Washington Title Insurance
Rating Organization
Access the current, state-approved title insurance rating manual, policy forms, and online rate calculator.
Access the current, state-approved title insurance rating manual, policy forms, and online rate calculator.
• Interactive Rate Calculator launched for the October 5, 2026 manual.
• Updated manual approved August 11, 2026, effective October 5, 2026, now available.
Access the current schedule of rates and rules approved by the Washington OIC.
Title policy forms, guarantees, and endorsements for Washington transactions.
Official WATIRO rate manual filed with and approved by the Washington State Office of the Insurance Commissioner.
Adopted policy forms, guarantees, and endorsement forms
WATIRO rate calculator for rates effective October 5, 2026.
Calculate premiums that can be printed or saved directly to PDF.
Find answers to common questions regarding the implementation of the new rates.
A licensed rating organization operating under RCW Chapter 48.29.
The Washington Title Insurance Rating Organization (WATIRO) represents licensed title insurance underwriters operating across Washington State. WATIRO prepares and files collective rates, standard policy coverage forms, and rating rules with the Washington State Office of the Insurance Commissioner (OIC).
Submit inquiries regarding rate schedules, form usage, or organization governance.
