These state regulatory updates include changes to rates, fees, forms, and manuals affecting title insurance in five states.

Ohio

• The Ohio Title Insurance Rating Bureau (OTIRB) issued a limited update to its Rate Manual, effective August 1, 2026. The update is primarily a forms correction and introduces no new rates or rate changes.

Texas

• The Texas Title Insurance Guaranty Association (TTIGA) has approved an increase to the Texas Guaranty Fee from $2.00 to $3.00 per policy, effective for closings occurring on or after October 1, 2026. The updated fee applies to owner and lender title insurance policies issued in Texas.

Washington

• The Washington Title Insurance Rating Organization (WATIRO) has introduced a standardized statewide title insurance rate manual, forms package, and rating structure. The manual became effective October 5, 2026, though many underwriters have delayed adoption.

New Jersey

• The New Jersey Land Title Insurance Rating Bureau (NJLTIRB) has released a revised Title Insurance Manual of Rates and Charges effective November 1, 2026. The update includes changes to title insurance rates and new or revised policy forms.

Pennsylvania

• The Title Insurance Rating Bureau of Pennsylvania (TIRBOP) has approved updates to endorsement forms, introduced new endorsements, and revised its Rate Manual. The changes take effect on November 1, 2026.
  
  

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