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How To Obtain
Title Insurance

It's important to note that title insurance rates are regulated in Pennsylvania to ensure consistency across agents. By selecting a reputable title insurer and understanding the premium regulations, you can obtain the necessary protection for your property's title with confidence. Be sure to review the terms of the policy and ask any questions you may have during the process.

Express Your Interest:

Inform your realtor that you want to purchase an Owner's Title Insurance Policy.

Premium Regulations in Pennsylvania:

In Pennsylvania, the Title Insurance Rating Bureau of Pennsylvania (TIRBOP) and the Pennsylvania Department of Insurance control the premiums that title insurance agents can charge for policies.

Policy Amount Requirements:

The policy amount must generally be equal to the purchase price or the mortgage amount, with limited exceptions.

Select a Title Insurer:

Choose a title insurance company with experience and financial strength to provide reliable protection.

One-Time Premium Payment:

Title insurance involves a one-time premium payment, typically made at the closing of the real estate transaction.

Limited Exception:

There may be limited exceptions to the general rule about policy amounts, and these details should be clarified during the purchasing process.

Consider Financial Strength:

Look for a company with the financial capacity to safeguard your interests. For example, Crescita Abstract, LLC writes title insurance for Old Republic Title Insurance Company, known for being one of the largest and most financially secure title insurance companies in America.

Rate Based on Purchase Price:

The rate for the title insurance premium depends on the purchase price of the property.

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