North Carolina Title Insurance Rate Changes
Effective October 1, 2025

 

*Policies are always calculated from the higher of the two amounts (Owner amount or Lender amount) and they are always rounded up to the nearest thousand. ($31,005 would be rounded to $32,000)

The Premium for the issuance of a Commitment is $16.50.

Simultaneous Issue of Owner's and Loan Policies, each $28.50.

The minimum premium for Regular Rates and Reissue Rates shall be $56.00

Regular Title Insurance Rates for a Lender's and/or an Owner's Policy
Per Thousand
Up to $100,000 .......................................$2.78
$100,001 to $500,000, add .....................$2.17
$500,001 to $2,000, 000, add .................$1.41
$2,000,001 to $7,000,000, add ...............$1.08
$7,000,001 and above, add ....................$0.75

Equity Master, Master Home Equity Loan Policy, FACT, ALTA Residential Limited Coverage (Junior Loan) or Other Similar Limited Coverage Policies:
(Policy amount shall not exceed $500,000.)
Policy Amount Premium
Up to $100,000 ..................................$ 60.00
$100,001 to $250,000 ........................$ 88.00
$250,001 to $500,000 ........................$183.00

Closing Services Insurance: (Rate Per Thousand)
Up to $100,000 ......................................$0.69
$100,001 to $500,000, add ....................$0.13   
$500,001 and above, add ......................$0.00

Residential Endorsements

For Residential Transactions only, an Endorsement Premium in the amount of $23.00 shall be charged for each of the following ALTA Endorsements:

  • ALTA Endorsement 5 (Planned Unit Development)
  • ALTA Endorsement 8.1 (Environmental Protection)
  • ALTA Endorsement 9 (Restrictions, Encroachments, Minerals)

Prior Policy Rates:

Prior on Identical Property within fifteen (15) years:
50% of the Regular Rate up to the amount of the Prior Policy then Regular Rates for coverage amounts in excess of the Prior Policy amount. Prior Policy must be provided to the Insurer.

Prior Policy to a Subdivider/Developer/Builder within fifteen (15) years:
50% of the Regular Rate up to the sales price of the individual lot, unit, or tract subdivided from the Land originally insured. Prior Policy must be provided to the Insurer.

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