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State of Michigan - Basic Rate - Effective 10/15/2005
Insurance Rate Schedule
Owner's Policies, Leasehold Policies, Mortgagee Policies
Basic Without Standard Exceptions/See Column 1
40% Simultaneous Without Standard Exceptions/See Column 2
Amount of Basic Simultaneous   Amount of Basic Simultaneous
Insurance W/O Exc. Issue/40%   Insurance W/O Exc. Issue/40%
  1 2     1 2
$1,000 $190.00 $190.00   $58,000 $467.00 $190.00
$2,000 $195.00 $190.00   $59,000 $471.00 $190.00
$3,000 $200.00 $190.00   $60,000 $475.00 $190.00
$4,000 $205.00 $190.00   $61,000 $479.00 $191.60
$5,000 $210.00 $190.00   $62,000 $483.00 $193.20
$6,000 $215.00 $190.00   $63,000 $487.00 $194.80
$7,000 $220.00 $190.00   $64,000 $491.00 $196.40
$8,000 $225.00 $190.00   $65,000 $495.00 $198.00
$9,000 $230.00 $190.00   $66,000 $499.00 $199.60
$10,000 $235.00 $190.00   $67,000 $503.00 $201.20
$11,000 $240.00 $190.00   $68,000 $507.00 $202.80
$12,000 $245.00 $190.00   $69,000 $511.00 $204.40
$13,000 $250.00 $190.00   $70,000 $515.00 $206.00
$14,000 $255.00 $190.00   $71,000 $519.00 $207.60
$15,000 $260.00 $190.00   $72,000 $523.00 $209.20
$16,000 $265.00 $190.00   $73,000 $527.00 $210.80
$17,000 $270.00 $190.00   $74,000 $531.00 $212.40
$18,000 $275.00 $190.00   $75,000 $535.00 $214.00
$19,000 $280.00 $190.00   $76,000 $539.00 $215.60
$20,000 $285.00 $190.00   $77,000 $543.00 $217.20
$21,000 $290.00 $190.00   $78,000 $547.00 $218.80
$22,000 $295.00 $190.00   $79,000 $551.00 $220.40
$23,000 $300.00 $190.00   $80,000 $555.00 $222.00
$24,000 $305.00 $190.00   $81,000 $559.00 $223.60
$25,000 $310.00 $190.00   $82,000 $563.00 $225.20
$26,000 $315.00 $190.00   $83,000 $567.00 $226.80
$27,000 $320.00 $190.00   $84,000 $571.00 $228.40
$28,000 $325.00 $190.00   $85,000 $575.00 $230.00
$29,000 $330.00 $190.00   $86,000 $579.00 $231.60
$30,000 $335.00 $190.00   $87,000 $583.00 $233.20
$31,000 $340.00 $190.00   $88,000 $587.00 $234.80
$32,000 $345.00 $190.00   $89,000 $591.00 $236.40
$33,000 $350.00 $190.00   $90,000 $595.00 $238.00
$34,000 $355.00 $190.00   $91,000 $599.00 $239.60
$35,000 $360.00 $190.00   $92,000 $603.00 $241.20
$36,000 $365.00 $190.00   $93,000 $607.00 $242.80
$37,000 $370.00 $190.00   $94,000 $611.00 $244.40
$38,000 $375.00 $190.00   $95,000 $615.00 $246.00
$39,000 $380.00 $190.00   $96,000 $619.00 $247.60
$40,000 $385.00 $190.00   $97,000 $623.00 $249.20
$41,000 $390.00 $190.00   $98,000 $627.00 $250.80
$42,000 $395.00 $190.00   $99,000 $631.00 $252.40
$43,000 $400.00 $190.00   $100,000 $635.00 $254.00
$44,000 $405.00 $190.00   $101,000 $638.50 $255.40
$45,000 $410.00 $190.00   $102,000 $642.00 $256.80
$46,000 $415.00 $190.00   $103,000 $645.50 $258.20
$47,000 $420.00 $190.00   $104,000 $649.00 $259.60
$48,000 $425.00 $190.00   $105,000 $652.50 $261.00
$49,000 $430.00 $190.00   $106,000 $656.00 $262.40
$50,000 $435.00 $190.00   $107,000 $659.50 $263.80
$51,000 $439.00 $190.00   $108,000 $663.00 $265.20
$52,000 $443.00 $190.00   $109,000 $666.50 $266.60
$53,000 $447.00 $190.00   $110,000 $670.00 $268.00
$54,000 $451.00 $190.00   $111,000 $673.50 $269.40
$55,000 $455.00 $190.00   $112,000 $677.00 $270.80
$56,000 $459.00 $190.00   $113,000 $680.50 $272.20
$57,000 $463.00 $190.00   $114,000 $684.00 $273.60
 
$115,000 $687.50 $275.00   $178,000 $908.00 $363.20
$116,000 $691.00 $276.40   $179,000 $911.50 $364.60
$117,000 $694.50 $277.80   $180,000 $915.00 $366.00
$118,000 $698.00 $279.20   $181,000 $918.50 $367.40
$119,000 $701.50 $280.60   $182,000 $922.00 $368.80
$120,000 $705.00 $282.00   $183,000 $925.50 $370.20
$121,000 $708.50 $283.40   $184,000 $929.00 $371.60
$122,000 $712.00 $284.80   $185,000 $932.50 $373.00
$123,000 $715.50 $286.20   $186,000 $936.00 $374.40
$124,000 $719.00 $287.60   $187,000 $939.50 $375.80
$125,000 $722.50 $289.00   $188,000 $943.00 $377.20
$126,000 $726.00 $290.40   $189,000 $946.50 $378.60
$127,000 $729.50 $291.80   $190,000 $950.00 $380.00
$128,000 $733.00 $293.20   $191,000 $953.50 $381.40
$129,000 $736.50 $294.60   $192,000 $957.00 $382.80
$130,000 $740.00 $296.00   $193,000 $960.50 $384.20
$131,000 $743.50 $297.40   $194,000 $964.00 $385.60
$132,000 $747.00 $298.80   $195,000 $967.50 $387.00
$133,000 $750.50 $300.20   $196,000 $971.00 $388.40
$134,000 $754.00 $301.60   $197,000 $974.50 $389.80
$135,000 $757.50 $303.00   $198,000 $978.00 $391.20
$136,000 $761.00 $304.40   $199,000 $981.50 $392.60
$137,000 $764.50 $305.80   $200,000 $985.00 $394.00
$138,000 $768.00 $307.20   $201,000 $988.00 $395.20
$139,000 $771.50 $308.60   $202,000 $991.00 $396.40
$140,000 $775.00 $310.00   $203,000 $994.00 $397.60
$141,000 $778.50 $311.40   $204,000 $997.00 $398.80
$142,000 $782.00 $312.80   $205,000 $1,000.00 $400.00
$143,000 $785.50 $314.20   $206,000 $1,003.00 $401.20
$144,000 $789.00 $315.60   $207,000 $1,006.00 $402.40
$145,000 $792.50 $317.00   $208,000 $1,009.00 $403.60
$146,000 $796.00 $318.40   $209,000 $1,012.00 $404.80
$147,000 $799.50 $319.80   $210,000 $1,015.00 $406.00
$148,000 $803.00 $321.20   $211,000 $1,018.00 $407.20
$149,000 $806.50 $322.60   $212,000 $1,021.00 $408.40
$150,000 $810.00 $324.00   $213,000 $1,024.00 $409.60
$151,000 $813.50 $325.40   $214,000 $1,027.00 $410.80
$152,000 $817.00 $326.80   $215,000 $1,030.00 $412.00
$153,000 $820.50 $328.20   $216,000 $1,033.00 $413.20
$154,000 $824.00 $329.60   $217,000 $1,036.00 $414.40
$155,000 $827.50 $331.00   $218,000 $1,039.00 $415.60
$156,000 $831.00 $332.40   $219,000 $1,042.00 $416.80
$157,000 $834.50 $333.80   $220,000 $1,045.00 $418.00
$158,000 $838.00 $335.20   $221,000 $1,048.00 $419.20
$159,000 $841.50 $336.60   $222,000 $1,051.00 $420.40
$160,000 $845.00 $338.00   $223,000 $1,054.00 $421.60
$161,000 $848.50 $339.40   $224,000 $1,057.00 $422.80
$162,000 $852.00 $340.80   $225,000 $1,060.00 $424.00
$163,000 $855.50 $342.20   $226,000 $1,063.00 $425.20
$164,000 $859.00 $343.60   $227,000 $1,066.00 $426.40
$165,000 $862.50 $345.00   $228,000 $1,069.00 $427.60
$166,000 $866.00 $346.40   $229,000 $1,072.00 $428.80
$167,000 $869.50 $347.80   $230,000 $1,075.00 $430.00
$168,000 $873.00 $349.20   $231,000 $1,078.00 $431.20
$169,000 $876.50 $350.60   $232,000 $1,081.00 $432.40
$170,000 $880.00 $352.00   $233,000 $1,084.00 $433.60
$171,000 $883.50 $353.40   $234,000 $1,087.00 $434.80
$172,000 $887.00 $354.80   $235,000 $1,090.00 $436.00
$173,000 $890.50 $356.20   $236,000 $1,093.00 $437.20
$174,000 $894.00 $357.60   $237,000 $1,096.00 $438.40
$175,000 $897.50 $359.00   $238,000 $1,099.00 $439.60
$176,000 $901.00 $360.40   $239,000 $1,102.00 $440.80
$177,000 $904.50 $361.80   $240,000 $1,105.00 $442.00
 
$241,000 $1,108.00 $443.20   $304,000 $1,295.00 $518.00
$242,000 $1,111.00 $444.40   $305,000 $1,297.50 $519.00
$243,000 $1,114.00 $445.60   $306,000 $1,300.00 $520.00
$244,000 $1,117.00 $446.80   $307,000 $1,302.50 $521.00
$245,000 $1,120.00 $448.00   $308,000 $1,305.00 $522.00
$246,000 $1,123.00 $449.20   $309,000 $1,307.50 $523.00
$247,000 $1,126.00 $450.40   $310,000 $1,310.00 $524.00
$248,000 $1,129.00 $451.60   $311,000 $1,312.50 $525.00
$249,000 $1,132.00 $452.80   $312,000 $1,315.00 $526.00
$250,000 $1,135.00 $454.00   $313,000 $1,317.50 $527.00
$251,000 $1,138.00 $455.20   $314,000 $1,320.00 $528.00
$252,000 $1,141.00 $456.40   $315,000 $1,322.50 $529.00
$253,000 $1,144.00 $457.60   $316,000 $1,325.00 $530.00
$254,000 $1,147.00 $458.80   $317,000 $1,327.50 $531.00
$255,000 $1,150.00 $460.00   $318,000 $1,330.00 $532.00
$256,000 $1,153.00 $461.20   $319,000 $1,332.50 $533.00
$257,000 $1,156.00 $462.40   $320,000 $1,335.00 $534.00
$258,000 $1,159.00 $463.60   $321,000 $1,337.50 $535.00
$259,000 $1,162.00 $464.80   $322,000 $1,340.00 $536.00
$260,000 $1,165.00 $466.00   $323,000 $1,342.50 $537.00
$261,000 $1,168.00 $467.20   $324,000 $1,345.00 $538.00
$262,000 $1,171.00 $468.40   $325,000 $1,347.50 $539.00
$263,000 $1,174.00 $469.60   $326,000 $1,350.00 $540.00
$264,000 $1,177.00 $470.80   $327,000 $1,352.50 $541.00
$265,000 $1,180.00 $472.00   $328,000 $1,355.00 $542.00
$266,000 $1,183.00 $473.20   $329,000 $1,357.50 $543.00
$267,000 $1,186.00 $474.40   $330,000 $1,360.00 $544.00
$268,000 $1,189.00 $475.60   $331,000 $1,362.50 $545.00
$269,000 $1,192.00 $476.80   $332,000 $1,365.00 $546.00
$270,000 $1,195.00 $478.00   $333,000 $1,367.50 $547.00
$271,000 $1,198.00 $479.20   $334,000 $1,370.00 $548.00
$272,000 $1,201.00 $480.40   $335,000 $1,372.50 $549.00
$273,000 $1,204.00 $481.60   $336,000 $1,375.00 $550.00
$274,000 $1,207.00 $482.80   $337,000 $1,377.50 $551.00
$275,000 $1,210.00 $484.00   $338,000 $1,380.00 $552.00
$276,000 $1,213.00 $485.20   $339,000 $1,382.50 $553.00
$277,000 $1,216.00 $486.40   $340,000 $1,385.00 $554.00
$278,000 $1,219.00 $487.60   $341,000 $1,387.50 $555.00
$279,000 $1,222.00 $488.80   $342,000 $1,390.00 $556.00
$280,000 $1,225.00 $490.00   $343,000 $1,392.50 $557.00
$281,000 $1,228.00 $491.20   $344,000 $1,395.00 $558.00
$282,000 $1,231.00 $492.40   $345,000 $1,397.50 $559.00
$283,000 $1,234.00 $493.60   $346,000 $1,400.00 $560.00
$284,000 $1,237.00 $494.80   $347,000 $1,402.50 $561.00
$285,000 $1,240.00 $496.00   $348,000 $1,405.00 $562.00
$286,000 $1,243.00 $497.20   $349,000 $1,407.50 $563.00
$287,000 $1,246.00 $498.40   $350,000 $1,410.00 $564.00
$288,000 $1,249.00 $499.60   $351,000 $1,412.50 $565.00
$289,000 $1,252.00 $500.80   $352,000 $1,415.00 $566.00
$290,000 $1,255.00 $502.00   $353,000 $1,417.50 $567.00
$291,000 $1,258.00 $503.20   $354,000 $1,420.00 $568.00
$292,000 $1,261.00 $504.40   $355,000 $1,422.50 $569.00
$293,000 $1,264.00 $505.60   $356,000 $1,425.00 $570.00
$294,000 $1,267.00 $506.80   $357,000 $1,427.50 $571.00
$295,000 $1,270.00 $508.00   $358,000 $1,430.00 $572.00
$296,000 $1,273.00 $509.20   $359,000 $1,432.50 $573.00
$297,000 $1,276.00 $510.40   $360,000 $1,435.00 $574.00
$298,000 $1,279.00 $511.60   $361,000 $1,437.50 $575.00
$299,000 $1,282.00 $512.80   $362,000 $1,440.00 $576.00
$300,000 $1,285.00 $514.00   $363,000 $1,442.50 $577.00
$301,000 $1,287.50 $515.00   $364,000 $1,445.00 $578.00
$302,000 $1,290.00 $516.00   $365,000 $1,447.50 $579.00
$303,000 $1,292.50 $517.00   $366,000 $1,450.00 $580.00
 
$367,000 $1,452.50 $581.00   $430,000 $1,610.00 $644.00
$368,000 $1,455.00 $582.00   $431,000 $1,612.50 $645.00
$369,000 $1,457.50 $583.00   $432,000 $1,615.00 $646.00
$370,000 $1,460.00 $584.00   $433,000 $1,617.50 $647.00
$371,000 $1,462.50 $585.00   $434,000 $1,620.00 $648.00
$372,000 $1,465.00 $586.00   $435,000 $1,622.50 $649.00
$373,000 $1,467.50 $587.00   $436,000 $1,625.00 $650.00
$374,000 $1,470.00 $588.00   $437,000 $1,627.50 $651.00
$375,000 $1,472.50 $589.00   $438,000 $1,630.00 $652.00
$376,000 $1,475.00 $590.00   $439,000 $1,632.50 $653.00
$377,000 $1,477.50 $591.00   $440,000 $1,635.00 $654.00
$378,000 $1,480.00 $592.00   $441,000 $1,637.50 $655.00
$379,000 $1,482.50 $593.00   $442,000 $1,640.00 $656.00
$380,000 $1,485.00 $594.00   $443,000 $1,642.50 $657.00
$381,000 $1,487.50 $595.00   $444,000 $1,645.00 $658.00
$382,000 $1,490.00 $596.00   $445,000 $1,647.50 $659.00
$383,000 $1,492.50 $597.00   $446,000 $1,650.00 $660.00
$384,000 $1,495.00 $598.00   $447,000 $1,652.50 $661.00
$385,000 $1,497.50 $599.00   $448,000 $1,655.00 $662.00
$386,000 $1,500.00 $600.00   $449,000 $1,657.50 $663.00
$387,000 $1,502.50 $601.00   $450,000 $1,660.00 $664.00
$388,000 $1,505.00 $602.00   $451,000 $1,662.50 $665.00
$389,000 $1,507.50 $603.00   $452,000 $1,665.00 $666.00
$390,000 $1,510.00 $604.00   $453,000 $1,667.50 $667.00
$391,000 $1,512.50 $605.00   $454,000 $1,670.00 $668.00
$392,000 $1,515.00 $606.00   $455,000 $1,672.50 $669.00
$393,000 $1,517.50 $607.00   $456,000 $1,675.00 $670.00
$394,000 $1,520.00 $608.00   $457,000 $1,677.50 $671.00
$395,000 $1,522.50 $609.00   $458,000 $1,680.00 $672.00
$396,000 $1,525.00 $610.00   $459,000 $1,682.50 $673.00
$397,000 $1,527.50 $611.00   $460,000 $1,685.00 $674.00
$398,000 $1,530.00 $612.00   $461,000 $1,687.50 $675.00
$399,000 $1,532.50 $613.00   $462,000 $1,690.00 $676.00
$400,000 $1,535.00 $614.00   $463,000 $1,692.50 $677.00
$401,000 $1,537.50 $615.00   $464,000 $1,695.00 $678.00
$402,000 $1,540.00 $616.00   $465,000 $1,697.50 $679.00
$403,000 $1,542.50 $617.00   $466,000 $1,700.00 $680.00
$404,000 $1,545.00 $618.00   $500,000 $1,785.00 $714.00
$405,000 $1,547.50 $619.00   $550,000 $1,910.00 $764.00
$406,000 $1,550.00 $620.00   $600,000 $2,035.00 $814.00
$407,000 $1,552.50 $621.00   $650,000 $2,160.00 $864.00
$408,000 $1,555.00 $622.00   $700,000 $2,285.00 $914.00
$409,000 $1,557.50 $623.00   $750,000 $2,410.00 $964.00
$410,000 $1,560.00 $624.00   $800,000 $2,535.00 $1,014.00
$411,000 $1,562.50 $625.00   $850,000 $2,660.00 $1,064.00
$412,000 $1,565.00 $626.00   $900,000 $2,785.00 $1,114.00
$413,000 $1,567.50 $627.00   $950,000 $2,910.00 $1,164.00
$414,000 $1,570.00 $628.00   $1,000,000 $3,035.00 $1,214.00
$415,000 $1,572.50 $629.00   $1,500,000 $4,035.00 $1,614.00
$416,000 $1,575.00 $630.00   $1,750,000 $4,535.00 $1,814.00
$417,000 $1,577.50 $631.00   $2,000,000 $5,035.00 $2,014.00
$418,000 $1,580.00 $632.00   $2,250,000 $5,535.00 $2,214.00
$419,000 $1,582.50 $633.00   $2,500,000 $6,035.00 $2,414.00
$420,000 $1,585.00 $634.00   $2,750,000 $6,535.00 $2,614.00
$421,000 $1,587.50 $635.00   $3,000,000 $7,035.00 $2,814.00
$422,000 $1,590.00 $636.00   $3,250,000 $7,535.00 $3,014.00
$423,000 $1,592.50 $637.00   $3,500,000 $8,035.00 $3,214.00
$424,000 $1,595.00 $638.00   $3,750,000 $8,535.00 $3,414.00
$425,000 $1,597.50 $639.00   $4,000,000 $9,035.00 $3,614.00
$426,000 $1,600.00 $640.00   $4,250,000 $9,410.00 $3,764.00
$427,000 $1,602.50 $641.00   $4,500,000 $9,785.00 $3,914.00
$428,000 $1,605.00 $642.00   $4,750,000 $10,160.00 $4,064.00
$429,000 $1,607.50 $643.00   $5,000,000 $10,535.00 $4,214.00
All-Inclusive Rate Plan
Owner’s and Leasehold Policies; Loan Policies if one or more standard exceptions (*) are removed
Basic Rates
For the first $1,000 of liability (or fraction thereof) $190.00
For each additional $1,000 (or fraction thereof) in excess of $1,000 and up to $50,000 $5.00
For each additional $1,000 (or fraction thereof) in excess of $50,000 and up to $100,000 $4.00
For each additional $1,000 (or fraction thereof) in excess of $100,000 and up to $200,000 $3.50
For each additional $1,000 (or fraction thereof) in excess of $200,000 and up to $300,000 $3.00
For each additional $1,000 (or fraction thereof) in excess of $300,000 and up to $1,000,000 $2.50
For each additional $1,000 (or fraction thereof) in excess of $1,000,000 and up to $4,000,000 $2.00
For each additional $1,000 (or fraction thereof) in excess of $4,000,000 and up to $5,000,000 $1.50
For each additional $1,000 (or fraction thereof) in excess of $5,000,000 $1.00
RE-ISSUE CREDITS
(up to the amount of the existing policy)
Effective Date of Existing Policy
Percent of
Basic Rate
Less than 1 year 60%
1-3 Years 40%
3-5 Years 20%
5 Years and over 10%
(Minimum Charge $190.00)
REFINANCE RATE
When a first mortgage loan is refinanced by the same borrower, a rate which is 50% of the Basic Rate will be charged based upon the lesser of: the face amount of the prior first mortgage or the policy to be issued. Any additional coverage in excess of the face amount of the prior first mortgage will be issued at the Basic Rate. If the prior first mortgage is less than one year old and the application of the reissue rate in Section III hereof would result in a lower premium, the lower premium will apply. The minimum charge for a policy issued under this paragraph will be $190.00 under Sections IA and IV, and $200.00 under Section IB. The Company may require that the previous policy or a complete copy thereof be presented to the Company or its agent for review before agreeing to provide the refinance loan rate.

Fidelity Title Company, Bingham Farms, MI
32100 Telegraph Road, Suite 215
Bingham Farms, MI  48025
(248) 642-1115, (248) 642-0935 Fax

© Copyright 2006 Fidelity Title Company Privacy PolicyHMB Group

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