Largest Title Insurance Companies

Largest Title Insurance Companies

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The largest title insurance company in the U.S. is First American Title, with $4 billion in premiums in 2020. However, three of the top 10 title insurance companies are owned by parent company Fidelity National Title Group, and together, they earned $6 billion last year.

Who are the largest title companies in the United States?

First American Title is the largest title insurance company, with a 21% market share and more than $4 billion in premiums in 2020 — 41% more than the next-largest company.

However, Chicago Title, Fidelity National Title and Commonwealth Land Title are all owned by one parent company, Fidelity National Title Group. Together, they represent 31% of the title insurance market, with more than $6 billion in business.

This graph ranks the top 10 title insurance companies in the U.S.
Company
Market share
Premiums written (in millions)
First American Title21%$4,008
Old Republic National Title15%$2,830
Chicago Title14%$2,664
Fidelity National Title13%$2,599
Stewart Title Guaranty8%$1,639
Westcor Land Title6%$1,112
Commonwealth Land Title4%$816
WFG National Title3%$569
Title Resources Guaranty2%$478
North American Title2%$349

Key statistics

The title industry is dominated by a handful of large companies. The three largest companies — First American Title, Old Republic National Title and Chicago Title, respectively — account for close to 50% of the title insurance premiums written in the U.S.

The top 10 companies provide title insurance to 88% of customers. Of the remaining 38 title companies, only one — First National Title Insurance — holds a market share greater than 1%.

In 2020, the title insurance industry did over $19 billion in business.

Title company ratings

The National Association of Insurance Commissioners (NAIC) Complaint Index measures the number of complaints a company receives in relation to the size of its customer base. The 10 largest property title insurance companies all received above-average ratings, meaning that they have fewer customer complaints than expected.

Most of the companies also received excellent financial strength ratings from A.M. Best or Demotech, meaning they should have enough funds to pay out claims, even in difficult economic times. Title Resources Guaranty was the only company to receive a score below A.

Company
Financial strength rating
NAIC Complaint Index
First American TitleA (A.M. Best)0.1
Old Republic National TitleA+ (A.M. Best)0.05
Chicago TitleA" (Demotech)0.11
Fidelity National TitleA' (Demotech)0.13
Stewart Title GuarantyA- (A.M. Best)0.13
Westcor Land TitleA" (Demotech)0.04
Commonwealth Land TitleA' (Demotech)0.12
WFG National TitleA' (Demotech)0.17
Title Resources GuarantyB++ (A.M. Best)0.21
North American TitleA' (Demotech)0.42
*The highest rating from Demotech is A" (double prime), followed by A' (prime), A and lower ratings.

Frequently asked questions

What is a title company?

A title company is an insurance company that issues policies to protect a homeowner or lender if there is anything wrong with the title for a property. When you close on a home, whether you're finalizing a purchase or refinancing, title insurance covers the cost of correcting your title rights or provides compensation if you lose your property due to a claim resulting from inaccurate title records.

How do I choose a title company near me?

When it's time for you to choose a title insurance company, you'll want to consider both reputation and price. All 10 of the largest title companies have excellent customer service ratings from the NAIC. Nine of them also received high financial stability ratings.

Ask for referrals from your real estate agent, mortgage officer and closing attorney — they have experience working with title insurance companies and may be able to offer you a discount if they have a partnership with one company.

What is the difference between an escrow company vs. a title company?

Title insurance companies issue policies to protect homeowners and lenders against discrepancies with their property title. On the other hand, an escrow company holds funds in an account to be paid out at a later date. During the purchase process, your earnest money deposit is held in an escrow account until the closing paperwork is signed.

Methodology

Market share, direct written premium and financial strength information for our list of title insurance companies was gathered from S&P Global, a top provider of financial data, research and analytics.

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