Does An Owner’s Title Insurance Policy Cost The Same Amount As A Lender’s Title Policy? 

Does An Owner’s Title Insurance Policy Cost The Same Amount As A Lender’s Title Policy? 

03/30/2026 11:27 AM       Mark Goodman

As we’ve discussed time and time again on this blog, it’s a wise move to secure an owner’s title insurance policy after closing on a commercial property. You’ll already likely need to secure a lender’s title insurance policy if you’ll be receiving a loan to finance the purchase, and if your lender feels like protection is a wise investment, you should probably protect your financial interests as well. 

If you’re quoted a specific amount for your lender’s title insurance policy, can you expect to simply double that amount if you want to purchase an owner’s title insurance policy? If you’re expecting to pay the same amount for your coverage, we have some good news for you in today’s blog. 

How Much Does Owner’s Title Insurance Cost? 

The specific amount you’ll pay to secure an owner’s title insurance policy will vary based on a few different factors, including the purchase price of the property and the number of endorsements included in the policy.  

In general, an owner’s title insurance policy is often cheaper to acquire than a lender’s policy, which is just another reason why it’s a smart policy to acquire after you’ve closed on a commercial property. 

You can work to protect yourself against any endorsements on your lender’s title insurance policy that you feel are unnecessary by working with a trusted title services team. We want your commercial purchase to run as smoothly as possible, and we can assist in the generation of both lender’s and owner’s title insurance policies that have the best interests of all parties at heart. If you’re interested in working with a trusted title services team during your next commercial purchase, sync up with the team at Commercial Partners today at (612) 337-2470.