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Underwritten Title Company Bond

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Coverage Amount: $50,000 - $100,000
Term Length: 1 year
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California Underwritten Title Company Bond Guide

If you’re applying for an underwritten title company license in California, you’ll likely need this surety bond. 

Bond Overview

  • Purpose: To ensure title companies uphold state regulations 
  • Who Needs It: All underwritten title companies in California
  • Regulating Body: The California Department of Insurance — Corporate Affairs Bureaus I & II
  • Required Coverage: $50,000 or $100,000
  • Premium Rate: 1–5% based on credit score

Learn all about the bond requirements and process in this guide. 

What Is a California Underwritten Title Company Bond? 

A California underwritten title company (UTC) bond protects consumers by ensuring that title companies operate ethically.

The amount of the bond is based on the aggregate number of documents filed in the previous year:

  • ≤$100,000: $50,000 bond
  • $100,000+: $100,000 bond

How Much Do Underwritten Title Company Bonds Cost?

California underwritten title company bonds cost a small percentage of the required coverage amount, typically 1–5%. For example, qualified applicants often pay $500 for $50,000 coverage. 

Exact rates vary based on personal credit score. Apply for your free quote now!

Bond Type
$50,000Underwritten Title Company BondLess than 100,000 documents
$100,000Underwritten Title Company BondMore than 100,000 documents

SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees. 

Who Needs a UTC Bond? 

The California Department of Insurance requires a UTC bond as part of the licensing process for companies authorized to facilitate or deliver title insurance policies on behalf of an underwriter. 

This includes performing title searches and managing escrow services for real estate transactions.

How Do I Get My Bond?

SuretyBonds.com provides the fastest and easiest way to get a California underwritten title company bond. Just follow these quick steps: 

  1. Apply: Submit an online quote request form
  2. Quote: Receive your quote within one day
  3. Sign: Complete the indemnity agreement 
  4. Buy: Purchase the bond online 24/7

We’ll mail you the bond via your preferred shipping method. Be sure to file it with the Department of Insurance as instructed. 

If you have any questions, call our friendly surety experts at 1 (800) 308-4358 for assistance. 

How Does a California Title Company Bond Work? 

A UTC bond creates a legal contract between these three parties: 

  1. Principal: You, the underwritten title company  owner(s) filing the bond
  2. Obligee: The California Department of Insurance requiring the bond
  3. Surety: The provider issuing the bond

This holds you financially responsible for upholding the provisions of the California Insurance Code Section 12389.

If you break the bond terms, harmed parties can file claims. The surety will pay valid claims up to the bond amount, but you must ultimately refund the surety. 

How Do I Renew My Bond?

These bonds expire annually. To renew your underwritten title company bond, simply pay your renewal invoice when prompted. 

We’ll begin contacting you by phone and email 90 days before the expiration date. 

More Resources

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