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Title Agent Bond Guide

The Departments of Insurance in most states require title agencies to file a title agency surety bond before obtaining a professional license.

SuretyBonds.com is licensed to issue title agency bonds in all 50 states. We offer the industry’s best service, fastest delivery and most affordable prices.

If you’re seeking information about surety bonds for a lost vehicle title, view our title bond guide

What Is a Title Agency Bond?

A title agency bond, also known as a title agent bond, is a surety bond required by title insurance agencies. This bond guarantees that title agencies operate honestly, which applies to all job functions, including:

  • Title searches
  • Issuing and handling legal documents
  • Title insurance
  • Other tasks as requested by clients

Title Agent Bond Requirements by State

Title agency bond requirements are established on the state level and can vary greatly. For example, the Bureau of Licensing in Florida requires title agencies to post a $35,000 surety bond. In comparison, title insurance agents in Virginia must post a $200,000 bond. 

Select your state below for more information about title agency bonds in your area:

How Does a Title Agent Bond Work?

Title agency bonds protect the state and the public from noncompliant title agencies by creating a legal agreement between three entities:

  1. The principal is the licensed title agent or agency responsible for upholding the bond’s obligations.
  2. The obligee is the state department that handles licensing and requires the bond from the principal.
  3. The surety is the company that issues the surety bond and financially backs the principal.

How Much Is a Title Agency Surety Bond?

Title bond premium costs are calculated as a percentage of the bond amount set by the governing agency. In most cases, qualified title agent bond applicants will pay 1–5% of the total bond amount. This means a $10,000 bond will cost between $100 to $500 for those with good credit. 

Get your exact price by requesting a free quote now. 

Worried About Poor Credit? 

With our exclusive Bad Credit Bonding Program, we approve 99% of bond applicants. The program allows qualified applicants to finance their surety bond, breaking up a large cost into smaller, more manageable payments. Apply today to see if you qualify.

Call 1 (800) 308-4358 to talk with a Surety Expert