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Business groups continue to join the push for title insurance reform.

In an effort to keep Texas as a leading place to do business, prominent trade associations from across Texas continue to add their voice to the call for competition in the title insurance market. The Texas Business Leadership Council, a statewide network of CEOs that promotes a competitive business environment, […]


Hotel & Lodging, Apartment Associations join the fight for competition in title insurance.

April 13th, 2017 – Today, two prominent trade associations threw their weight behind the push for title insurance reform. The Texas Apartment Association (TAA) and the Texas Hotel & Lodging Association (THLA) announced support for bringing competition and transparency to the title insurance market, something both organizations believe will result in […]


Title Insurance Reform Bills Deliver Needed Price Competition, Transparency that will Benefit Consumers and the Economy

Title Insurance Reform Bills Deliver Needed Price Competition, Transparency that will Benefit Consumers and the Economy AUSTIN – Texans for Free Enterprise (TFE) today applauded the authors of two pieces of legislation that will bring badly needed reform to outdated title insurance practices in Texas.


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2016 LBJ School study reexamines competitiveness in the title insurance industry

Building upon the title insurance study conducted by UT’s LBJ School of Public Affairs in 2011, David Eaton, Ph.D and Ms. Xue Gao revisited the topic of title insurance competitiveness.Armed with more data from various nationwide


2011 study finds challenges and opportunity in title insurance

Following the 2009 Texas title insurance rate hearings, researchers from the Lyndon Baines Johnson School of Public Affairs at the University of Texas at Austin conducted research on title insurance across the U.S. and Canada. The research team reported their findings to the Texas Department of Insurance (TDI). This report […]


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Key Data

Baselice poll finds 91% of Texans support competition in title insurance

A 2016 poll conducted by Baselice and Associates found that 91% of Texans wanted to be able to shop for title insurance like they can for auto and homeowner’s insurance.


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  • Texas is one of only three states allowed to fix the rates charged for title insurance.
  • Current law does not allow a consumer to shop around for the best rate or policy.
  • Insurers are prohibited from offering lower rates or discounts.
  • Texas has among the highest rates charged for title insurance in the nation.
  • On a per-policy basis, price fixing adds from $292 (in 2001 dollars) to $1,663 (in 2016 dollars) in costs for the average purchaser of title insurance policies of $1 million dollars or less.
  • Setting rates forces expenses to be set high to account for inefficient insurers.
  • Setting rates eliminates any opportunity for price competition.
  • The absence of competition makes the purchase of property more difficult and expensive.