Title Insurance Premiums Rose Throughout 2025
Homeowners who refinanced or bought property in 2025 faced higher title insurance costs as market activity increased.
Updated on Oct. 5, 2026 in Residential
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Title insurance premiums in the United States increased by 13% throughout 2025. This growth followed a rise in refinancing activity as mortgage rates declined over the year.
Why it matters
Higher premium volume reflects a rebound in refinancing and commercial loan activity that occurred as mortgage rates shifted in 2025. Despite these gains, home affordability remains a significant challenge for many families navigating the current real estate market.
The title insurance industry recorded an underwriting gain of $1 billion and $1.2 billion in net income for 2025. These figures track against a market environment where refinancing demand spiked during the latter half of the year.
The players
AM Best
A global credit rating agency and source of financial data that monitors the health and stability of the insurance sector.
The details
Title insurance premiums typically scale with the volume of mortgage originations. When homeowners choose to refinance, they often secure new title policies, which drove the 13% increase in premiums for 2025. Additionally, a surge in commercial loan originations during the second half of the year provided further momentum to the industry's bottom line.
Timeline
2025: US title insurance premiums increased by 13%.
H2 2025: Loan originations drove premium growth.
Q1 2026: Direct premiums written increased by 18% compared to the same period in 2025.
2026: AM Best maintained a negative outlook for the segment.
2027: AM Best plans to evaluate the industry outlook.
The Home Front
The rise in premiums highlights how closely title insurance costs track with broader mortgage interest rate trends. This segment follows a established historical pattern linking increased refinancing activity to higher title insurance premiums.
Review your closing documents from any recent refinancing or home purchase to understand your specific title insurance fees. If you are planning a future transaction, consult with a licensed real estate attorney or agent to compare title insurance costs and potential discounts in your area.
The takeaway
Title insurance remains a sensitive indicator of broader mortgage market activity and homeowner refinancing behavior. Keep copies of your initial policy and any endorsements in your permanent home records, as these documents are essential for proving ownership if title issues arise during future sales.
Further reading
For more information on housing costs and market shifts, visit the Residential section.
More information
View the complete AM Best market segment report for deeper financial analysis.
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