Title Insurance for Connecticut Real Estate.

Real Estate Broker/Owner with DMK Real Estate Ct RE Broker 0789963

Title Insurance for Connecticut Real Estate.

Title Insurance is a onetime purchase when purchasing a home or refinancing a mortgage that covers losses that may result from defects in the title. These policies insure that a property is free and clear of liens, mortgages or other claims against the property.

A “title search” is a search usually done by an attorney or a title searcher who will review the records of the property at the town clerk’s office and should reveal any liens, judgments, restrictions, easements or anything else attached to the property.

Title insurance is offered to mortgage lenders and property owners to protect against losses if there are defects in the title.

The premium for Lender’s is based on the amount of the loan.

The premium for Owners is based on the purchase price.

When purchasing the Owner’s policy the lender’s policy is included.

Title Insurers have to file with the state commissioner their premium rates and also make it available to the public.

In Connecticut title insurance agents are allowed to receive up to a 60% commission on the title insurance fee, usually your attorney is the title insurance agent. Nation wide on average this is a low fee for agents.

When refinancing a mortgage you only need to get a new title insurance policy for the new mortgage, your original Owner’s policy bought at the original closing remains in effect as long as the person or heir has an interest in the property. On a refinance the insurance company here in Connecticut usually offers a discounted rate on the new lender’s policy.


I did a little research with the following companies who have title insurance calculators on line and here are the rates I got if you were buying a $1,000,000 home with a $500,000 mortgage all basic policies.

CATIC                               mortgage policy   $1530                 combined mortgage and owner   $3190  

First American Title             mortgage policy   $1530                 combined mortgage and owner   $3190  

Old Republic                      mortgage policy   $1530                 combined mortgage and owner   $2990

Fidelity Title                       mortgage policy   $1530                 combined mortgage and owner   $2990  


If you were refinancing the $500,000 loan the average discount mortgage title insurance policy was priced at $918.

Another website that might help you find comparable rates in your area is http://www.closing.com/search/TitleInsurance . When I ran the above scenario I got over a dozen comparisons for combined mortgage and owner all priced at $2900 with local contact information.


Information source:-

 FAQ ? link ~  http://www.cga.ct.gov/2008/rpt/2008-R-0395.htm

Attorney's website basic infor ~ http://www.bhhlegal.com/real_estate_faq.aspx#3

General Statutes of Connecticut ~ Title Insurance.

American Land Title Association, ALTA



David Popoff is a Connecticut license real estate agent in lower Fairfield County. He has lived and worked in the area for over 30 years and now reside in Darien since 2004.

  • Member of the Multiple Listing Service, MLS.
    • Darien
    •  Greenwich
    •  Greater Fairfield County
  • Member of the Connecticut Association of Realtors, CAR.
  • Member of the National Association of Realtors, NAR.
  • Green Affiliations.
    • Realtor GREEN designation by the National Association of Realtors.
    • David Popoff is an accredited LEED Accredited Professional (LEED AP) Homes and USGBC member of the Connecticut chapter (CTGBC).  
    • Associate member and an accredited Certified Green Professional (CGP) of National Association of Home Builders (NAHB) and the local chapter HBRA-Fairfield County, Ct. .
  • Contact David Popoff at William Pitt Sotheby’s for all your real estate needs in Darien, Greenwich, New Canaan, Rowayton and the rest of lower Fairfield County.


Posted by

David Popoff
Connecticut Licensed Real Estate Broker
Realtor® Green
Seller Representative Specialist
Accredited Buyer Representative


DMK Real Estate, Darien, CT.
Cell (203) 228-0646




DMK Realty, 06820 





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Chris Smith
Re/Max Chay Realty Inc., Brokerage - New Tecumseth, ON
South Simcoe, Caledon, King, Orangeville Real Esta
David, very enlightening. Title insurance is common up here now, but I did not know the commissions were so high
Jun 22, 2012 02:20 AM #1
Conrad Allen
Re/Max Professional Associates - Webster, MA
Webster, Ma, Realtor

Hi David.  Title insurance is a rip off.  Why two policies?  You only need one fire insurance policy.

Jun 22, 2012 09:15 PM #2
Ginny Gorman
RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate - North Kingstown, RI
Homes for Sale in North Kingstown RI and beyond

hmm, great information David...i would never advise a client not to get title insurance...on a foreclosure always.

Jun 26, 2012 10:01 PM #3
Kenneth Cole
Weichert Realtors Appleseed Group, 2043 Richmond Ave. S.I.N.Y. 10314. office phone 718-698-9797, Appleseedhomes.com... - Staten Island, NY
NYS Licensed Real Estate Salesperson

And ask your attorney if it has been properly filed with the county clerk.  If not it's almost worthless.

Jun 29, 2012 02:36 AM #4
Shannon Milligan, Richmond VA Real Estate Agent/Associate Broker
RVA Home Team - Richmond, VA
RVA Home Team - Winning with Integrity.

Good information on what title insurance is and how it protects a new home owner.

Have a nice day!

Jul 04, 2012 04:17 AM #5
Endre Barath, Jr.
Berkshire Hathaway HomeServices - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

David, very interesting here in California we have Title Reps who get the commission and they are very involved with the Recording process in conjunction with the Escrow Officer.

Jul 07, 2012 09:39 AM #6
David Popoff
DMK Real Estate - Darien, CT
Realtor®,SRS, Green ~ Fairfield County, Ct

These AR posts are great references, I just fwd to a client  :-)

Nov 20, 2012 10:55 PM #7
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David Popoff

Realtor®,SRS, Green ~ Fairfield County, Ct
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