Cash to buy / Title insurance

Title insurance in Manhattan and the Hamptons

Title insurance rates in New York are filed by TIRSA, the state's title insurance rate service organisation, and approved by the Department of Financial Services. Its members must charge them. Here are the owner's and lender's premiums at those rates.

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Owner's policy$6,021On the $1,500,000 price

Lender's policy, issued with it$1,247$4,156 on its own; 30% of the loan rate when issued together

Both premiums$7,268Endorsements and the title company's other charges are extra

How the premium is worked out

New York County (Manhattan) and Suffolk County (the Hamptons) are both in TIRSA's Zone 2. The first $35,000 of insurance costs $382 for an owner's policy and $327 for a loan policy; each further $1,000, or part of $1,000, adds the rate for its band. TIRSA Rate Manual, Part I §3 (zones) and Part II (rates) · Seventh Revision, effective 1 October 2024; checked 2026-10-22

Zone 2 title insurance rates per $1,000 of insurance
Amount of insurance	Owner's policy, per $1,000	Loan policy, per $1,000
First $35,000 or less	$382 in all	$327 in all
$35,001 to $50,000	$6.34	$5.27
$50,001 to $100,000	$5.16	$4.31
$100,001 to $500,000	$4.14	$3.46
$500,001 to $1,000,000	$3.78	$3.14
$1,000,001 to $5,000,000	$3.48	$2.90
$5,000,001 to $10,000,000	$3.09	$2.57
$10,000,001 to $15,000,000	$2.92	$2.42
$15,000,001 and up	$2.62	$2.19

When the lender's policy is issued with the owner's policy on the same property, it costs 30% of the loan rate up to the owner's amount, and the full loan rate on any part of the loan above it. TIRSA Rate Manual, Part I §10(B)(1) · Seventh Revision, effective 1 October 2024; checked 2026-10-22 DFS describes the same 30% charge. NY DFS: title insurance · checked 2026-10-22

Worked examples

$750,000 with a $600,000 loan: owner's $3,336, lender's $696.
$1,500,000 with a $1,200,000 loan: owner's $6,021, lender's $1,247.
$6,000,000 with a $4,200,000 loan: owner's $21,291, lender's $3,857.

Good to know

Co-ops have no title insurance. You buy shares, not real property; a lien search stands in, and cash to buy counts that instead.
The rates are mandatory, but not the whole bill. TIRSA's members must charge the filed premiums, and an insurer may file its own rates with DFS instead. Endorsements, searches and recording charges are added on top, so ask for an itemised title bill.
The buyer usually pays for both policies in a New York purchase; your contract and attorney confirm it.

Premiums at the Seventh Revision, effective 1 October 2024 rates, for Zone 2. Information, not legal advice.