We want to make you aware of an important change to Texas title insurance pricing that will take effect on March 1, 2026. The Texas Commissioner of Insurance signed Order No. 2025-9697 on December 19, 2025, mandating a 6.2% reduction to the Texas title insurance basic premium rates. This reduction replaces the rates that have been in effect since Commissioner Order No. 2019-5980.

This means that title insurance premiums quoted or disclosed on transactions closing on or after March 1, 2026 must use the new rate schedule. This is particularly relevant to your TRID disclosures: any Loan Estimate or Closing Disclosure for a closing on or after March 1 will need to reflect the reduced premium amounts. Transactions already in process with closings scheduled before March 1 will continue to use the current rate schedule under Commissioner Order No. 2019-5980. We recommend coordinating with your title company partners now to confirm they have updated their quoting systems ahead of the effective date.

The rate reduction applies uniformly to all Texas title insurance companies and agents, as Texas sets title insurance rates by state order. If you have questions about how this change affects your specific loan programs or disclosure processes, please do not hesitate to reach out.