506 |
| Jackson | $195,000 | $1,300 |
| Hendersonville | $396,500 | $2,269 |
All 15 Tennessee 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 Tennessee?
On a $392,100 home, the Tennessee median, an owner's title policy costs about $2,250 under the filed rate schedule, and the lender's policy issued with it costs $50, so both policies together are about $2,300. 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 Tennessee?
Who pays for the owner's policy in Tennessee is negotiable in the purchase contract. 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 Tennessee?
Yes. Tennessee 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
- Stewart Title Guaranty Company, Schedule of Charges and Forms for Title Insurance in the State of Tennessee, Schedule G (Davidson County), last updated 2/4/2022
- Who pays for the owner's policy in Tennessee
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 Tennessee 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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