How do you get started selling title insurance?

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1049118

2026-03-12 09:40

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Based on the state where you live, you may be required to be licensed as a title insurance producer in order to actually work as a title sales representative. Please check with your state licensing requirements. After that issue is addressed, selling title insurance products and services is just like any other sales position. You should be knowledgable about your product, services offered, turn around time, etc. Some states like NY and NJ have state filed rates for premiums. Other states do not. In states not dictated by filed rates, you can charge your clients whatever is a "reasonable" charge for your products, including ancellary and pass through charges. Be advised though, that even in non-filed states, RESPA watch dogs all charges and how you conduct business. So no matter what, you must be familar with RESPA guidelines for settlement and title charges in your local area. Being a good salesperson means face time with your clients and lots of follow up to make sure that the rest of your staff is giving them the level of service you promised. Your book of business is your livelihood. Remember that people like doing business with people they like. Remember to over deliver and under promise. Create a good business to business network with industry partners. Title sales are very much like any other commissioned sales position (mortgage lending, real estate, etc.). You can negotiate your split of the premiums based on your production and sales levels. Based on geographic areas, and how hard you want to work, it is not unusual to see 6 figure incomes for title sales people, at least on the East and West Coasts.

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