§Private-client title agency · Metro Atlanta

Title, handled with quiet precision.

Your home is likely the most valuable thing you’ll ever own. An owner’s title insurance policy protects your ownership of it. Estimate your premium in seconds below.

Protects you, not just your lender
One premium, paid once, at closing
Published rates. No sign-up, nothing saved.

Owner’s Title Policy · Premium Estimate

Atlanta Metro Title rate schedule

Purchase price

Enter the purchase price, which is the policy’s liability amount. Estimates are available up to $9,999,999.

Estimated owner’s premium

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Covers — of ownershipOne-time cost — of the priceEffective rate —

How the premium scales

Purchase prices to $1M · hover to explore, click to set a price

A traditional two-story home with a front porch, winding walk and mature trees

§ IWhy it matters

Your home deserves its own protection.

If you finance your home, your lender will require a lender’s policy, but that policy protects the lender’s loan, not your equity. An owner’s policy is the only title coverage that protects you.

i.
Protects your ownershipCovered title defects that surface after closing, up to the purchase price.
ii.
Paid onceA single premium at closing. No annual bills, no renewals.
iii.
Lasts as long as you ownCoverage continues for as long as you hold title to the property.

Lender’s policy vs. owner’s policy
	Lender’s policy	Owner’s policy
Protects	The lender’s loan	You and your ownership
Coverage amount	The loan amount	The purchase price
How long	Until the loan is paid off or refinanced	As long as you own the property
Required?	Typically required by lenders	Optional, and your only title protection
Cash purchase	None (no loan)	Your only title coverage

On a $750,000 home, the owner’s premium is $3,477.50, paid once, about 0.46% of the purchase price.

Calculate yours

§ IICovered risks

What an owner’s policy protects.

A title search looks backward through the public record. An owner’s policy protects you against covered problems the record didn’t reveal, for as long as you own the property, for a one-time premium paid at closing.

Forgery & fraud

A forged signature or fraudulent conveyance somewhere in the chain of title.

ii.

Unknown heirs

A previously unknown heir or claimant asserting an interest in the property.

iii.

Record errors

Mistakes in recording, indexing or legal descriptions in the public record.

iv.

Undisclosed liens

Covered liens or judgments against a prior owner that surface after closing.

Defective documents

Deeds signed without proper authority, capacity or execution.

vi.

Defense of your title

The cost of defending a covered claim against your ownership.

Coverage is subject to the terms, conditions, exceptions and exclusions of the policy issued.

§ IIIThe rate schedule

How your premium is built.

Your owner’s premium is calculated in tiers. Each portion of the purchase price is charged at its own rate per $1,000, and the portions are added together. A small purchase pays at least the minimum premium.

First $100,000

The first portion of every purchase price.

$5.50per $1,000

$100,001 – $500,000

The next $400,000 of the purchase price.

$4.85per $1,000

Above $500,000

Every dollar of the purchase price over $500,000.

$3.95per $1,000

Minimum premium

Applies when the tiered total would be less than $200.

$200minimum

Worked example: on a $750,000 purchase, the premium is $550.00 on the first $100,000, plus $1,940.00 on the next $400,000, plus $987.50 on the remaining $250,000, for an estimated owner’s premium of $3,477.50.

§ IVHow a closing runs

A measured, prepared process.

Every file should feel organized, protected and closing-ready, from the first email to the recorded deed.

1
Open the order
Send the contract and key details. We confirm receipt within one business day.
2
We prepare the file
Title search, review and coordination, quietly handled and kept closing-ready.
3
Clear communication
Calm updates on timing, responsibilities and outstanding items. No surprises.
4
A managed closing
Prepared documents and a closing experience that feels controlled and complete.

§ VServices

Purchases and refinances.

Responsive title service with a calm, private-client approach, built for complex files and discerning clients.

Purchase

For buyers, sellers and their agents

Title search, examination & curative work
Owner’s & lender’s title insurance
Escrow, earnest money & disbursement
Closing coordination, recording & follow-through

Refinance

For homeowners and lenders

Efficient updated title searches
New lender’s title coverage, prepared and reviewed
Lender coordination for refinance files
Document preparation & review

All services

§ VIFor agents & lenders

A polished partner kit.

Overview sheets, approved referral language, disclosure instructions and email templates, so partners never have to improvise.

See the partner kit

§Questions

Owner’s title insurance, plainly answered.

Isn’t the lender’s policy enough?

No. A lender’s policy protects the lender’s interest up to the loan amount. It doesn’t protect your equity or your ownership. Only an owner’s policy does.

Is owner’s title insurance required?

It’s optional. Lenders typically require a lender’s policy, but the owner’s policy is your choice. Because it’s paid once and protects you for as long as you own the property, most buyers consider it essential.

I’m paying cash. Do I still need it?

A cash purchase has no lender’s policy at all, so an owner’s policy is the only title protection on the transaction.

A title search was done. Why insure?

A search reviews the public record. Some defects never appear there, such as forgery, an unknown heir or a recording error. An owner’s policy protects against covered problems like these, including the cost of defending your title.

How much does it cost?

It depends on the purchase price. Use the rate calculator for an instant estimate from our published schedule.