As an approved attorney as opposed to a Title Agent, I can save you money on title costs in PA. All Title Agents have contracts with Underwriters which are large companies that underwrite the policies and defend the claims. Underwriters must file rates with the Pennsylvania Department of Insurance and abide by those rates. A majority of the Underwriters are members of TIRBOP (Title Insurance Rating Bureau of Pennsylvania) which files rates on behalf of its members who agree to abide by their rates. As most Title Agents have a contract with one or more of the TIRBOP members, when you close with those agents you will be charged an "All Inclusive Rate." As TIRBOP states on its website, "Pennsylvania is one of the few States where the rate is all-inclusive in that the title insurance charge includes the cost of the search, title examination, escrow and settlement services, and the insurance risk assumed by the title insurer." In addition to the all inclusive charge, there is also a charge for each endorsement added to the title policy. This charge may vary but for the typical endorsement required by a lender in a residential loan (PA 100, PA 300 and PA 900), it is $50. Additionally, most lenders require a closing protection letter which is an additional $125.00. Finally, some Title Agents have miscellaneous charges such as for overnight delivery, wire transfers, email documentation fees and/or notary fees. Therefore to find out what a Title Agent is likely to charge, you would go the rate chart and look up the purchase price (or loan amount in a refinance) and find the applicable rate (under Sale or Non-Sale) and then add at least $275.00 to that rate since most lenders will require three endorsements and a closing protection letter. As an Attorney, I have a different rate structure and pass on some of the savings to the Client. I handle the entire transaction like a Title Agent and am always happy to give you a quote to compare. Just call me at 215-694-8919.