WATIRO Washington Title Insurance
Rating Organization

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Washington Title Insurance Rating Organization — Rate Manual effective October 5, 2026

Quote summary — this file

Total for this file—

Owner's Policy

Property & amount
Sets Territory 1 or Territory 2 (Schedule 1)
Ch. 3.01 — sales price or Fair Market Value
Which rate applies
Surcharges

Loan Policy

Property & amount
Sets Territory 1 or Territory 2 (Schedule 1)
Ch. 4.01 — face amount of the Mortgage
Which rate applies
Surcharges

Owner's Policy + simultaneously issued Loan Policy

Property & amounts
Sets Territory 1 or Territory 2 (Schedule 1)
Ch. 3.01
Leave blank to rate the Owner's Policy alone. Liability above the Owner's amount is rated under Ch. 2.07(c)
Owner's Policy rate
Owner's Policy surcharges
Loan Policy rate
Loan Policy surcharges

Guarantees — Chapter Five

The Special Rates in Chapter Two do not apply to Guarantees (Ch. 5.01).
Which Guarantee
Property & liability
Sets Territory 1 or Territory 2 (Schedule 1)
Used by Ch. 5.02, 5.03, 5.04 and 5.07
What this Guarantee is rated on
Ch. 5.06, 5.08, 5.09, 5.11
Ch. 5.08 — a couple counts as one name
Ch. 5.08 — $5 for each over two
Ch. 5.02 / 5.03 / 5.04 — $30 each
Ch. 5.11 — $2 per year
Ch. 5.11 — $4 each
Rate-affecting options

Endorsements — Chapter Six

Percentages are a percentage of the General Rate Schedule based on the Amount of Insurance of the policy being endorsed, unless otherwise stated. There is no permitted deviation from the rate or form of the endorsements approved by the Office of the Insurance Commissioner. Where policies are issued simultaneously, endorsement charges apply to each policy.
Policy being endorsed
Sets Territory 1 or Territory 2 (Schedule 1)
Drives every percentage-based endorsement
Used by ALTA 10.1, 11, 11.1, WATIRO 3 and CLTA 111 / 111.4
Choose endorsements

Rates and charges reflected in this quote were calculated under the approved WATIRO Rate Manual effective October 5, 2026. This quote is provided for convenience and informational purposes only; it is subject to examination of title and is not binding upon any WATIRO member company or its authorized policy-issuing agents.

Current calculation

Total premium
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