STEWART TITLE GUARANTY COMPANY - Title...

STEWART TITLE GUARANTY COMPANY

RATE MANUAL

FOR

TITLE INSURANCE ON RESIDENTIAL PROPERTY

IN

THE STATE OF WASHINGTON

Effective July 1, 2016

Rate Filing # _____________

This manual is for the use of Stewart Title Guaranty Company's (“Stewart” or

“Underwriter”) Title Insurance Policy Issuing Attorneys, Agents, and Offices. Any other

use or reproduction of this manual is prohibited

All inquiries concerning the charges for title insurance and forms in this manual should be directed

to the following:

John L. Killea

General Counsel

Stewart Title Guaranty Company

1980 Post Oak Blvd.

Houston, Texas 77056

[email protected]

All inquiries concerning the filing of this manual should be directed to the following:

Robert Burns

Vice President, Regulatory Administrator

Stewart Title Guaranty Company

1980 Post Oak Blvd., Suite 710

Houston, Texas 77056

[email protected]

mailto:[email protected]

mailto:[email protected]

Washington State

Rate Filing No. _________

Effective Date: July 1, 2016

2

Table of Contents

1. GENERAL RULES & DEFINITIONS 1.1 Title Insurance on Residential Property 4

1.2 Title Insurance on Commercial Property 4

1.3 Standard vs. Extended 4

2. RATES FOR BASIC INSURANCE PRODUCTS

2.1 Standard Coverage Owner’s Policy 5

2.2 ALTA Homeowner’s Policy of Title Insurance 5

2.3 Extended Coverage Owner’s Policy 5

2.4 Standard Coverage Purchase Money Loan Policy 5

2.5 Extended Coverage Purchase Money Loan Policy 5

2.6 Simultaneous Loan Policies 6

2.7 Refinance or Other Loan Rate 6

2.8 Home Equity Rate 6

2.9 Builder’s and Subdivider’s Rate applicable to King, Pierce, 6

Snohomish and Kitsap Counties

2.10 Subdivision and Development Rate applicable to Skagit County 7

2.11 Multiple Issue/Builder Rate applicable to Clark, Cowlitz, 8

Skamania, Thurston, Wahkiakum, Whatcom, Clallam, Jefferson,

Island, Adams, Asotin, Benton, Chelan, Douglas, Ferry, Franklin,

Grant, Kittitas, Klickitat, Lincoln, Okanogan, Pend Oreille,

Spokane, Stevens, Walla Walla and Whitman Counties

2.12 Multiple Issue rate applicable to Lewis, Columbia, Garfield 9

and Gray’s Harbor Counties

2.13 Multiple Use rate applicable to Mason County 10

2.14 Sub-divider and Builder rate applicable to Yakima County 11

3. SPECIAL RISKS & ADDITIONAL CHARGES

3.1 Tax Title 12

3.2 Additional Examination Charges 12

3.3 No Administration of Decedent’s Estate (Lack of Probate) 12

3.4 Rewritten Policy 13

4 ADDITIONAL PRODUCTS

4.1 Introduction 13

4.2 Trustee’s Sale Guarantee/Litigation Guarantee/Contract Forfeiture 13

4.3 Binder Rates 14

4.4 Chain of Title Report 15

4.5 Subdivision Guarantee 15

4.6 Ownership and Encumbrance and Judgment Report 15

4.7 Secondary Market Short Form Residential Loan Policy 15

4.8 ALTA Expanded Coverage Residential Loan Policy 16

ALTA Short Form Expanded Coverage Residential Loan Policy

5. RATE REDUCTION

5.1 Prior Title Policy applicable to King, Pierce, Snohomish, Kitsap, 16

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Whatcom, Clallam, Jefferson, Island, Clark, Cowlitz, Skamania,

Thurston, Wahkiakum, Adams, Asotin, Benton, Chelan, Douglas,

Ferry, Franklin, Grant, Kittitas, Klickitat, Lincoln, Okanogan, Pend

Oreille, Spokane, Stevens, Walla Walla and Whitman Counties

5.2 Short Term rate applicable to Skagit, Lewis, Columbia, Garfield, 16

Gray’s Harbor, Mason and Yakima Counties

6. ENDORSEMENTS 17

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SECTION ONE

GENERAL RULES AND DEFINITIONS

1.1 Title Insurance on Residential Property

This Manual only applies if the property to be insured is “Residential Property.”

As used in this Manual, the term “Residential Property” means property that is

either (1) not used for and not intended for use for commercial or industrial

purposes, or (2) is used or intended for use for commercial or industrial purposes

but has a value of less than $1,000,000.

This Manual shall be applicable in issuing commitments, owner’s policies, loan

policies, guarantees, endorsements, certificates and other products and services

described herein. Unless otherwise noted, owner’s policies, guarantees and

certificates shall be issued in an amount at least equal to the full value of the

estate or interest insured, without deduction for encumbrances. Owner’s policies

may be issued in an amount greater than the full value of the estate insured to

cover anticipated improvements. Loan policies shall generally be issued in an

amount equal to the amount of the insured loan.

1.2 Title Insurance on Commercial Property

Property that is not “Residential Property” (as defined in Section 1.1 above) shall

be rated pursuant to a separate rate manual for commercial property.

1.3 Standard vs. Extended Coverage

Standard Coverage: Does not insure against matters described under extended

coverage below.

Extended Coverage: Does insure against the following matters:

• Rights or claims of parties in possession not shown by the public

records;

• Public or private easements, or claims of easements, not shown by

the public records;

• Encroachments, overlaps, boundary line disputes, or other matters

which would be disclosed by an accurate survey or inspection of

the premises;

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• Any lien, or right to a lien, for services, labor, or material

heretofore or hereafter furnished, imposed by law and not shown

by the public records, or liens under the Workmen’s

SECTION TWO

RATES FOR BASIC INSURANCE PRODUCTS

All references to “Exhibit A” are to the applicable Exhibit A related to the particular

County.

2.1 Standard Coverage Owner’s Policy

The charge for a standard coverage owner’s policy shall be computed in

accordance with Column 2 of Exhibit A.

2.2 ALTA Homeowner’s Policy of Title Insurance

The charge for an ALTA Homeowner’s Policy of Title Insurance shall be

computed in accordance with Column 3 of Exhibit A.

2.3 Extended Coverage Owner’s Policy

The charge for an extended coverage owner’s policy shall be computed in


2.4 Standard Coverage Purchase Money Loan Policy

The charge for a standard coverage loan policy, for a loan used to purchase

real property, whether or not an Owner’s policy is issued in conjunction with

the transaction, shall be computed in accordance with Column 5 of Exhibit

A.

2.5 Extended Coverage Purchase Money Loan Policy

The charge for an extended coverage loan policy, for a loan used to

purchase real property, whether or not an Owner’s policy is issued in

conjunction with the transaction, shall be computed in accordance with

Column 6 of Exhibit A.

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2.6 Simultaneous Loan Policies

When two or more loan policies are issued simultaneously each such

policy shall be computed and charged separately in accordance with

Columns 5-8 (as applicable) of Exhibit A

2.7 Refinance or Other Loan Rate

When a Standard or Extended coverage Loan Policy is being issued on a

new deed of trust and the loan does not qualify under any other rate in

this section, then the charge for the loan policy shall be computed in


2.8 Home Equity Rate

The charge for a standard coverage loan policy containing special

exceptions for all covenants, conditions, or restrictions, all easements or

other servitudes, and all mineral reservations which appear of record or

indicated on a recorded plat, shall be computed in accordance with


2.9 Builder’s and Subdivider’s Rate applicable to King, Pierce, Snohomish,

Kitsap and San Juan Counties

Title insurance involving the acquisition and development of land for

residential use, residential construction, and sale of newly constructed or

renovated one to four family units, residential condominium units and

manufactured homes will be rated in accordance with the following

schedule (all references to “Exhibit A” are to the applicable Exhibit A

related to the particular County):

2.9.1 The charge for a standard or extended lender’s policy insuring the

development loan, and for owner’s policies issued following the

sale or lease of land developed into subdivided parcels (or to be

developed into four or more building sites) shall be 40% of the

General Schedule Rate as shown in Column 1 of the Exhibit A.

The charge for an owner’s extended coverage policy shall be 50%

of the General Schedule Rate as shown in Column 1 of Exhibit A.

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2.9.2 When a lender’s policy is issued insuring the lien of a mortgage for

financing construction, the charge shall be 35% of the General

Schedule Rate as shown in Column 1 of Exhibit A. There shall be

no surcharge for extended coverage on the lender’s policy.

2.9.3 The charge for a standard coverage owner’s policy to be issued

following the completion of residential construction as described

above will be 27% of the General Schedule Rate as shown in


2.9.4 The charge for a Homeowner’s coverage policy to be issued




2.9.5 The charge for an extended coverage owner’s policy to be issued




NOTE: The minimum charge for a policy issued under this Section shall be

$200.00.

2.10 Subdivision and Development Rate applicable to Skagit County

2.10.1 The charges for an Extended Coverage Loan Policy to insure the

lien of a mortgage for the financing of the construction of single family or

multiple residential units for sale or lease by an insured builder shall be thirty-

five percent (35%) of the General Schedule Rate as shown in Column 1 of the

Exhibit A. ($200 minimum charge).

Note: The above charges are applicable when the Company is to issue owner’s

insurance to the purchasers of the completed units.

2.10.2 The charges for a title insurance policy when an insured owner of a

specific project on land within a single subdivision or governmental section or

adjoining subdivisions or governmental sections which have been divided or are

to be divided into four (4) or more parcels of land.

The rate for insurance to the original purchasers from the developer or sub-

divider or for mortgage insurance covering mortgages placed thereon by the

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developer or sub-divider shall be forty-percent (40%) of the applicable General

Schedule Rate with a minimum charge of $150.00.

2.11 Multiple Issue/Builder Rate applicable to Clark, Cowlitz, Skamania,

Thurston, Wahkiakum, Whatcom, Clallam, Jefferson, Island, Adams, Asotin,

Benton, Chelan, Douglas, Ferry, Franklin, Grant, Kittitas, Klickitat, Lincoln,

Okanogan, Pacific, Pend Oreille, Spokane, Stevens, Walla Walla and Whitman

Counties (all references to “Exhibit A” are to the applicable Exhibit A of the

particular County).

2.11.1 Subdivision of Undeveloped Land.

When undeveloped land is purchased with the intent to subdivide the land into

four or more separate lots or building sites for 1-4 family residences, then the

applicable rate for standard coverage owner’s policy shall be 47% of the amount

shown for a Standard Owner’s policy in Exhibit A for all counties, except the

following: for Whatcom, Clallam, Jefferson and Island -- 45%, for Kittitas and

Spokane -- 40%, for Clark, Cowlitz, Skamania, Wahkiakum – 46% and for

Thurston 49%.

The applicable charge for an extended coverage owner’s policy shall be 50% of

the amount shown for an Extended Owner’s policy on Exhibit A. A minimum

$200 charge shall be applicable to all policies rated under this Section 2.11.1.

2.11.2 Sale of Unimproved Lot.

When an unimproved subdivided lot or building site is sold (or several such lots

or sites are sold together in a group) by the party that subdivided such lot, then

the applicable rate for a standard coverage owner’s policy shall be 47% of the

amount shown for a Standard Owner’s policy in Exhibit A for all counties except

the following: for Whatcom, Clallam, Jefferson and Island -- 45%, for Kittitas

and Spokane -- 40%, for Clark, Cowlitz, Skamania, Wahkiakum – 46% and for

Thurston 49%.

The applicable charge for an extended owner’s policy shall be 50% of the

amount shown for an Extended Owner’s policy on Exhibit A. A minimum $200

charge shall be applicable to all policies rated under this Section.

2.11.3 Construction Loans for New Construction and Renovations.

When a standard or extended coverage loan policy is issued on a construction

loan being made either (a) to develop or construct 1-4 family residential

structures(s) (and/or the infrastructure for one or more such structures, such as

roads, sewer, utilities, etc.), or (b) to complete a major renovation of an existing

1-4 family structure, then the applicable rate for the loan policy shall be 31% of

the amount shown in the Extended Owners Schedule as shown in Column 4 of

the Exhibit A for all counties except the following: for Whatcom, Clallam,

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Jefferson, Island, Clark, Cowlitz, Skamania, Wahkiakum --30%, for Kittitas and

Spokane -- 27%, and for Thurston 33%. A minimum $200 charge shall be

applicable to all policies rated under this Section.

2.11.4 Original Sale of Newly Constructed or Renovated Structures.

When a newly constructed or newly renovated 1-4 family residential structure is

sold by the builder/renovator thereof then the applicable rate for a standard

coverage owner’s policy shall be 40% of the amount shown for a Standard

Owner’s policy in Exhibit A for all counties except the following: for Whatcom,

Clallam, Jefferson and Island --39%, for Kittitas and Spokane -- 35%, and for

Thurston 42%. The applicable rate for an extended coverage owner’s policy shall

be 50% of the amount shown for an Extended Owner’s policy in Exhibit A. The

applicable rate for a Homeowner’s policy shall be 47% of the amount shown for

a Homeowner’s policy in Exhibit A except the following: for Whatcom,

Clallam, Jefferson and Island -- 46%, for Kittitas and Spokane -- 41%. A

minimum $200 charge shall be applicable to all policies rated under this Section.

2.12 Multiple Issue rate applicable to Lewis, Columbia, Garfield and Gray’s

Harbor Counties

The Multiple Issue Rate is available to an insured owner of a specific project

within a single subdivision or governmental section or adjoining subdivisions or

governmental sections which are to be divided into three or more separate lots or

building sites, or an owner-developer who builds for resale.

The charge for extended coverage title insurance for a purchase and/or

development loan to the sub-divider will be 40% of the General Schedule Rate as

shown in Column 1 of the Exhibit A for Lewis County, 60% for Columbia and

Garfield Counties and 70% for Gray’s Harbor County.

The charge for title insurance for a standard coverage owner’s policy issued upon

conveyance of the lot by the sub-divider will be 40% of the General Schedule

Rate as shown in Column 1 of the Exhibit A for all counties.

The charge for title insurance for a mortgage policy insuring the construction

loan will be 40% of the General Schedule Rate as shown in Column 1 of the

Exhibit A for Lewis County and 45% for Columbia, Garfield and Gray’s Harbor

Counties.

The charge for an owner’s policy to a purchaser from the builder who executed

the construction loan, following completion of the construction will be 40% of

the General Schedule Rate as shown in Column 1 of the Exhibit A for standard

coverage, (all counties) and 40% of General Schedule Rate as shown in Column

1 of the Exhibit A Rate for Extended Coverage for Lewis County and 60% for

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Columbia, Garfield and Gray’s Harbor Counties. The minimum fee for policies

and plat certificates issued under this subsection will be $200.00.

2.13 Multiple Use rate applicable to Mason County

The multiple issue rate is available to an insured owner developing land into

separate lots or building sites (“Developer’s Rate”) or to an insured owner

building single family or multiple residential units (“Builder’s Rate”).

1. Developer’s Rate: The rate for a standard coverage Owner’s policy to the

original purchaser from the developer or sub-divider or for mortgage insurance

covering mortgages placed thereon by the developer or sub-divider shall be rated

as follows:

40% of the Applicable Rate. Minimum charge is $175.00.

The additional charge for extended coverage as set forth in this schedule, shall be

rated under that section, and shall not be subject to the reductions set forth in this

section.

As used in this section, the “original purchaser’ shall be construed to mean both

the first purchaser of a particular lot or lots, or all of the lots, from the original

developer/sub-divider, and any purchaser of a lot or lots, but not all of the lots,

from an insured seller who previously acquired all of the lots in a particular

subdivision, but was not the original sub-divider.

2. Builder’s Rate: For a Loan policy insuring a construction loan on a lot or

tract:

A. Which is a standard coverage Loan policy, the rate shall be 40%

of the General Schedule Rate as shown in Column 1of the Exhibit A with a

minimum of $200.

B. Which is an extended coverage Loan policy, the rate shall be 45%

of the General Schedule Rate as shown in Column 1of the Exhibit A with a

minimum of $200.00

3. Builder’s Rate: For an Owner’s policy to a purchaser from an insured

owner who builds for resale, following completion of construction:

A. Which is a standard coverage Owner’s policy, 40% of the

Applicable Rate with a minimum of $200.00.

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B. Which is an extended coverage Owner’s policy, 70% of the

Applicable Rate with a minimum of $350.00.

C. Which is an ALTA Homeowner’s policy, 44% of the Applicable

Rate with a minimum of $220.00.

2.14 Sub-divider and Builder rate applicable to Yakima County

1. The Sub-Divider’s Rate is available to an insured developer or sub-divider of

a specific project on land within a single subdivision or governmental section

or adjoining subdivisions or governmental sections which have been divided

or are to be divided into four (4) or more separate lots or building sites.

The rate for insurance to the original purchasers from the developer or sub-

divider or for mortgage insurance covering mortgages placed thereon by the

developer or sub-divider shall be 60% of the General Schedule Rate, with a

minimum of $150.00

Note: The charge for Extended Coverage Policies set forth in this manual, shall

be 30% of the rate set forth above with a minimum of $150.00.

Builder’s Rate applicable to Yakima County

The Builder’s Rate is available to an insured builder (or one which has purchased

a lot or lots from an insured developer) of single family or multiple residential

units for sale or lease.

A. This rate contemplates;

1. Issuance of Mortgagee’s insurance covering a construction loan that is either

an Extended Coverage or Standard Coverage, plus,

2. Issuance of Standard Coverage Owner’s Policy to the Purchasers of the unit.

3. Issuance of a final Mortgagee’s Policy, that is either Standard Coverage or

Extended Coverage covering a take-out loan executed by the purchaser,

EXCEPT that this Policy will not be necessary if the purchaser:

a. Pays all cash;

b. Assumes the construction loan;

c. Purchases under real estate contract.

NOTE: It is not necessary that the policies under A-2 and A-3, above be issued by the

same insurer which issued the policy in A-1 in order to apply this rate.

B. For a Mortgage Policy insuring a construction loan on a lot or tract:

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Which is an Extended Coverage Loan Policy, the rate shall be 40% of the

General Schedule Rate, with a minimum of $200.00.

C. For an Owner’s Policy to a purchaser from the builder who executed the

construction loan, following completion of construction;

Which is a Standard Coverage Owner’s Policy, the rate shall be 40% of the

General Schedule Rate, with a minimum of $200.00.

SECTION THREE

SPECIAL RISKS AND ADDITIONAL CHARGES

Title insurance, under the following circumstances, shall be considered a special risk and

shall be rated as follows:

3.1 Tax Title

The charge for insuring any title within three (3) years after the issuance of a

deed resulting from an action foreclosing the lien of delinquent real property

taxes or a local improvement district assessment shall be 120% of the applicable

amount for the transaction calculated in accordance with Exhibit A.

3.2 Additional Examination Charges

3.3.1 Additional Parcels. $100 for each additional parcel over one (i.e., more

than one section, donation claim or plat, or combination thereof).

3.3.2 Easements. $50 for each appurtenant easement insured as a part of the

legal description.

3.3 No Administration of Decedent’s Estate (Lack of Probate).

In selected cases, the Company may agree to issue insurance even though there

has been no administration of a decedent’s estate. Such insurance must be based

on adequate proofs of heirship, indebtedness and related matters. If the policy is

issued within six (6) years of the decedent’s death, there shall be an additional

charge of 100% of the applicable charge calculated under Exhibit A. If the

policy is issued more than six (6) years but less than ten (10) years following the

decedent’s death, the additional charge shall be 50% of the applicable charge

calculated under Exhibit A. If the policy is issued more than ten (10) years after

the decedent’s death, there is no additional charge. This section shall not apply

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in the event the property was held as community property or as joint tenants and

one of the persons in title died without a probate of his or her estate.

3.4 Rewritten Policy

The charge for rewriting or retyping a policy as of the date of its original

issuance to replace a lost or destroyed policy shall be $50.

SECTION FOUR

ADDITIONAL PRODUCTS

4.1 Introduction

The insurance products described in Sections 4.2 through 4.8 shall be available at

the charges described below. None of the rate reductions described in Section

Five shall apply to these products unless specifically noted below. References to

the “General Schedule Rate” shall mean the applicable rate set forth in Column 1

of Exhibit A.

4.2 Trustee’s Sale Guarantee/Litigation Guarantee/Contract Forfeiture

4.2.1. Trustee’s Sale Guarantee. The charge for a trustee’s sale

guarantee shall be 100% of the General Schedule Rate based upon

the outstanding balance of the deed of trust in default. The charge

shall include two (2) continuation endorsements within twelve

(12) months from the date of guarantee at the request of the

applicant. The charge for additional continuation endorsements

will be one hundred dollars each. Where multiple deeds of trust

executed by the same grantor cover land in the same plat or

subdivision and the beneficiary is the same, the charge shall be

based on the aggregate balance of the deeds of trust, plus $75 for

each deed of trust over one.

4.2.2 Litigation Guarantee. The charge for a litigation guarantee shall

be 100% of the General Schedule Rate based upon the

outstanding balance of the deed of trust, mortgage, lien or contract

which is the subject of the action, or in those instances where the

action does not involve foreclosures or forfeiture, the charge shall

be 100% of the General Schedule Rate, based upon the value of

the estate or interest involved. The charge shall include two (2)

continuation endorsements within twelve months from the date of

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the Guarantee, at the request of the applicant. The charge for

additional continuation endorsements within the twelve months

from the date of the Guarantee will be $100 each.

4.2.3 Contract Forfeiture Guarantee. The charge for a contract

forfeiture guarantee shall be 100% of the General Schedule Rate,

based upon the outstanding balance of the contract being forfeited

and shall include one (1) continuation endorsement at the time of

filing the notice of intent to forfeit. The charge for additional

date-down endorsements will be $100.

4.2.4 Insuring Owner Following Foreclosure, Trustee’s Sale or Deed in

Lieu.

In the event the Company has issued a Trustee’s Sale Guaranty on

the property, and the defaulted encumbrance was previously

insured by the Company or another title insurance company, then

the charge for owner’s insurance to the beneficiary following

foreclosure, trustee’s sale or deed in lieu shall be computed as

follows:

In the event the owner’s policy liability amount is equal to or less

than the liability amount of the guarantee, then the charge for the

owner’s policy shall be zero. In the event the owner’s policy

liability amount exceeds the liability amount of the guarantee, the

charge for the owner’s policy shall be calculated by taking the

difference in liability amounts and applying either Column 2, 3 or

4 (as applicable) of Exhibit A.

4.3 Binder Rates

A title commitment in the form of a binder may be issued for the purpose of

providing title insurance to the current owner and committing to insure a sale of

the subject property to an ultimate purchaser. The binder will be issued to the

current owner of the property in lieu of a policy of title insurance. The binder

commits the Company to issue an owner’s policy to the ultimate purchaser,

provided the sale to the ultimate purchaser is recorded within ninety (90) days

from the date of the binder. Items affecting the title which intervene between the

binder date and the policy date must be cleared or shown as exceptions in the

policy to the ultimate purchaser. If the sale is not recorded within ninety (90)

days of the date of the binder, the policy of title insurance will automatically be

issued (as of the date of the binder) insuring the assured named in the binder in

the amount of the binder.

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The charge for a binder to issue an owner’s policy based on the full value of the

initial sale shall be 110% of the amounts set forth in Columns 2-4 (as applicable)

of Exhibit A. The minimum charge shall be $350.

If the resale amount is in excess of the binder amount, the charge for the

additional amount of insurance shall be the difference between the rate

applicable to the amount of the outstanding binder and the rate applicable to the

amount of the policy to be issued. When a beneficiary of a deed of trust requests

a binder after receiving a trustee’s sale guarantee from the Company, the charge

for the binder shall be 10% of the rate calculated pursuant to Columns 2-4 (as

applicable) of Exhibit A. (minimum $100).

4.4 Chain of Title Report

This report shows the recorded instruments purporting to transfer title to a

particular parcel of land as filed with the county auditor. The charge for the

report shall be $150.

4.5 Subdivision Guarantee

This guarantee reports documents recorded against a particular parcel of land

required for the application of plat, short plat or boundary line adjustment. The

charge for this guarantee shall be $300.00

4.6 Ownership and Encumbrance and Judgment Report

This report reports the last recorded instrument purporting to transfer title, any

recorded monetary encumbrances and filed judgments. The charge for the report

shall be $250.

4.7 Secondary Market Short Form Residential Loan Policy

Range of Liability Fee:

Up to $ 100,000.00 of liability written: $ 350.00

Over $ 100,001.00 and up to $ 250,000.00 $ 450.00

Over $ 250,001.00 and up to $ 500,000.00 $ 600.00

Over $ 500,001.00 and up to $ 750,000.00 $ 850.00

Over $ 750,001.00 and up to $1,000,000.00 $ 1,100.00

Over $1,000,001.00 and up to $1,250,000.00 $ 1,500.00

Over $1,250,001.00 and up to $1,500,000.00 $ 1,700.00

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4.8 ALTA Expanded Coverage Residential Loan Policy

ALTA Short Form Expanded Coverage Residential Loan Policy

The charge for the ALTA Expanded Coverage Residential Loan Policy and the

ALTA Short Form Expanded Coverage Residential Loan Policy is 110% of the

amount computed in accordance with Column 5 of Exhibit A, plus any additional

charges for endorsements, if any, issued separately or included in the ALTA

Expanded Coverage Residential Loan Policy coverages.

SECTION FIVE

RATE REDUCTION

5.1 Prior Title Policy applicable to King, Pierce, Snohomish, Kitsap, Whatcom,

Clallam, Jefferson,, Island, Clark, Cowlitz, Skamania, Thurston, Wahkiakum,

Adams, Asotin, Benton, Chelan, Douglas, Ferry, Franklin, Grant, Kittitas,

Klickitat, Lincoln, Okanogan, Pacific, Pend Oreille, San Juan, Spokane, Stevens,

Walla Walla and Whitman Counties

If a prior owner’s or loan policy of title insurance is provided to the Company at

the time a new title order is placed, and the prior policy covers all of the same

property being insured in the new policy, then the charge for the new policy shall

be discounted by 10% from the amount computed in accordance with Exhibit A.

This discount shall only apply if the prior policy is a “long form” policy and

includes specific exceptions for matters of record, including Auditor’s file

numbers and related information. If the new order involves both an owner’s and

a loan policy, the 10% discount shall only apply to the owner’s policy. If the

order involves two or more loan policies, the 10% discount shall apply only to

the highest priced loan policy.

5.2 Short Term rate applicable to Skagit, Lewis, Columbia, Garfield, Gray’s

Harbor, Mason and Yakima Counties

If a title insurance policy or guarantee has been issued by any title insurer and

within three years for all counties except Mason and Skagit Counties, application

is made for a new policy or guarantee, the charge shall be 80% of the Residential

Rate. In Mason County, the application shall have been made within five years

if the prior policy or guarantee was issued by a different company and ten years

if issued by the same company. In Skagit, the application for a new policy shall

be within five years. In no case shall the charge be reduced to less than $200 for

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Lewis, Columbia, Garfield, Gray’s Harbor counties, $260 for Yakima County,

$270 for Skagit County and $300 for Mason County. The reduction in rate

provided for herein shall not be applied to the charge for any applicable special

risks.

SECTION SIX

ENDORSEMENTS

Endorsement charges shall be based on a separate rate filing for endorsements.

EXHIBIT AYakima County

Rate Filing No: ______Effective Date: July 1, 2016

1 2 3 4 5 6 7 8 9 10

Liability AmountGeneral

Schedule Rate

Standard Owners

Home owner's Policy

Extended Owners

Standard Loan

Extended Loan

Refinance Home Equity

$0 to $50,000 $431 $431 $474 $560 $261 $287 $258 $137

$50,001 to $100,000 $588 $588 $647 $764 $304 $334 $353 $215

$100,001 to $150,000 $693 $693 $762 $901 $332 $365 $416 $268

$150,001 to $200,000 $798 $798 $878 $1,037 $361 $397 $479 $320

$200,001 to $250,000 $903 $903 $993 $1,174 $389 $428 $542 $373

$250,001 to $300,000 $1,008 $1,008 $1,109 $1,310 $418 $460 $605 $425

$300,001 to $350,000 $1,113 $1,113 $1,224 $1,447 $447 $491 $668 $478

$350,001 to $400,000 $1,218 $1,218 $1,340 $1,583 $475 $523 $731 $530

$400,001 to $450,000 $1,323 $1,323 $1,455 $1,720 $504 $554 $794 $583

$450,001 to $500,000 $1,428 $1,428 $1,571 $1,856 $533 $586 $857 $635

$500,001 to $550,000 $1,533 $1,533 $1,686 $1,993 $561 $617 $920 $688

$550,001 to $600,000 $1,638 $1,638 $1,802 $2,129 $590 $649 $983 $740

$600,001 to $650,000 $1,743 $1,743 $1,917 $2,266 $619 $680 $1,046 $793

$650,001 to $700,000 $1,848 $1,848 $2,033 $2,402 $647 $712 $1,109 $845

$700,001 to $750,000 $1,953 $1,953 $2,148 $2,539 $676 $743 $1,172 $898

$750,001 to $800,000 $2,058 $2,058 $2,264 $2,675 $704 $775 $1,235 $950

$800,001 to $850,000 $2,163 $2,163 $2,379 $2,812 $733 $806 $1,298 $1,003

$850,001 to $900,000 $2,268 $2,268 $2,495 $2,948 $762 $838 $1,361 $1,055

$900,001 to $950,000 $2,373 $2,373 $2,610 $3,085 $790 $869 $1,424 $1,108

$950,001 to $1,000,000 $2,478 $2,478 $2,726 $3,221 $819 $901 $1,487 $1,160

$1,000,001 to $1,050,000 $2,554 $2,554 $2,810 $3,320 $840 $924 $1,487 NA

$1,050,001 to $1,100,000 $2,630 $2,630 $2,893 $3,419 $861 $947 $1,487 NA

$1,100,001 to $1,150,000 $2,706 $2,706 $2,977 $3,518 $881 $969 $1,487 NA

$1,150,001 to $1,200,000 $2,783 $2,783 $3,061 $3,617 $902 $992 $1,487 NA

$1,200,001 to $1,250,000 $2,859 $2,859 $3,144 $3,716 $923 $1,015 $1,487 NA

$1,250,001 to $1,300,000 $2,935 $2,935 $3,228 $3,815 $944 $1,038 $1,487 NA

$1,300,001 to $1,350,000 $3,011 $3,011 $3,312 $3,914 $964 $1,061 $1,505 NA

$1,350,001 to $1,400,000 $3,087 $3,087 $3,396 $4,013 $985 $1,084 $1,544 NA

$1,400,001 to $1,450,000 $3,163 $3,163 $3,479 $4,112 $1,006 $1,106 $1,582 NA

$1,450,001 to $1,500,000 $3,239 $3,239 $3,563 $4,211 $1,027 $1,129 $1,620 NA

$1,500,001 to $1,550,000 $3,315 $3,315 $3,647 $4,310 $1,047 $1,152 $1,658 NA

$1,550,001 to $1,600,000 $3,392 $3,392 $3,731 $4,409 $1,068 $1,175 $1,696 NA

$1,600,001 to $1,650,000 $3,468 $3,468 $3,814 $4,508 $1,089 $1,198 $1,734 NA

$1,650,001 to $1,700,000 $3,544 $3,544 $3,898 $4,607 $1,110 $1,221 $1,772 NA

$1,700,001 to $1,750,000 $3,620 $3,620 $3,982 $4,706 $1,130 $1,243 $1,810 NA

$1,750,001 to $1,800,000 $3,696 $3,696 $4,066 $4,805 $1,151 $1,266 $1,848 NA

$1,800,001 to $1,850,000 $3,772 $3,772 $4,149 $4,904 $1,172 $1,289 $1,886 NA

$1,850,001 to $1,900,000 $3,848 $3,848 $4,233 $5,003 $1,193 $1,312 $1,924 NA

$1,900,001 to $1,950,000 $3,924 $3,924 $4,317 $5,102 $1,213 $1,335 $1,962 NA

$1,950,001 to $2,000,000 $4,001 $4,001 $4,401 $5,201 $1,234 $1,358 $2,000 NA

over $2,000,000

add $72.50 for every $50,000 - Over $5

million add $62.50 for

every $50,000.

add $72.50 for every $50,000 - Over $5

million add $62.50 for

every $50,000.

add a 10% surcharge to

the applicable rate as shown in the General

Schedule

add a 30% surcharge to

the applicable

rate as shown in

the General Schedule.

add $20 for every

$50,000 over $2 million

add $22 for every

$50,000 over $2 million

50% of the applicable

rate as shown in the

General Schedule.

N/A

OWNER'S POLICIES LOAN POLICIES

All rates and applicable discounts will be rounded to the next whole dollar.

STEWART TITLE GUARANTY COMPANY - Title...

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