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Real Estate
Owner's + Lender's policies

Get title insurance. Owner's policy + lender's policy.

Title insurance protects against losses from defects in the property title: forged deeds, undisclosed heirs, recording errors, fraud. Owner's policy protects the buyer (one-time premium, coverage for as long as you own). Lender's policy protects the mortgage lender. We refer you to title insurance underwriters, compare quotes, and connect to the right settlement agent for your transaction.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Title Insurance, end-to-end.

Title insurance protects against losses from defects in the property title: forged deeds, undisclosed heirs, recording errors, fraud.

1

Transaction details

We assess: property type (commercial/residential), purchase price, financing structure, jurisdiction. Each affects which title underwriters compete and at what rate.

2

Underwriter comparison

We solicit quotes from major underwriters (First American, Stewart, Old Republic, Fidelity National, plus regional). Different underwriters have different strengths by region and property type.

3

Settlement agent matching

Title insurance issued through a settlement agent (escrow or attorney depending on state). We match to the right local agent who can close on your timeline.

4

Closing coordination

Settlement agent handles closing logistics: title search, document recording, escrow, funds disbursement. We stay involved through closing to address issues.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent title insurance pricing.

Government fees pass through at cost. No upsells.

Portfolio program

$0
For repeat buyers.

Free portfolio program for real estate investors, developers, or fund managers buying multiple properties. Negotiated rates and dedicated underwriter relationships.

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Commercial mega-deals

$0
For $50M+ transactions.

Multi-underwriter syndication for commercial deals over $50M. Coordinated title insurance across multiple underwriters when single underwriter capacity is insufficient.

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FAQ

About the Title Insurance Referral Service.

Do I need title insurance?
If you have a mortgage, lender's policy is required. Owner's policy is optional but strongly recommended. Small one-time premium ($0.40-$0.60 per $1,000 of property value) protects against major risks (forged deeds, undisclosed heirs, recording errors) that can wipe out your equity.
Is the premium recurring?
No. Title insurance is one-time at closing. Coverage continues for as long as you own the property (for owner's policy).
What does title insurance cover?
Pre-closing defects in the title: forged deeds, undisclosed heirs, recording errors, fraud, undiscovered liens. Does NOT cover post-closing issues (your own deeds, mortgages you take out later).
What is a title commitment?
Pre-closing document from the title underwriter showing the current state of title plus exceptions (items not covered). You and your lender review and address exceptions before closing.
Who picks the title company?
Buyer typically picks in most states. Some states (FL) have customary seller-picks-title. Lender may have an approved list but cannot force a specific choice. We work with your preferred or recommend.
What does it cost?
Premium varies by state (rates are state-regulated): $0.40-$0.60 per $1,000 of insured value typical. For a $500K property, owner's policy premium is $200-$300. Title search and settlement agent fees additional.
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

No state-fee markup 60-day money-back Cancel anytime
$0 + state fee Start my business