ITG - It's an Iowa Thing.

Buying a home is the biggest investment most Iowans ever make. At Iowa Title Guaranty, it’s our job to protect the title to your home, while reinvesting every penny of revenue in excess of operating expenses to help new homebuyers right here in Iowa—$59 million and counting. In 2019 alone, we helped support 1,492 homebuyers through down payment assistance.

Empowering Iowans. Supporting Iowa’s economy. Protecting what matters most.

It’s an Iowa thing.

Your Title, Protected.

The Iowa Legislature created Iowa Title Guaranty to provide low-cost title coverage for owners and lenders and to protect the integrity of Iowa’s unique land-title system.

What does this mean for you?

Buying a home is a big investment. From neighborhood and location to space and layout, you consider a long list of factors before making the move. But there’s one more important box to check – clear property title. Iowa Title Guaranty protects your ownership rights and interests from potential claims and liens.

Iowa title guaranty reinvests to support iowans.

Iowa Title Guaranty is self-sustaining and operates solely through certificate premiums. All revenue in excess of operating expenses is reinvested to support Iowa homebuyers with down payment assistance. Iowa Title Guaranty also supports Iowa communities by partnering with local real estate professionals. In other words, all of the money we collect stays in Iowa and is reinvested into programs that support Iowans.

Protecting Titles. Protecting You.

We protect Iowa homeowners and mortgage lenders by providing low-cost title coverage for Iowa real property.

We strengthen Iowa’s land-title system by guaranteeing clear property titles.

We support Iowans by reinvesting back into communities across the state through down payment assistance programs.

Why Iowa Needs Iowa Title Guaranty

Iowa Title Guaranty

Title Insurance

Consumer protection.

Integrity of Iowa’s land-title system.

Reinvesting profits to assist Iowa homebuyers.

Profits.

Low, flat-rate $140 residential premium.

Only $1 per $1,000 over $500,000.

Residential CPL & endorsements included (modification and non-simultaneous assignment endorsements excluded).

Typically, a percentage of the coverage amount.

Closing Protection Letter and endorsements NOT INCLUDED.

Residential owner’s coverage up to $500,000 is FREE when issued in conjunction with Lender Certificate Commercial simultaneous coverage is $100.

Owners pay separate premiums for coverage, even if underwriter has reviewed title for lender.

Iowa’s attorney/abstract system requires title be unambiguously cleared prior to closing, resulting in low claims and premiums for Iowans.

Writes over certain title defects, resulting in greater claims & premiums.

Incentive payments support local Iowa businesses and communities.

Premiums support growth of large title insurance companies, not local/small business owners.

All revenue in excess of operating expenses is transferred to IFA to provide down payment assistance for Iowa homebuyers.

Premiums will not support Iowa’s housing programs.

Iowa Title Guaranty participants do not receive commissions. Field issuers receive a $60-$75 incentive payment per transaction, regardless of coverage amount.

Premiums include title agents’ commissions and profits support dinners, trips and entertainment.

Iowa Title Guaranty provides a simple and inexpensive way to obtain a release of a mortgage that has been paid in full, but not properly released of record.

No such product.