Title Insurance on a $300,000 Home in West Virginia
An owner's title policy on a $300,000 purchase in West Virginia costs about $1,070, and the lender's policy issued with it about $100, $1,170 for both. The owner's policy rate is $3.90 per $1,000 up to $100,000, $3.40 per $1,000 from $100,000 to $500,000, $3 per $1,000 from $500,000 to $5,000,000, $2 per $1,000 from $5,000,000 to $10,000,000, $1.75 per $1,000 from $10,000,000 to $20,000,000, $1 per $1,000 above $20,000,000, with a minimum premium of $200.
Nearby prices
| Purchase price | Owner's policy | Lender's policy (issued together) | Both policies |
|---|---|---|---|
| $150,000 | $560 | $100 | $660 |
| $200,000 | $730 | $100 | $830 |
| $250,000 | $900 | $100 | $1,000 |
| $300,000 | $1,070 | $100 | $1,170 |
| $350,000 | $1,240 | $100 | $1,340 |
| $400,000 | $1,410 | $100 | $1,510 |
| $450,000 | $1,580 | $100 | $1,680 |
| $500,000 | $1,750 | $100 | $1,850 |
| $600,000 | $2,050 | $100 | $2,150 |
| $700,000 | $2,350 | $100 | $2,450 |
| $800,000 | $2,650 | $100 | $2,750 |
| $1,000,000 | $3,250 | $100 | $3,350 |
West Virginia title insurance calculator
Enter a purchase price to see the owner's and lender's policy premiums from the filed West Virginia rate schedule.
Who pays
Who pays for the owner's policy in West Virginia is negotiable in the purchase contract. Several closing-cost guides say the buyer customarily pays both the owner's and lender's premiums, while at least one says the seller often pays the owner's policy. The purchase contract controls; no state law assigns it. Source
Frequently asked questions
How much is title insurance on a $300,000 house in West Virginia?
About $1,070 for the owner's policy and $100 for the lender's policy when both are issued at closing, $1,170 in total, computed from the West Virginia rate schedule. The owner's policy rate is $3.90 per $1,000 up to $100,000, $3.40 per $1,000 from $100,000 to $500,000, $3 per $1,000 from $500,000 to $5,000,000, $2 per $1,000 from $5,000,000 to $10,000,000, $1.75 per $1,000 from $10,000,000 to $20,000,000, $1 per $1,000 above $20,000,000, with a minimum premium of $200.
Who pays for title insurance in West Virginia?
Who pays for the owner's policy in West Virginia is negotiable in the purchase contract. Several closing-cost guides say the buyer customarily pays both the owner's and lender's premiums, while at least one says the seller often pays the owner's policy. The purchase contract controls; no state law assigns it. Source
Sources
- Stewart Title Guaranty Company, Schedule of Charges for the State of West Virginia, effective 08/25/2023
- Who pays for the owner's policy in West Virginia
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.
West Virginia title insurance overview → All West Virginia buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
West Virginia title insurance