North Carolina Title
Insurance Rates
In North Carolina title insurance rates must be filed with and approved by the Department of Insurance. The North Carolina Rating
Bureau files these rates on behalf of the title industry so that the rates approved are uniform.
New rates filed by the Rating Bureau and became effective March 1, 2020 are as follows:
Standard Rates
Rates For Title Insurance
Insured Closing Letters
Rate Per Thousand
Rate Per Thousand
Up to $100,000
$2.54
Up to $100,000 $0.63
100,001 to 500,000
1.98
$100,001 - $500,000 $0.12
500,001 to 2,000,000
1.29
$500,001 and above, add $0.00
2,000,001 to 7,000,000
0.99
7,000,001 and above
0.69
Additional Rates
The minimum premium for a policy of title insurance shall be $51.00.
Simultaneous Issue Rate: There is a premium of $26.00 for each Loan Policy that is issued simultaneously with an Owner's Policy.
Commitment Premium. A Commitment charge of $15.00 will apply to a Commitments issued for an Owner's Policy, a Loan Policy or an
Owner's Policy that includes a single Loan Policy (ie, a simultaneous issue).
An additional $15.00 premium will be charged for each additional loan that is insured in the same Commitment.
Cancellation of Commitment. There will no commitment fees charged for commitments that are cancelled.
Reissue Rates
When a policy has been issued on Identical Land within fifteen (15) years, the rate shall be 50% of the Regular Rate up to the amount of the
previous policy. Regular title insurance rates shall apply to amounts in excess of the prior policy amount.
When a policy has been issued to a Subdivider/Developer/Builder within fifteen (15) years, the rate shall be 50% of the Regular Rate up to the
sales price of the individual lot, unit, or tract subdivided from the land originally insured.
Endorsement Rates
If any of the following endorsements are requested to be issued, a charge of $21.00 for each endorsement issued will be incurred. The charges
are limited to residential transactions only.
ALTA 5-06 Planned Unit Development (PUD)
ALTA 8.1-06 Environmental Lien Protection
ALTA 9-06 Restrictions, Encroachments, Minerals
North Carolina Title
Insurance Rates
In North Carolina title insurance rates must be filed
with and approved by the Department of Insurance.
The North Carolina Rating Bureau files these rates
on behalf of the title industry so that the rates
approved are uniform.
New rates filed by the Rating Bureau and
became effective March 1, 2020 are as follows:
Standard Rates
Rate Per Thousand
Up to $100,000
$2.54
100,001 to 500,000
1.98
$100,001 - $500,000 $0.12
500,001 to 2,000,000
1.29
2,000,001 to 7,000,000
0.99
7,000,001 and above
0.69
Insured Closing Letters
Rate Per Thousand
Up to $100,000 $0.63
$100,001 - $500,000 $0.12
$500,001 and above, add $0.00
Additional Rates
The minimum premium for a policy of title insurance
shall be $51.00.
Simultaneous Issue Rate
There is a premium of $26.00 for each Loan Policy
that is issued simultaneously with an Owner's Policy.
Commitment Premium
A Commitment charge of $15.00 will apply to a
Commitments issued for an Owner's Policy, a Loan
Policy or an
Owner's Policy that includes a single Loan Policy (ie,
a simultaneous issue).
An additional $15.00 premium will be charged for
each additional loan that is insured in the same
Commitment.
Cancellation of Commitment
There will no commitment fees charged for
commitments that are cancelled.
Reissue Rates
When a policy has been issued on Identical Land
within fifteen (15) years, the rate shall be 50% of the
Regular Rate up to the amount of the previous policy.
Regular title insurance rates shall apply to amounts
in excess of the prior policy amount.
When a policy has been issued to a Subdivider or
Developer/Builder within fifteen (15) years, the rate
shall be 50% of the Regular Rate up to the sales
price of the individual lot, unit, or tract subdivided
from the land originally insured.
Endorsement Rates
If any of the following endorsements are requested
to be issued, a charge of $21.00 for each
endorsement issued will be incurred. The charges
are limited to residential transactions only.
ALTA 5-06 Planned Unit Development (PUD)
ALTA 8.1-06 Environmental Lien Protection
ALTA 9-06 Restrictions, Encroachments, Minerals