Title Insurance

How Much Does Title Insurance Cost in Post Falls, Idaho?

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

Title insurance costs in Post Falls depend on the title company — Idaho is a filed-rate state where rates vary (IDAPA 18.05.01). Post Falls shares Kootenai County's market with Coeur d'Alene. Seller pays the owner's policy; buyer pays the lender's. $100 simultaneous issue discount when both issued together.

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Rates in Post Falls

Idaho’s filed-rate system means each company sets its own rates. Post Falls is in Kootenai County — the same market as Coeur d’Alene. Check doi.idaho.gov/short-term-escrow-rates/ for current Kootenai County rates.

Cost Formula

Owner’s: Purchase price ÷ 1,000 × [filed rate] + base fee. Seller pays.

Lender’s: Loan amount ÷ 1,000 × [filed rate] + base fee – $100 simultaneous. Buyer pays.

Post Falls vs. Coeur d’Alene

Same rates and companies (both Kootenai County). Post Falls’ lower median prices mean lower absolute premiums. Also fewer complex lakefront transactions requiring additional endorsements.

Discounts

Simultaneous issue: $100. Reissue: up to 40% within 2 years per IDAPA 18.05.01.013 (max 50%). Shop around — Idaho rewards comparison.

Fact-checked by TitleThrive Editorial

Sources & Citations
  1. Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates
  2. 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.

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Frequently Asked Questions

How much is title insurance in Post Falls?

Depends on your company's filed rate. Statewide, $3.00/thousand is most common. Check doi.idaho.gov for Kootenai County rates or get local quotes.

Is Post Falls cheaper than Coeur d'Alene for title insurance?

Same per-thousand rates (same county). But Post Falls' lower home prices mean lower absolute premiums.

What discounts are available?

Simultaneous issue: $100 off. Reissue: up to 40% within 2 years per IDAPA 18.05.01.013.

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