Vermont Title Insurance Cost: What an Owner's and Lender's Policy Costs
An owner's title insurance policy on a $438,400 Vermont home costs about $1,524, and the lender's policy issued with it about $100, under the filed rate schedule. The owner's policy rate is $5.20 per $1,000 up to $50,000, $3.25 per $1,000 from $50,000 to $1,000,000, $0 per $1,000 above $1,000,000, with a minimum premium of $250 (the price is rounded up to the next $1,000).
Vermont title insurance by purchase price
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $585 | $100 | $685 |
| $200,000 | $748 | $100 | $848 |
| $250,000 | $910 | $100 | $1,010 |
| $300,000 | $1,073 | $100 | $1,173 |
| $350,000 | $1,235 | $100 | $1,335 |
| $400,000 | $1,398 | $100 | $1,498 |
| $450,000 | $1,560 | $100 | $1,660 |
| $500,000 | $1,723 | $100 | $1,823 |
| $600,000 | $2,048 | $100 | $2,148 |
| $700,000 | $2,373 | $100 | $2,473 |
| $800,000 | $2,698 | $100 | $2,798 |
| $1,000,000 | $3,348 | $100 | $3,448 |
Vermont 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: First National Title Insurance Company (FNTI).
Vermont title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed Vermont rate schedule.
Who pays for the owner's policy
Who pays for the owner's policy in Vermont is negotiable in the purchase contract. Not addressed in the rate manual itself; Vermont has no statute located assigning the owner's premium.
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 $100); 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 Vermont county is in the list below.
| County | Median home price | Owner's policy |
|---|---|---|
| Addison County | $333,700 | $1,183 |
| Bennington County | $257,400 | $936 |
| Caledonia County | $215,900 | $800 |
| Chittenden County | $404,500 | $1,414 |
| Franklin County | $285,500 | $1,027 |
| Orange County | $251,000 | $913 |
| Rutland County | $218,400 | $809 |
| Washington County | $293,900 | $1,053 |
| Windham County | $265,100 | $962 |
| Windsor County | $267,400 | $969 |
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 Vermont?
On a $438,400 home, the Vermont median, an owner's title policy costs about $1,524 under the filed rate schedule, and the lender's policy issued with it costs $100, so both policies together are about $1,624. 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 Vermont?
Who pays for the owner's policy in Vermont is negotiable in the purchase contract. Not addressed in the rate manual itself; Vermont has no statute located assigning the owner's premium.
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 Vermont?
Yes. Vermont 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
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 Vermont 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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