What is title insurance?

Title insurance protects you from financial loss if someone challenges your ownership. Unlike other insurance protecting against future events, title insurance protects against past issues — undisclosed heirs, forged documents, recording errors, and more. It's a one-time premium that protects your property rights for as long as you own the property.

How much does title insurance cost in Utah?

Title insurance premiums are state-regulated in Utah and based on the sale price. For a typical residential transaction, expect to pay between $500 – $3,500. Trident Title offers a free rate calculator for instant estimates tailored to your specific transaction.

What's the difference between owner's and lender's title insurance?

Lender's insurance protects the bank's investment and is usually required for financing. Owner's insurance protects YOU and your equity in the property. We strongly recommend both — the owner's policy is a one-time premium that protects you for as long as you own the property.

How long does closing take?

Typical residential closings take 7-60 days from contract to keys. Cash transactions close in less than 72 hours. Commercial transactions may take longer depending on complexity. Trident Title's experienced team works to ensure smooth, on-time closings.

What do I need to bring to closing?

Valid government-issued photo ID (driver's license or passport), cashier's check or wire transfer receipt for your funds, and any documents your closer specifically requested. We'll send you a detailed checklist before closing day.

Can I do a remote closing?

Yes! Through our Qualia portal, you can review documents, e-sign, and complete much of the process remotely. Some documents may still require in-person notarization depending on your lender's requirements.

Who pays for title insurance in Utah?

This is negotiable and varies by transaction. In Utah, it's common for sellers to pay for the owner's policy and buyers to pay for the lender's policy, but this can be negotiated as part of your purchase contract.

How do I protect myself from wire fraud?

NEVER trust wiring instructions sent via email without verbal verification. Trident Title will NEVER email you changes to wiring instructions. Always call us directly using a number you already have (not one from an email) to verify before wiring any funds.

(801) 704-7000START CLOSING

(801) 704-7000

Rate Calculator

Know your costs
before you close.

Instant Utah title insurance estimates calibrated to Old Republic Title's filed rate schedule. Adjust any figure and see your estimate update in real time.

Skip to calculator(801) 704-7000

A premium Utah home — title insurance protects your investment

Old Republic Title Schedule

Family-Owned Since 2004

20+ Years

Free Estimates

Title & Escrow Information

Services

Transaction Type

Escrow Location (County)

Property Location (County)

Property Type

Financing Amounts

Sales Price

$50,000$3,000,000

Loan #1

$080.0% LTV$500,000

Policy: Expanded Lender's Policy

Total$4,435

Escrow

Title

Additional

Estimated Total

$4,435

Old Republic Title — Utah filed rates (representative)

Escrow Fees

Standard Residential Settlement Fee

Paid by Split

Settlement fees may vary. Includes document preparation, wire, and courier fees.

$395

Title Fees

Owner's Policy Fee

Paid by Seller

$2,505

Lender's Policy Fee

Paid by Buyer

$1,345

Additional Fees

Closing Protection Letter

Paid by Buyer

$25

County Recording Fee

$40 × 2 docs · Paid by Split

$80

eRecording Fee

$5 × 2 docs · Paid by Split

$10

Reconveyance Tracking Fee

Paid by Seller

$75

Who Pays What

Buyer Pays

$1,613

Seller Pays

$2,822

Estimate only. Title premiums are based on Old Republic's filed Utah rate manual. Closing costs above are typical for residential transactions and may vary by county, lender, and endorsements selected.

Rates verified May 2026 · Old Republic Title

Ready when you are

Ready to close
with confidence?

Once you know your numbers, our family-owned escrow team handles the rest — clear communication, fast closings, no surprises.

(801) 704-7000 Start My Closing

(801) 704-7000START CLOSING

(801) 704-7000

Rate Calculator

Know your costs
before you close.

Instant Utah title insurance estimates calibrated to Old Republic Title's filed rate schedule. Adjust any figure and see your estimate update in real time.

Skip to calculator(801) 704-7000

Old Republic Title Schedule

Family-Owned Since 2004

20+ Years

Free Estimates

Title & Escrow Information

Services

Transaction Type

Escrow Location (County)

Property Location (County)

Property Type

Financing Amounts

Sales Price

$50,000$3,000,000

Loan #1

$080.0% LTV$500,000

Policy: Expanded Lender's Policy

Total$4,435

Escrow

Title

Additional

Estimated Total

$4,435

Old Republic Title — Utah filed rates (representative)

Escrow Fees

Standard Residential Settlement Fee

Paid by Split

Settlement fees may vary. Includes document preparation, wire, and courier fees.

$395

Title Fees

Owner's Policy Fee

Paid by Seller

$2,505

Lender's Policy Fee

Paid by Buyer

$1,345

Additional Fees

Closing Protection Letter

Paid by Buyer

$25

County Recording Fee

$40 × 2 docs · Paid by Split

$80

eRecording Fee

$5 × 2 docs · Paid by Split

$10

Reconveyance Tracking Fee

Paid by Seller

$75

Who Pays What

Buyer Pays

$1,613

Seller Pays

$2,822

Rates verified May 2026 · Old Republic Title

Ready when you are

Ready to close
with confidence?

Once you know your numbers, our family-owned escrow team handles the rest — clear communication, fast closings, no surprises.

(801) 704-7000 Start My Closing

Know your costsbefore you close.

Title & Escrow Information

Financing Amounts

Ready to closewith confidence?

Know your costsbefore you close.

Title & Escrow Information

Financing Amounts

Ready to closewith confidence?

Know your costs
before you close.

Ready to close
with confidence?

Know your costs
before you close.

Ready to close
with confidence?