How Title Insurance Differs State by State

How Title Insurance Differs State by State

If you’re buying property in the U.S., you might assume title insurance works the same everywhere. In reality, laws, fees, and processes can vary dramatically depending on the state where the property is located.

At Arizona Premier Title, we know that understanding these differences can help you avoid surprises and make smarter real estate decisions.

Regulation and Premiums

  • Regulated States – In some states, like Texas and Florida, title insurance rates are set by the state. Every title company charges the same premium for the same coverage.

  • Market‑Based States – In other states, premiums and service fees can vary between title companies, so buyers and sellers may shop around for the best value.

Who Handles the Closing?

  • Attorney States – In states like Georgia, South Carolina, and parts of the Northeast, real estate attorneys typically handle closings and issue title insurance.

  • Title Company States – In states like Arizona, California, and Nevada, title companies manage the closing process, from escrow to issuing the final policy.

Who Chooses the Title Company?

  • In some states, the buyer chooses.

  • In others, the seller traditionally selects.

  • In a few areas, it’s negotiated as part of the purchase contract.

Why Knowing Local Rules Matters

Understanding your state’s approach to title insurance is important because it can affect:

  • Closing Costs – How much you’ll pay and to whom.

  • Closing Timeline – Who coordinates documents and funds.

  • Your Role as Buyer or Seller – Who selects the provider and pays for the policy.

Arizona’s Approach

In Arizona:

  • Title insurance premiums can vary between providers.

  • Title companies (like Arizona Premier Title) typically handle both escrow and title services.

  • Either the buyer or seller can choose the title company — it’s negotiable in the contract.

The Bottom Line

Title insurance might be universal in concept, but how it’s priced, who issues it, and how closings are handled depend on local laws and customs.

If you’re buying or selling property in Arizona, Arizona Premier Title offers expert guidance, competitive pricing, and smooth, secure closings from start to finish.