Maximum coverage: $5,000,000
Estimated Premium
Need title insurance for your closing?
We arrange title insurance as part of your real estate transaction.
Estimated premiums are approximate and based on publicly available Ontario residential title insurance rates. Actual premiums are determined at the time of ordering and may vary by insurer. This calculator is for informational purposes only.
How title insurance works
What is Title Insurance?
Title insurance protects property owners and lenders against losses related to the property's title (legal ownership). It covers issues like title defects, fraud, encroachments, and zoning violations that may not be discovered in a standard title search.
Owner vs. Lender Policy
Owner policy: Protects the buyer's equity in the property. Lasts as long as you own the home.
Lender policy: Protects the mortgage lender's interest. Required by most lenders.
Both: Purchasing both together is significantly cheaper than buying them separately — the second policy adds only ~$54.
House vs. Condo
Condominiums have lower premiums (roughly 30% less) because the condominium corporation's common elements insurance covers some risks that freehold properties must insure individually.
One-Time Premium
Unlike other types of insurance, title insurance is a one-time payment at closing — there are no annual renewal fees.
Quick Reference — Estimated Premiums (Both Policies)
| Purchase Price | House (Freehold) | Condominium |
|---|---|---|
| $400,000 | $496 | $275 |
| $500,000 | $496 | $275 |
| $600,000 | $593 | $372 |
| $700,000 | $690 | $469 |
| $800,000 | $787 | $566 |
| $900,000 | $884 | $663 |
| $1,000,000 | $982 | $761 |
| $1,500,000 | $1,468 | $1,247 |
| $2,000,000 | $1,954 | $1,733 |
Resale purchase, institutional lender, owner + lender policies combined. Premiums are one-time, paid at closing. Estimates only — actual premiums may vary.
