Most buyers assume title insurance costs are the same no matter where they go. And in many ways… they are. In New York, title insurance premiums are filed through TIRSA, and all underwriters use the same policy forms and standard discounts. But there’s one key difference that can impact what you actually pay. In this week’s Title Tuesday, we break down: • How title insurance pricing works in New York • What a filed rate means • Where real savings can come from • And why consistency and compliance matter At Thoroughbred Title, one of our underwriters has filed a 10% deviation from the standard rate — meaning, when applicable, buyers can benefit from lower premiums without changing coverage. And if you want to see how that impacts your transaction, you can use our rate calculator to generate a custom estimate.
