New York Title Insurance Rates

Zone 1 - Effective August 1, 2015

Allegany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Essex, Franklin, Fulton, Genesee, Hamilton, Herkimer, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orleans, Oswego, Otsego, St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Warren, Washington, Wayne, Wyoming and Yates Counties

Amount of InsuranceOwnerLoan
  -  35,000   356.00   299.00  
35,001     -  50,000   356.00 + 7.92 / 1,000     299.00 + 6.61 / 1,000  
50,001     -  100,000     474.80 + 4.94 / 1,000     398.15 + 4.10 / 1,000  
100,001     -  500,000     721.80 + 3.98 / 1,000     603.15 + 3.31 / 1,000  
500,001     -  1,000,000     2,313.80 + 3.56 / 1,000     1,927.15 + 2.96 / 1,000  
1,000,001     -  5,000,000   4,093.80 + 3.25 / 1,000     3,407.15 + 2.71 / 1,000  
5,000,001     -  10,000,000   17,093.80 + 2.96 / 1,000     14,247.15 + 2.47 / 1,000  
10,000,001     -    15,000,000   31,893.80 + 2.76 / 1,000     26,597.15 + 2.31 / 1,000  
  15,000,000     -    45,693.80 + 2.48 / 1,000     38,147.15 + 2.07 / 1,000  
 

Simultaneous Mortgage

When Owners* and Mortgage Policies are being issued pursuant to the same closing, the Mortgage Policy shall be issued at a reduced rate known as the Simultaneous Mortgage Rate.

The Owners* Policy is charged the full Owners Rate and the Simultaneous Mortgage Policy is charged at 30% of the applicable Mortgage Rate up to the amount of the Owners Policy, Any excess is charged at the full Mortgage Rate.

*Owners Policy also applies to Leasehold Policies and Construction Loan Policies,

Refinance/Subordinate Mortgage

A Refinance or Subordinate Mortgage Policy issued within ten years of a previously insured mortgage or fee interest where the premises are identical, there has been no change of ownership, and the amount is less than $250,000 shall be charged 50% of the Mortgage Rate on the liability up to the amount of the existing indebtedness and 100% of the Mortgage Rate on any liability in excess of the existing Indebtedness.

A Refinance or Subordinate Mortgage Policy issued within ten years of a previously insured mortgage or fee interest where the premises are identical, there has been no change of ownership, and the amount is more than $250,000 shall be charged 70% of the Mortgage Rate on the liability up to the amount of the existing Indebtedness and 100% of the Mortgage Rate on any liability in excess of the existing Indebtedness.

Page written November 11, 1998, Last Updated April 5, 2015

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