Title Insurance on a $1,000,000 Home in Texas
An owner's title policy on a $1,000,000 purchase in Texas costs about $5,226, and the lender's policy issued with it about $100, $5,326 for both. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $308).
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $1,027 | $100 | $1,127 |
| $200,000 | $1,274 | $100 | $1,374 |
| $250,000 | $1,521 | $100 | $1,621 |
| $300,000 | $1,768 | $100 | $1,868 |
| $350,000 | $2,015 | $100 | $2,115 |
| $400,000 | $2,262 | $100 | $2,362 |
| $450,000 | $2,509 | $100 | $2,609 |
| $500,000 | $2,756 | $100 | $2,856 |
| $600,000 | $3,250 | $100 | $3,350 |
| $700,000 | $3,744 | $100 | $3,844 |
| $800,000 | $4,238 | $100 | $4,338 |
| $1,000,000 | $5,226 | $100 | $5,326 |
Texas title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Texas rate schedule.
Who pays
Who pays for the owner's policy in Texas is negotiable in the purchase contract. Source
Frequently asked questions
How much is title insurance on a $1,000,000 house in Texas?
About $5,226 for the owner's policy and $100 for the lender's policy when both are issued at closing, $5,326 in total, computed from the Texas rate schedule. The owner's policy premium comes from the rate table in the filed manual (a fixed dollar amount per price bracket, minimum $308).
Who pays for title insurance in Texas?
Who pays for the owner's policy in Texas is negotiable in the purchase contract. Source
Sources
- Texas Department of Insurance, Commissioner's Order No. 2025-9697, Title Insurance Basic Premium Rates (Exhibit A), effective March 1, 2026
- Who pays for the owner's policy in Texas
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.
Texas title insurance overview → All Texas buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Texas title insurance