How Much Does Title Insurance Cost in Eagle, Idaho?

Title Insurance Rates in Eagle

Eagle is in Ada County, sharing the same title company market and filed escrow rates as Boise and Meridian. The Idaho DOI 2025 Filed Rates show two pricing tiers: $3.00/thousand (7 companies) and $3.50/thousand (2 companies).

Eagle’s higher median home prices mean title insurance costs more in absolute dollars than in other Ada County cities — but the per-thousand rates are identical.

Cost Calculation

For a $525,000 home (Eagle’s upper-median range) with a $420,000 mortgage (80% LTV) at $3.00/thousand:

Owner’s policy: $525,000 × $3.00/1,000 = $1,575 + $150 base = $1,725

Lender’s policy: $420,000 × $3.00/1,000 = $1,260 + $150 base = $1,410

Simultaneous issue: -$100

Combined: approximately $3,035

At $3.50/thousand: owner’s = $1,988 + $150 = $2,138, combined approximately $3,565 — a $530 difference.

Who Pays in Eagle?

Seller pays the owner’s policy, buyer pays the lender’s policy — standard Idaho custom. Negotiable through the purchase agreement.

Ada County Companies

Per Idaho DOI 2025 Filed Rates:

$3.00/thousand: seven companies (at $3.00/thousand).

$3.50/thousand: Two national underwriters.

Choosing $3.00 over $3.50 saves $263 on a $525,000 transaction with identical coverage.

Discounts

Simultaneous issue: $100 off the lender’s policy when issued with the owner’s.

Reissue: Up to 40% off the owner’s premium if insured within 2 years (per IDAPA 18.05.01.013, max 50%). On a $525,000 home at $3.00/thousand, the reissue discount saves approximately $630.