Title Insurance
How Much Does Title Insurance Cost in Idaho Falls?
Title Insurance Rates in Idaho Falls
Idaho Falls has a unique advantage for title insurance shoppers: all five companies filing in Bonneville County charge the same $3.00 per $1,000 rate, per the Idaho DOI 2025 Filed Short Term Escrow Rates. This eliminates rate shopping — the competition is on service, speed, and minimum fees.
Calculating Your Premium
For a $325,000 home purchase with a $260,000 mortgage (80% LTV):
Owner’s policy: $325,000 ÷ 1,000 × $3.00 = $975 + base fee ($100–$150) = $1,075 to $1,125
Lender’s policy: $260,000 ÷ 1,000 × $3.00 = $780 + base fee ($100–$150) = $880 to $930
Simultaneous issue discount: -$100
Combined total: approximately $1,855 to $1,955
Who Pays in Idaho Falls?
By Idaho custom, the seller pays for the owner’s title insurance policy and the buyer pays for the lender’s policy. This is specified in most Idaho purchase agreements but is negotiable.
Bonneville County Company Comparison
Per Idaho DOI 2025 Filed Rates, all five companies charge $3.00/thousand. The differences:
For a typical $325,000 purchase, all companies cost within $50 of each other. Some companies offer lower minimums for lower-priced properties.
Saving on Title Insurance
Simultaneous issue: $100 discount when owner’s and lender’s policies are issued together (standard on purchases).
Reissue discount: Up to 40% off the owner’s premium if the property was insured within two years (per IDAPA 18.05.01.013). Maximum discount is 50%. Prior policy proof required.
Enhanced vs. standard: Enhanced (ALTA Homeowner’s) policies cost approximately 10% more. Standard coverage is sufficient for most residential transactions.
Fact-checked by TitleThrive Editorial
Sources & Citations
- Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates, Bonneville County
- IDAPA 18.05.01.013 — Premium Rates and Their Application
Rates and fees referenced in this article are based on data filed with the applicable state department of insurance. Filed rates are subject to change. This content is for educational purposes and does not constitute a title insurance quote, legal advice, or financial advice. Contact a licensed title company for current rates specific to your transaction. Learn about our editorial standards.
Frequently Asked Questions
How much is title insurance on a $325,000 home in Idaho Falls?
The owner's policy costs approximately $1,075 to $1,125 ($975 premium + $100–$150 base fee at the uniform $3.00/thousand rate). The lender's policy adds $880 to $930 minus a $100 simultaneous issue discount. Combined total: approximately $1,855 to $1,955.
Why do all Idaho Falls title companies charge the same rate?
All five companies filing in Bonneville County happen to file the same $3.00/thousand rate with the Idaho DOI. Idaho is a filed-rate state — rates are not state-mandated, so this uniformity reflects market conditions rather than regulation.
What is the reissue discount for title insurance in Idaho?
Under IDAPA 18.05.01.013, Idaho title insurers may offer a reissue rate of not less than 50% of the basic rate when a prior owner's policy was issued within two years. Most companies offer a 40% discount. The prior policy or proof of issuance must be provided.
