This partial schedule of fees has been prepared and published in compliance with the Insurance Code of the State of California. Its purpose is to serve as an aid in determining charges for services regularly rendered.
The rates, fees and charges set forth in this Schedule are on file with the California Department of Insurance and are minimum charges only. Additional rates, fees and charges may be added when unusual risks are assumed or unusual services are performed in accordance with California Insurance Code Section 12401.8.
This partial schedule of fees applies to residential transactions.
An expanded title policy for owners and lenders on improved one-to-four family residences, including condominiums. It includes additional protection and is the best overall coverage available today.
This is the amount of the Owner's Policy, usually the sales price. Round up to the next $10,000 to determine the rate.
This policy is also known as the CLTA/ALTA Homeowner's Policy. It is the default policy specified in the standard C.A.R. purchase contract. Ask your title representative or escrow officer for further details.
OWNER'S POLICY WITHOUT EAGLE PROTECTION.
This rate is the same as our Basic Insurance Rate. An ALTA Owner's Policy with Western Regional Exceptions or a CLTA Standard Owner's Policy may be issued under this category. The Owner's Policy to which this rate applies is with Western Regional Exceptions. Ask your title representative or escrow officer for further details.
ALTA LOAN POLICY WITHOUT EAGLE PROTECTION ISSUED AS A STAND-ALONE POLICY.
This rate is based on the loan amount when an ALTA Loan Policy without EAGLE protection and without Western Regional Exceptions is issued WITHOUT the simultaneous issue of an Owner's Policy.
ALTA LOAN POLICY ISSUED CONCURRENT WITH AN OWNER'S POLICY.
This rate is based on the loan amount when an ALTA Loan Policy without EAGLE protection and without Western Regional Exceptions is issued concurrently with an Owner's Policy described in Column 2 or 3. ALTA Loan Policy issued without Western Regional Exceptions is most commonly required under FNMA and Freddie Mac guidelines. Ask your title representative or escrow officer for further details.
Any single Loan Policy other than a Short Form Loan Policy with Short Form Commitment issued on improved one to four family residential properties where the loan proceeds are being used for any purpose other than construction or acquisition. A reduced rate is available when the combination of a Short Form Commitment and Short Form Loan Policy are issued. Ask your title representative or escrow officer for further details.