Last updated: 2026-04-25
Unsure if your lender’s title insurance is competitive? Run a Fair Loan Check.
Benchmarked against 8,523 real Montana mortgages.
| Range | Low | Typical | High | Flag Above |
|---|---|---|---|---|
| Title Insurance | $1.00/thousand | $2.50/thousand | $4.00/thousand | $6.00/thousand |
Based on Montana closing cost data. Median home price: $465,000. Rates shown per $1,000 of coverage or sale price.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.
Title insurance protects against losses from defects in the property's title — liens, encumbrances, forgery, recording errors, or ownership disputes that existed before you bought the home. There are two policies: the owner's policy (protects you) and the lender's policy (protects the lender, required by your mortgage company).
Title insurance is a one-time premium paid at closing. Costs vary dramatically by state — from under $2 per thousand in regulated states like North Carolina to over $5 per thousand in states like New Jersey. In some states, rates are set by the state insurance department and are non-negotiable. In others, rates are filed by each company and can be shopped.
This fee appears in Section C — Services You Did Shop For of your Closing Disclosure.
The title insurance appears at two stages of the mortgage process — each with its own audit tool.
Before closing · Loan Estimate
Fair Loan Check
You received a Loan Estimate within 3 days of applying. Use this to check whether your title insurance and interest rate are competitive — before you commit to a lender.
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Analyze my Loan Estimate →3 days before closing · Closing Disclosure
Fair Closing Check
You received your Closing Disclosure 3 days before signing. Use this to audit every final fee — including the title insurance — against Montana benchmarks and get a negotiation email.
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Title insurance rates in Montana are regulated by the state and are non-negotiable. All licensed insurers charge the same rate. However, you should still verify the rate matches the official schedule and confirm the simultaneous issue discount is applied.
Montana note
Montana is a file-and-use state regulated by the MT Commissioner of Securities and Insurance under MCA Title 33, Chapter 25. Each underwriter files its own rate schedule. Owner's title insurance cost runs approximately 0.12%–0.25% of sale price; on a $465K home roughly $550–$1,150. Sellers customarily pay both owner's and lender's title insurance in Montana.
Upload your Closing Disclosure to see if your title insurance is fair
Every fee is cross-referenced against Montana benchmarks. Results in 60 seconds.
Rate per thousand significantly exceeds your state's benchmark range
Lender's policy is priced separately at full premium (simultaneous issue discount not applied)
No reissue rate discount offered on a resale property
Agent charges title insurance plus a separate 'title search fee' above $300
Rate does not match the state-regulated schedule (in promulgated-rate states)
See these red flags on your CD? Don't sign yet.
Upload your Closing Disclosure and every line item is audited against Montana benchmarks — in 60 seconds.
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Your lender requires the lender's policy — that's non-negotiable. The owner's policy is technically optional but strongly recommended. It protects your equity if a title defect surfaces after closing. The simultaneous issue discount makes it relatively inexpensive to add.
In file-and-use states (CA, VA, CO, and others), yes — rates vary by company. In promulgated-rate states (TX, FL, OH, NM, NC), all companies charge the same rate, so shopping on price won't help, but you can still compare service quality.
When you purchase both the owner's and lender's title insurance policies at the same time, the lender's policy is issued at a steep discount — often $100 to $200 flat instead of the full premium. Always confirm this discount is applied on your Closing Disclosure.
You have 3 days to review your Closing Disclosure.
Federal law gives you 72 hours to push back before you sign. Every fee is cross-referenced against Montana benchmarks and the negotiation email is drafted for you.
Most buyers find $1,500–$3,000 in negotiable fees.
From $29· Results in 60 seconds