STEWART TITLE GUARANTY COMPANY
SCHEDULE OF CHARGES AND FORMS
FOR
TITLE INSURANCE IN
THE STATE OF NEVADA
This manual is for the use of Stewart Title Guaranty
Company's (“Stewart” or “Underwriter”) Title Insurance
Policy Issuing Affiliated Offices (Stewart Title Company) in
the State of Nevada. 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
1360 Post Oak Blvd., Suite 100-MC#14-1
Houston, Texas 77056
All inquiries concerning the filing of this manual should be directed to the following:
Julia Wycliff
Rates & Forms Specialist
Stewart Title Guaranty Company
1360 Post Oak Blvd., Suite 100-MC#14-1
Houston, Texas 77056
Last Updated: May 23, 2022
Effective Date: July 29, 2022
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 2
For Use By Stewart Title Company
Stewart Title Guaranty Company – Nevada
TABLE OF CONTENTS
Page
1. ORIGINAL ISSUE CHARGES FOR OWNER’S OR LOAN POLICIES ..................................................... 3
a. Zone 1: These charges apply to Elko, White Pine, Lander and Eureka Counties only ......................... 3
b. Zone 2: These charges apply to Clark, Lincoln and Nye Counties only. ............................................... 4
c. (Zone 3) These Charges apply to Washoe, Lyon, Douglas, Storey, Churchill, Mineral, Esmeralda,
Carson City, Humboldt and Pershing Counties only .................................................................................. 5
d. Other Charges ........................................................................................................................................ 6
2. REISSUE OF OWNER’S INSURANCE ..................................................................................................... 6
3. UNDIVIDED INTEREST, TRANSFER OF ................................................................................................. 6
4. SALE OF ONE PARCEL WITH A LOAN ON MORE THAN ONE PARCEL .............................................. 7
5. PARTIAL EXTENDED COVERAGE FOR OWNER ................................................................................... 7
6. SALE WITH A BINDER TO INSURE RESALE .......................................................................................... 7
7. ADDITIONAL COVERAGES AND COMBINATION POLICIES ................................................................. 8
8. PARTIAL EXTENDED COVERAGE FOR LENDER .................................................................................. 8
9. REFINANCE CHARGES ............................................................................................................................ 8
10. CHARGES FOR SIMULTANEOUS ISSUANCE OF POLICIES ................................................................ 9
A. Simultaneous Issuance of Owner’s And Loan Policies: ......................................................................... 9
B. Simultaneous Issuance of Owner’s And Leasehold Owner’s Policies: ................................................ 10
C. Simultaneous Issuance of Standard Loan Policy in Connection with an Extended Loan Policy (Zone 2
only): ......................................................................................................................................................... 10
11. SUBDIVISION (DEVELOPMENT) CHARGE ........................................................................................... 10
12. PLANNED MAJOR PROJECTS ............................................................................................................... 11
13. COMMERCIAL LEASEHOLD .................................................................................................................. 13
14. SPECIAL LAND USE AND DEVELOPMENT .......................................................................................... 14
15. RESIDENTIAL LIMITED COVERAGE JUNIOR LOAN POLICY.............................................................. 14
16. ADDITIONAL DISCOUNTS ...................................................................................................................... 14
17. ADDITIONAL CHARGES ......................................................................................................................... 15
18. GUARANTEES, REPORTS AND SERVICES ......................................................................................... 17
19. CANCELLATION FEE .............................................................................................................................. 19
20. RISK RATE ............................................................................................................................................... 19
21. CLOSING PROTECTION LETTERS ....................................................................................................... 19
22. ALTA RESIDENTIAL LIMITED COVERAGE MORTGAGE MODIFICATION POLICY .......................... 20
23. ENDORSEMENTS ................................................................................................................................... 20
SCHEDULE A .................................................................................................................................................. 25
1.Centralized Processing Refinance And Loan Rate For Issuance Of An Alta Short Form Residential
Loan Policy ............................................................................................................................................... 25
2. Limited Coverage STG Home Equity Loan Policy ............................................................................... 25
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 3
For Use By Stewart Title Company
1. ORIGINAL ISSUE CHARGES FOR OWNER’S OR LOAN POLICIES
a. Zone 1: These charges apply to Elko, White Pine, Lander and Eureka Counties only
Amount of Liability
(Basic Charge)
Standard
Owner’s/
Extended Loan
Standard
Loan/Short Term
(3 years or less)
Simultaneous
Extended Loan
Policy w/Owner’s at
Full Value
$1
to
$50,000
$ 525
$420
$263
$50,001
to
$100,000
$750
$600
$375
$100,001
to
$150,000
$900
$720
$450
$150,001
to
$200,000
$1,075
$860
538
$200,001
to
$250,000
$1,250
$1,000
$625
$250,001
to
$300,000
$1,300
$1,040
$650
$300,001
to
$350,000
$1,400
$1,120
$700
$350,001
to
$400,000
$1,550
$1,240
$775
$400,001
to
$450,000
$1,700
$1,360
$850
$450,001
to
$500,000
$1,850
$1,480
$925
$500,001
to
$550,000
$2,000
$1,600
$1,000
$550,001
to
$600,000
$2,150
$1,720
$1,075
$600,001
to
$650,000
$2,300
$1,840
$1,150
$650,001
to
$700,000
$2,450
$1,960
$1,225
$700,001
to
$750,000
$2,600
$2,080
$1,300
$750,001
to
$800,000
$2,750
$2,200
$1,375
$800,001
to
$850,000
$2,900
$2,320
$1,450
$850,001
to
$900,000
$3,050
$2,440
$1,525
$900,001
to
$950,000
$3,200
$2,560
$1,600
$950,001
to
$1,000,000
$3,350
$2,680
$1,675
$1,000,001
to
$1,050,000
$3,475
$2,780
$1,738
$1,050,001
to
$1,100,000
$3,600
$2,880
$1,800
$1,100,001
to
$1,150,000
$3,725
$2,980
$1,863
$1,150,001
to
$1,200,000
$3,850
$3,080
$1,925
$1,200,001
to
$1,250,000
$3,975
$3,180
$1,988
$1,250,001
to
$1,300,000
$4,100
$3,280
$2,050
$1,300,001
to
$1,350,000
$4,225
$3,380
$2,113
$1,350,001
to
$1,400,000
$4,350
$3,480
$2,175
$1,400,001
to
$1,450,000
$4,475
$3,580
$2,238
$1,450,001
to
$1,500,000
$4,600
$3,680
$2,300
$1,500,001
to
$1,550,000
$4,725
$3,780
$2,363
$1,550,001
to
$1,600,000
$4,850
$3,880
$2,425
$1,600,001
to
$1,650,000
$4,975
$3,980
$2,488
$1,650,001
to
$1,700,000
$5,100
$4,080
$2,550
$1,700,001
to
$1,750,000
$5,225
$4,180
$2,613
$1,750,001
to
$1,800,000
$5,350
$4,280
$2,675
$1,800,001
to
$1,850,000
$5,475
$4,380
$2,738
$1,850,001
to
$1,900,000
$5,600
$4,480
$2,800
$1,900,001
to
$1,950,000
$5,725
$4,580
$2,863
$1,950,001
to
$2,000,000
$5,850
$4,680
$2,925
For policy amounts over $2,000,000 please contact the local office.
The charges set forth are minimum fees.
Additional charges will apply for unusual conditions and/or special services.
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 4
For Use By Stewart Title Company
b. Zone 2: These charges apply to Clark, Lincoln and Nye Counties only.
Amount of Liability
(Basic Charge)
Standard
Owner’s/
Extended Loan
Standard
Loan/Short Term
(3 years or less)
Simultaneous
Extended Loan
Policy w/Owner’s at
Full Value
$1
to
$50,000
$520
$520
$520
$50,001
to
$100,000
$625
$520
$520
$100,001
to
$150,000
$885
$708
$520
$150,001
to
$200,000
$950
$760
$570
$200,001
to
$250,000
$1,130
$904
$678
$250,001
to
$300,000
$1,275
1020
$765
$300,001
to
$350,000
$1,400
$1,120
$840
$350,001
to
$400,000
$1,550
$1,240
$930
$400,001
to
$450,000
$1,700
$1,360
$1,020
$450,001
to
$500,000
$1,850
$1,480
$1,110
$500,001
to
$550,000
$2,000
$1,600
$1,200
$550,001
to
$600,000
$2,150
$1,720
$1,290
$600,001
to
$650,000
$2,300
$1,840
$1,380
$650,001
to
$700,000
$2,450
$1,960
$1,470
$700,001
to
$750,000
$2,600
$2,080
$1,560
$750,001
to
$800,000
$2,750
$2,200
$1,650
$800,001
to
$850,000
$2,900
$2,320
$1,740
$850,001
to
$900,000
$3,050
$2,440
$1,830
$900,001
to
$950,000
$3,200
$2,560
$1,920
$950,001
to
$1,000,000
$3,350
$2,680
$2,010
$1,000,001
to
$1,050,000
$3,500
$2,800
$2,100
$1,050,001
to
$1,100,000
$3,650
$2,920
$2,190
$1,100,001
to
$1,150,000
$3,800
$3,040
$2,280
$1,150,001
to
$1,200,000
$3,950
$3,160
$2,370
$1,200,001
to
$1,250,000
$4,100
$3,280
$2,460
$1,250,001
to
$1,300,000
$4,250
$3,400
$2,550
$1,300,001
to
$1,350,000
$4,400
$3,520
$2,640
$1,350,001
to
$1,400,000
$4,550
$3,640
$2,730
$1,400,001
to
$1,450,000
$4,700
$3,760
$2,820
$1,450,001
to
$1,500,000
$4,850
$3,880
$2,910
$1,500,001
to
$1,550,000
$5,000
$4,000
$3,000
$1,550,001
to
$1,600,000
$5,150
$4,120
$3,090
$1,600,001
to
$1,650,000
$5,300
$4,240
$3,180
$1,650,001
to
$1,700,000
$5,450
$4,360
$3,270
$1,700,001
to
$1,750,000
$5,600
$4,480
$3,360
$1,750,001
to
$1,800,000
$5,750
$4,600
$3,450
$1,800,001
to
$1,850,000
$5,900
$4,720
$3,540
$1,850,001
to
$1,900,000
$6,050
$4,840
$3,630
$1,900,001
to
$1,950,000
$6,200
$4,960
$3,720
$1,950,001
to
$2,000,000
$6,350
$5,080
$3,810
For policy amounts over $2,000,000 up to
$5,000,000 add amount per thousand
$2.00
$1.60
$1.20
For amounts over $5,000,000 please contact the local office.
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 5
For Use By Stewart Title Company
c. (Zone 3) These Charges apply to Washoe, Lyon, Douglas, Storey, Churchill, Mineral,
Esmeralda, Carson City, Humboldt and Pershing Counties only
Amount of Liability
(Basic Charge)
Standard
Owner’s/
Extended Loan
Standard
Loan/Short Term
(3 years or less)
Simultaneous
Extended Loan
Policy w/Owner’s at
Full Value
$1
to
$50,000
608
486
335
$50,001
to
$100,000
747
597
411
$100,001
to
$150,000
901
721
496
$150,001
to
$200,000
1,056
845
581
$200,001
to
$250,000
1,195
956
657
$250,001
to
$300,000
1,339
1,071
736
$300,001
to
$350,000
1,452
1,162
799
$350,001
to
$400,000
1,560
1,248
859
$400,001
to
$450,000
1,674
1,339
921
$450,001
to
$500,000
1,782
1,426
981
$500,001
to
$550,000
1,895
1,516
1,042
$550,001
to
$600,000
2,009
1,607
1,105
$600,001
to
$650,000
2,112
1,689
1,162
$650,001
to
$700,000
2,225
1,780
1,224
$700,001
to
$750,000
2,343
1,875
1,290
$750,001
to
$800,000
2,451
1,961
1,348
$800,001
to
$850,000
2,565
2,052
1,411
$850,001
to
$900,000
2,673
2,138
1,471
$900,001
to
$950,000
2,781
2,225
1,530
$950,001
to
$1,000,000
2,894
2,315
1,592
$1,000,001
to
$1,050,000
2,962
2,370
1,629
$1,050,001
to
$1,100,000
3,053
2,443
1,680
$1,100,001
to
$1,150,000
3,144
2,515
1,729
$1,150,001
to
$1,200,000
3,234
2,587
1,779
$1,200,001
to
$1,250,000
3,325
2,660
1,829
$1,250,001
to
$1,300,000
3,415
2,733
1,879
$1,300,001
to
$1,350,000
3,506
2,806
1,929
$1,350,001
to
$1,400,000
3,597
2,878
1,979
$1,400,001
to
$1,450,000
3,687
2,950
2,028
$1,450,001
to
$1,500,000
3,778
3,023
2,079
$1,500,001
to
$1,550,000
3,869
3,095
2,128
$1,550,001
to
$1,600,000
3,959
3,168
2,178
$1,600,001
to
$1,650,000
4,050
3,240
2,228
$1,650,001
to
$1,700,000
4,141
3,312
2,277
$1,700,001
to
$1,750,000
4,231
3,386
2,328
$1,750,001
to
$1,800,000
4,322
3,458
2,377
$1,800,001
to
$1,850,000
4,413
3,531
2,428
$1,850,001
to
$1,900,000
4,503
3,603
2,477
$1,900,001
to
$1,950,000
4,594
3,675
2,527
$1,950,001
to
$2,000,000
4,684
3,748
2,577
For policy amounts over $2,000,000 up to
$5,000,000 add amount per thousand
$1.80
$1.44
$1.05
For amounts over $5,000,000 please contact the local office.
When a rate for a policy, guarantee or endorsement is not an even dollar amount, the rate
shall be rounded up to the nearest dollar. A rate that is a percentage of the Basic Charge
shall be calculated from the unrounded rate amount with rounding done after all other
calculations have been determined.
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 6
For Use By Stewart Title Company
d. Other Charges:
1. Extended Owner’s Policy: 140% of Basic Charge
2. Homeowner’s Policy of Title Insurance for a 1 to 4 family residence or an ALTA
Expanded Coverage Residential Loan Policy: 110% of Basic Charge
2. REISSUE OF OWNER’S INSURANCE
ZONE 1: Reissued where no transaction is involved (no time limit). The charge shall be 50%
of the Basic Charge.
ZONE 2: Reissued where no transaction is involved (no time limit). The charge shall be 50%
of the Basic Charge, based upon the amount of outstanding insurance, for the reissue up to
the amount of outstanding insurance, plus an increased liability charge, if any, based on the
charge applicable for each unit of insurance in excess of the original amount.
ZONE 3: Reissued where no transaction is involved (no time limit). The charge shall be 50%
of the Basic Charge.
A. Reissued to include a loan (time limit of 24 months from date of policy). 35% of the Basic
Charge, based upon the same type and amount of outstanding insurance, plus an increased
liability charge, if any, based on the charge applicable for each additional unit of insurance
issued in excess of the original amount.
NOTE 1: The Short Term Rate is not applicable under this section.
NOTE 2: If the original issue is ALTA Standard Coverage Policy Form and the reissue is to
be ALTA Extended Coverage Policy Form, then to the charge herein specified shall
be added an additional 65% of the Basic Charge, based on the amount of the
insurance issued, for the additional coverage form Policy.
3. UNDIVIDED INTEREST, TRANSFER OF
Basic Charge applicable based upon the full value of the interest conveyed and the type of
insurance issued.
A. When specified undivided interests are the subject of insurance without involvement of, or
loans affecting the remaining interests, the owner’s policy may be issued and charged for in
an amount equal to the full value of such undivided interest only at the basic charge
applicable.
When the grantee acquiring such undivided interest and the insured owner of the remaining
interest request a policy covering the entire interest, then to the above charge applicable to
that pertaining to the transfer of said undivided interest there shall be added 35% of the Basic
Charge, based upon the remaining difference between the amount of the sale price of the
undivided interest and the amount of insurance shown in the original policy. Insurance in
excess of the amount shown in the original policy shall be charged for on an increased liability
basis at the appropriate per unit charge for the type of insurance issued.
B. When specified undivided interests are conveyed and concurrently a loan is placed on the
entire interest an owner’s policy may be issued covering only the undivided interest so
conveyed at the Basic Charge applicable thereto and separate lenders insurance issued
under a separate policy on the entire interest covered by the loan at the Basic Charge
applicable thereto.
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For Use By Stewart Title Company
4. SALE OF ONE PARCEL WITH A LOAN ON MORE THAN ONE PARCEL
Basic Charge applicable based upon the full value of the estate or interest covered and the type
of insurance issued.
An Owner’s policy may be issued by separate policy on the land involved in the sale portion of
the transaction at the owner’s basic charge applicable thereto and the lender’s insurance may
be covered under a separate policy on all the land included in the loan at the lender’s basic
charge applicable thereto. If more than two chains are involved, the appropriate charge shall be
made for additional chains in excess of two.
5. PARTIAL EXTENDED COVERAGE FOR OWNER
The ALTA Standard Coverage Policy form may be expanded to provide additional coverage to
an owner as to one or more of the printed matters excluded from the coverage of said policy by
an endorsement thereto for the following additional charges:
CONDITION
CHARGE
Any facts, rights or claims not of record but which would be
disclosed by an inspection or inquiry
33-1/3% of Basic
Charge
Any easements, claims of easement or encumbrances not
disclosed of record
33-1/3% of Basic
Charge
Any survey matters as disclosed by a correct survey
33-1/3% of Basic
Charge
Any unpatented mining claims, reservations or exceptions in
patents, water rights or claims to water
15% of Basic Charge
NOTE: Maximum additional charge is 100% of the Basic Charge
6. SALE WITH A BINDER TO INSURE RESALE
110% of the Basic Charge based upon the full value of the initial sale for a commitment to insure
a subsequent resale to an ultimate purchaser through a 2006 ALTA Standard Coverage Form
Policy.
This section is effective only on the following conditions and at the charges specified, otherwise
the Basic Charge applicable (Section 1) will prevail on both the “Sale” and the “Resale.”
A. A binder to insure in the form as filed is issued upon recording that the initial conveyance in
lieu of a policy of title insurance.
B. If separate lender’s insurance is requested concurrently with the issuance of the binder or
the final policy, an additional charge thereof shall be made at the charge applicable.
If an additional lender’s policy is requested by the holder of the binder, for the purpose of
insuring interim or take-out financing prior to the issuance of the ultimate owner’s policy, the
same may be issued for a fee of 80% of the applicable Basic Charge for the type of insurance
issued.
C. The final sale to the ultimate insured is recorded within 24 months from the date of the binder
and if not, the policy of title insurance will automatically be issued insuring the grantee in the
initial sale.
D. In the final policy, insurance in the excess of the original binder amount shall be charged for
at the charge applicable for each additional unit of insurance above that shown in the binder.
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For Use By Stewart Title Company
E. If ALTA Owner’s Policy Extended Form is involved, the basic charge shall then be 150% of
the Basic Charge.
NOTE: The Short Term Rate is not applicable.
7. ADDITIONAL COVERAGES AND COMBINATION POLICIES
To the ALTA Loan Rate applicable in Section 1 add the following additional charges or
combinations of such additional charges for the following added coverages or reissues of the
initial policy covering a construction loan:
A. Where Standard Coverage Policy Form is the initial coverage, add the following for additional
coverages:
1. Reissue as Standard Coverage, add 15% of the Basic Charge.
2. Reissue as Extended Coverage, add 35% of the Basic Charge.
NOTE: LP #5 consists of Standard Coverage plus additional service #1
LP #6 consists of Standard Coverage plus additional service #2.
B. Where Extended Coverage Policy Form is the initial coverage, add the following for additional
coverages:
1. LP #10 Reissue as Extended Coverage, add 35% of the Basic Charge.
NOTE 1: The charges shown in A and B above are based upon the amount of the initial loan
and at the time of reissue if the take-out loan is of greater amount than the initial loan,
there will be added, on an increased liability basis, the combined charge applicable
for each additional unit of insurance issued in excess of the original amount.
NOTE 2: In Sections A and B above, for permanent or take-out loans, the policy being
requested may be issued to the original lender or a different lender for said loans.
8. PARTIAL EXTENDED COVERAGE FOR LENDER
The ALTA Standard Coverage Loan Policy form may be expanded to provide additional coverage
to a Lender as to one or more of the printed matters excluded from the coverage of said policy
by an endorsement thereto for the following additional charges:
CONDITION
CHARGE
Any facts, rights or claims not of record but which would be
disclosed by an inspection or inquiry
15% of Basic Charge
Any easements, claims of easement or encumbrances not
disclosed of record
15% of Basic Charge
Any survey matters as disclosed by a correct survey
15% of Basic Charge
Any unpatented mining claims, reservations or exceptions in
patents, water rights or claims to water
10% of Basic Charge
NOTE: If more than one of the above matters is the subject of insurance the maximum
additional charge shall not exceed the charge for the ALTA Extended Policy.
9. REFINANCE CHARGES
ZONE 1: A refinance charge applies for policies insuring a replacement or refinance loan on
residential property subject to an existing institutional mortgage. The refinance charge shall be
60% of the Basic Charge based on the new loan amount up to the original loan coverage amount.
Any coverage over the original loan amount would be the full Basic Charge for the applicable
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 9
For Use By Stewart Title Company
new Loan Policy coverage. Stewart is under no obligation to seek or make a determination of the
existence of a previous policy.
ZONE 2: A refinance charge applies for policies insuring a replacement or refinance on a
residential property subject to an existing institutional mortgage. The refinance charge shall be a
flat fee of $520.00 up to and including $150,000.00 of liability; thereafter the charge shall be 55%
of the Basic Charge up to the face amount of the new mortgage. Stewart is under no obligation
to seek or make a determination of the existence of a previous policy.
ZONE 3: A refinance charge applies for policies insuring a replacement or refinance loan on
residential property subject to an existing institutional mortgage. The refinance charge shall be
50% of the Basic Charge based on the new loan amount up to the original loan coverage amount,
with a minimum of $350.00. Any coverage over the original loan amount would be the full Basic
Charge for the applicable new Loan Policy coverage. Stewart is under no obligation to seek or
make a determination of the existence of a previous policy.
No other discounts are applicable. This rate does not apply to construction loans. This rate does
not apply when any portion of the new loan proceeds is used to purchase the secured property.
10. CHARGES FOR SIMULTANEOUS ISSUANCE OF POLICIES
A. Simultaneous Issuance of Owner’s And Loan Policies:
ZONE 1: When an Owner’s and a Loan Policy covering identical land are to be issued
simultaneously, the charge applicable for the Owner’s Policy will be the original Owner’s
Charge. The Charge for the Loan Policy so simultaneously issued will be 50% of the Basic
Charge for the amount of insurance not in excess of the Owner’s Policy. The Charge on the
amount of the Loan Policy exceeding the Owner’s Policy is figured at the Basic Charge.
This charge applies to the simultaneous issuance of an Owner’s and a Loan Policy. It does
not apply to simultaneous first and second mortgage transactions where no Owner’s policy
is issued.
When an Owner’s Policy and Standard Loan Policy are to be issued simultaneously, the fee
for the Standard Loan Policy will be $100.
ZONE 2: When an Owner’s and a Loan Policy covering identical land are to be issued
simultaneously, the charge applicable for the Owner’s Policy will be the original Owner’s
Charge. The Charge for the Loan Policy so simultaneously issued will be a flat fee of $520.00
up to and including $150,000.00 of liability; thereafter the charge shall be 55% of the Basic
Charge for the amount of insurance not in excess of the Owner’s Policy. The Charge on the
amount of the Loan Policy exceeding the Owner’s Policy is figured at the Basic Charge.
This charge applies to the simultaneous issuance of an Owner’s and a Loan Policy. It does
not apply to simultaneous first and second mortgage transactions where no Owner’s policy
is issued.
When an Owner’s Policy and Standard Loan Policy are to be issued simultaneously, the fee
for the Standard Loan Policy will be $100.
When an Owner’s Policy is issued simultaneously with 2 extended loan policies for the
same lender, the first loan premium will be calculated by combining the insured amounts for
the first policy, plus $100 for the additional policy (Similar to what is set forth in sub-section
C, but both policies being extended policies)
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Zone 3: When an Owner’s and a Loan Policy covering identical land are to be issued
simultaneously, the charge applicable for the Owner’s Policy will be the original Owner’s
Charge. The Charge for the Loan Policy so simultaneously issued will be 55% of the Basic
Charge for the amount of insurance not in excess of the Owner’s Policy. The Charge on the
amount of the Loan Policy exceeding the Owner’s Policy is figured at the regular original title
insurance charges for “Loan Policies” in the applicable bracket or brackets.
This charge applies to the simultaneous issuance of an Owner’s and a Loan Policy. It does
not apply to simultaneous first and second mortgage transactions where no Owner’s policy
is issued.
When an Owner’s Policy and Standard Loan Policy are to be issued simultaneously, the fee
for the Standard Loan Policy will be $100.
B. Simultaneous Issuance of Owner’s And Leasehold Owner’s Policies:
ZONE 1 and ZONE 3: When Owner’s and Leasehold Owner’s policies covering identical land
are issued simultaneously, the charges for the Owner’s Policy will be the applicable Owner’s
charges. The charges for the Leasehold Owner’s policy so simultaneously issued will be 50%
of the charges for the Owner’s policy up to the amount of the Owner’s policy, the minimum
charge being $250. The charge on the amount of the Leasehold Owner’s policy exceeding
the Owner’s policy is computed at the original title insurance charges for Owner’s policy in
the applicable bracket or brackets.
ZONE 2: When Owner’s and Leasehold Owner’s policies covering identical land are issued
simultaneously, the charges for the Owner’s Policy will be a flat fee of $520.00 up to and
including $150,000.00 of liability; thereafter the charge shall be the applicable Owner’s
charges. The charges for the Leasehold Owner’s policy so simultaneously issued will be 50%
of the charges for the Owner’s policy up to the amount of the Owner’s policy. The charge on
the amount of the Leasehold Owner’s policy exceeding the Owner’s policy is computed at
the original title insurance charges for Owner’s policy in the applicable bracket or brackets.
C. Simultaneous Issuance of Standard Loan Policy in Connection with an Extended Loan
Policy (Zone 2 only):
A Standard Coverage Loan Policy covering a second loan issued concurrently with an
Extended Coverage Loan Policy is charged for on an increased liability basis, plus $100 for
the additional policy.
11. SUBDIVISION (DEVELOPMENT) CHARGE
A. The charges hereunder may be applicable only when 10 or more policies are to be issued
insuring 10 or more different purchasers or lessees of either improved or unimproved property
in qualified developments depending upon the number of units and are based upon the full
value of each separate sale or unit value under a lease, in the following manner. These
reduced percentages are available only when Stewart is to issue all remaining lots owned by
the developer or builder in the subdivision.
Zone 1 and 2
NUMBER OF UNITS
CHARGE
10 to 20 Units
75% of Basic Charge
21 to 100 Units
65% of Basic Charge
101 Units or more
60% of Basic Charge
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Zone 3
The Subdivision Charge (Zone 3 only) shall be as follows:
Up to $20,000 of liability written ................................................... $250.00
Over $20,000 and up to $30,000, add ................... ...................... $5.10 Per Thousand
Over $30,000 and up to $40,000, add ................... ...................... $3.60 Per Thousand
Over $40,000 and up to $60,000, add .................. ...................... $3.10 Per Thousand
Over $60,000 and up to $100,000, add ........................................ $2.85 Per Thousand
Over $10 0,000 and up to $300,000, add ..................................... $2.60 Per Thousand
Over $300,000 and up to $1,000,000, add ................................... $2.25 Per Thousand
Over $1,000,000 and up to $5,000,000, add ................................. $1.90 Per Thousand
Over $5,000, 000 and up to $10,000,000, add .............................. $1.65 Per Thousand
Over $10,000,000 and up to $20,000,000, add ............................ $1.40 Per Thousand
Over $20,000,000, add ..................................................................$1.25 Per Thousand
Minimum charge ........................................... : ........................$250.00
NUMBER OF UNITS
CHARGE
10 to 20 Units
70% of Subdivision Charge
21 to 100 Units
60% of Subdivision Charge
101 Units or more
55% of Subdivision Charge
Subdivision or Condominium Guarantee
Guarantees for map filing are issued for the following charges:
1. Insured Owner
$210 base charge, plus $25 minimum additional charge for each ownership, easement,
right of way or interest searched or reported. The standard insurance amount is $1,000
and insurance in excess thereof is available on an increased liability basis at the per unit
charge applicable under the Basic Charge on the additional amount requested.
2. Parcel Map Guarantee
$250 base charge, plus $25 minimum additional charge for each ownership, easement,
right of way or interest searched or reported. The standard insurance amount is $1,000
and insurance in excess thereof is available on an increased liability basis at the per unit
charge applicable under the Basic Charge on the additional amount requested.
12. PLANNED MAJOR PROJECTS
This section may be used for pricing major commercial, industrial or other developments which
involve the issuance of one or more owners, lessees and/or lenders policies of title insurance,
issued together or at different times on fee or lesser interests, aggregating at least $4,000,000.
A binder may be initially issued for $0.10 per $1,000 up to $10,000,000 and $0.05 per $1,000
over $10,000,000.
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A.
Owner’s/Lessee’s Insurance
(Original issue or increased liability)
Per $1,000 of Liability
STANDARD
COVERAGE
EXTENDED
COVERAGE
Aggregate up to $10,000,000
$0.95
$1.15
Aggregate over $10,000,000 up to $25,000,000
$0.90
$1.10
Aggregate over $25,000,000 up to $50,000,000
$0.84
$1.04
B.
Lender’s Insurance
Per $1,000 of Liability
STANDARD
COVERAGE
EXTENDED
COVERAGE
Aggregate up to $10,000,000
$0.76
$0.95
Aggregate over $10,000,000 up to $25,000,000
$0.70
$0.90
Aggregate over $25,000,000 up to $50,000,000
$0.66
$0.86
C.
Trustee’s Sale Guarantee
Per $1,000 of Liability
Aggregate up to $10,000,000
$0.76
Aggregate over $10,000,000 up to $25,000,000
$0.72
Aggregate over $25,000,000 up to $50,000,000
$0.70
D.
Reissue of Owner’s Policies
An Owner's Policy may be reissued where no transaction is involved,
based upon the amount of the outstanding insurance, at the following
charge:
50% of Basic
Charge
Insurance in excess of the amount of the original policy shall be priced at the
applicable charge set forth in paragraph A of this section.
E.
Refinance of Loan Policies
Per $1,000 of Liability
50% of Basic Charge
Insurance in excess of the amount of the original policy shall be priced at the
applicable charge set forth in paragraph B of this section.
F.
Endorsements
Endorsements to furnish special coverages will be issued and the charge therefor will be
a percentage of the rate applicable to the policy upon which the endorsement is written,
commensurate with the risk to be assumed by issuance of such endorsement.
NOTE I: Amounts in excess of $50,000,000 will be charged for at a negotiated charge
between Underwriter and insured.
NOTE II: In computing liabilities to arrive at the charges provided for herein, it is permissible
to include transactions by another title insurer.
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13. COMMERCIAL LEASEHOLD
A. Lessee’s Leasehold Charge
1.
ALTA Extended Coverage
Policy
140% of the Basic Charge
2.
Short Term Rate
Applies to Insured Lessors or Assignors only
and when the new order is placed within the
following periods of time from the date of a
prior CLTA or ALTA form of policy
(Guarantees Excluded)
Time Period Short Term Rate
Within 36 Months 80% of the Basic Charge
Over 36 Months 100% of the Basic Charge
The minimum charges may be computed on either the full value of the land and existing
improvements or on a lesser amount relating to the term of the lease as follows:
1. Less than 25 years: 10 times the annual rental or the value of the property whichever is
the lesser amount.
2. 25 years or more but less than 50 years: 20 times the annual rental or the value of the
property whichever is the lesser amount.
3. 50 years or more: the full value of the land and existing improvements.
4. Insurance in excess of the minimum amount may be issued at the appropriate insurance
charge.
If a loan is involved, the minimum charge will be computed upon the amount of the loan or
the amount produced by the above formulas, whichever is greater.
If the lessee’s and the fee owner’s estates or interests are coinsured for full value and without
any segregation of liabilities as to said estates or interests under the same policy, the Owner’s
charge applicable (Section 1) based upon one policy amount is charged.
If the lessee’s and the fee owner’s estates or interests are segregated in the same policy by
an endorsement, or if concurrently with an Owner’s policy, a separate leasehold policy is
issued, the charge for the leasehold insurance so segregated will be on an increased liability
basis at the appropriate charge per unit for the minimum amount of leasehold insurance
called for under the formula shown above, plus $100 additional policy charge.
B. Lender’s Leasehold Charge
1.
ALTA Extended Coverage Policy
100% of the Basic Charge
2.
Short Term Rate applies to an insured lessee or assignee when the new
order is placed within the following periods of time from the date of a prior
policy.
Time Period Short Term Rate
Within 36 Months 80% of the Basic Charge
Over 36 Months 100% of the Basic Charge
The minimum charge is based upon the amount of the encumbrance allocated to the
property. The charges for added coverages or separate loan policy issued concurrently with
other policies covering the same leasehold estate, are subject to the same formulas
applicable to loan policies issued concurrently with Owner’s policies on fee title.
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14. SPECIAL LAND USE AND DEVELOPMENT
These reduced percentages of the Basic Charge are available only when Stewart is to insure the
sales or leases of all the lots or all remaining lots owned by the developer or builder in a
subdivision. If, prior to completion of the sale of all of the lots in the subdivision upon which
construction loans have been insured, the developer or builder decides not to obtain title
insurance from Stewart on the balance of the lots, Stewart reserves the right to recompute the
policy charges using the charge as set forth in Section 1 of this manual, and the developer or
builder may be billed for the difference, if any.
15. RESIDENTIAL LIMITED COVERAGE JUNIOR LOAN POLICY
$0 - $40,000 liability ............................................................................. $75.00
$40,000 - $250,000 liability .................................... $2.00 per $1000 of liability
The policy is not to be issued for liability in excess of $250,000. Reissue and/or Simultaneous
Issue Charges do not apply to this policy.
16. ADDITIONAL DISCOUNTS
A. Governmental Contracts – Title insurance purchased by governmental agencies may
receive a discount up to 40% of the Basic Charge dependent on the amount of work and risk
involved.
B. Disaster Loans – A loan policy covering the financing or refinancing required by an owner
of record within 24 months of the date of proclamation of a state of disaster, in rebuilding any
structure, or due to severe production losses, which was partially or totally destroyed in the
disaster area, will be issued for 65% of the charge applicable based on the type and· amount
of insurance.
C. Non-Profit Organizations – Churches, charitable or like eleemosynary non-profit
organizations purchasing title insurance on property dedicated to church or charitable use
within the normal activities for which such entities were intended will be charged:
75% of the Basic Charge. (Zones 1 and 2)
50% of Basic Charge (Zones 3)
D. Owner’s Policy Following a Foreclosure, Trustee’s Sale or Deed in Lieu – A portion of
the charge made by the agent for the Trustee Sale or Foreclosure Guarantee may be credited
by the agent against the title agent portion of the charge in issuing a policy to the insured
beneficiary of the sale. Provided, however, said credit, if applicable, shall not exceed 50% of
the Basic Charge.
E. Conversion of Insured Leasehold Estates to Fee Title Estates – Outstanding policies
covering individual leasehold estates insuring a lessee or his assignee, may be reissued to
cover the conversion into a fee title estate at 25% of the Basic Charge, based on the same
type and amount of outstanding insurance, plus an increased liability charge, if any, based
on the normal charge applicable for each additional unit of insurance in excess of the original
amount. If separate lender’s insurance is required and issued, the appropriate additional
charge as set forth in Section 1 shall be added to the charge herein mentioned for the type
of insurance to be issued.
F. Investor Rate – A rate of 70% of the Basic Charge is available for individuals, groups of
individuals or entitles customarily engaged in real estate investments. The parties must
provide reasonable proof that they currently hold title to or have transferred title to twelve (12)
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or more investment properties in the State of Nevada within the past twelve (12) months to
qualify for this rate.
G. Short Term Rate – A rate of 80% of the applicable fee for owner’s policies is available when
a prior owner’s policy has been issued within 36 months of the request for a new owner’s
policy of title insurance. The prior policy may be a standard or extended owner’s policy. The
reduced rate only applies if a particular section of this manual so specifies. The Short Term
Rate does not apply to guarantees, endorsements or a short sale transaction and does not
apply to any premium that would result in a lesser charge than the minimum policy charge as
shown.
17. ADDITIONAL CHARGES
Additional charges may be made for policies and/or endorsements involving complex or time-
consuming matters or extraordinary risks.
A. Additional Parcel or Chain – charge is a minimum of $175.
For computing charges the term “Parcel or Additional Chain” is defined as:
1. Property vesting in the same ownership within the same tract, grant, subdivision,
government section, swamp and overflow or tideland survey, is a single parcel.
2. Property vested in the same ownership but located in different tracts, grants, subdivisions,
government sections, swamp and overflow or tideland surveys are separate parcels and
an additional work charge for each separate parcel is added to the Basic Charge.
3. Property divided by a county line is construed as non-contiguous. The Basic Charge
applicable in each separate county shall apply, based upon full value of the estate or
interest and the type of insurance allotted to each county.
4. Property vested in different ownerships regardless of whether in the same or a different
tract, grant, subdivision, government section, swamp or overflow, or tideland survey is a
separate chain of title and the Basic Charge shall be applied on each separate ownership
or chain of title.
B. Lost Policies and Replacements – A charge of $100 may be assessed for the reissuance
of any policy which has been lost or destroyed depending on the circumstances.
C. Reinsurance Fees – Any fees quoted under this schedule may be increased by the cost of
any reinsurance required by the insured.
D. Inspection Charge – Inspections of the property made in connection with the issuance of a
report or policy shall be charged dependent upon time spent and distance traveled.
E. Multiple Policies or Ownerships Insured Simultaneously (Common Owner) – The Basic
Charge applicable based on the aggregate amount of insurance to be issued is applied where
two or more purchasers simultaneously acquire from a common owner and are issued
separate policies, an additional $100 will be charged for each additional policy.
F. Extension or Modification of Insured Deeds of Trust – Policies covering agreements by
the original or different trustors extending or modifying the terms of an insured deed of trust
are issued at 35% of the Basic Charge on the unpaid balance of the encumbrance.
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G. Minimum Charges – The limited title services under Section 18, subsections H, I, J, K, M,
and N are limited to the subject matter stated and each guarantee provides for a standard
insurance amount up to the next multiple of $100 above the fee charged. Additional coverage
is available through other forms of evidences of title, or additional insurance amounts may
be issued, at additional costs in accordance with the rules of Stewart for furnishing such
additional service.
H. Unusual Requirements – Title and Escrow services may be required in some cases and
under conditions for which no appropriate rating structure has been provided in this schedule.
In any such event, a charge or charges shall be made above the minimum quoted which, in
the opinion of Underwriter, are reasonable.
Notwithstanding the fees and/or charges in the filings by Stewart, special pricing
consideration may be given by Underwriter on transactions involving policies aggregating
$20,000,000 or more on a single risk based on various factors including geographic location,
competitive environment, expenses, reinsurance requirements and other reasonable
considerations, but in no event shall the charge be less than $0.35 per thousand dollars of
liability.
I. Revamping or Replacing of Insured Deeds of Trust – Policies covering a new loan given
for the sole purpose of revamping or replacing an insured loan on the same property shall be
at 50% of the Basic Charge where the borrower is an insured owner and the beneficiary
(lender) or its successor by merger or acquisition is the same, as shown in the insured deed
of trust, said parties being defined in the same manner as “Insured Owners” and the
remaining unpaid balance of the loan is not less than 70% of the original principal amount.
J. Additional Advance (Open-End Mortgages) – Additional advances evidenced by addi-
tional notes under insured deeds of trust or mortgages may be covered by either an
endorsement to an outstanding policy issued by Stewart or the issuance of a new policy. The
charge to increase the line of credit is 80% of the Basic Charge.
K. Assignments of Deeds of Trust
1. Where the Assignment is for collateral purposes only of the beneficial interest under an
insured deed of trust or mortgage, same may be insured at 50% of the Basic Charge.
2. Insurance by endorsement attached to a Stewart policy or copy thereof, covering the
Assignment of an Insured Deed of Trust or Mortgage:
a. Endorsements requiring a full search of title: The charge is the same as shown in
section K.1 above.
b. Endorsements requiring a search of the beneficial interest only:
i. Excluding the vesting of the ownership of the estate or interest covered in the
policy, $125, including a tax report.
ii. Including the vesting of the ownership of the estate or interest covered in the
policy, 15% of the Basic Charge, minimum $125, including a tax report.
L. Mechanic's Liens, Elimination Of (Owner’s And Loan Policies) – Upon completion of
construction an appropriate endorsement for the benefit of a purchaser from an owner-
builder, based on the amount of the policy, or for the benefit of a lender, based on the amount
of the loan, may be attached to a Stewart policy insuring against loss by reason of any
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possible mechanic's liens at the charge stated in the section relating to endorsements,
subject to lender’s full funding of project and owner’s full payment of all amounts due.
M. Vacated Street, Alley, Easement, Rights of Way or Reversionary Interest Covered
Concurrently With the Issuance of a Policy – The additional charge shall be
commensurate with the work required with a minimum of $100 per parcel.
18. GUARANTEES, REPORTS AND SERVICES
A. Title Information Report
Liability limited to cost: $250.00
Charge is based upon the type of property and the type of employee required to furnish the
information. Liability is limited to the amount paid for the report.
Reissue and/or Simultaneous Issue Charges do not apply to this policy.
B. Trustee's Sale Guarantee
1. 80% of the Basic Charge, based on the amount in default.
2. $100 for each continuation guarantee, over two, issued prior to but not including the actual
sale.
3. $100 to convert a Trustee's Sale Guarantee into a Litigation Guarantee, or vice versa; or
to reissue a guarantee for the benefit of a substituted trustee or attorney.
C. Litigation Guarantees are for the benefit of attorneys only in connection with quiet title
actions, partitions, or other matters of litigation except as to deeds of trust or mortgages.
1. 80% of the Basic Charge based upon the value of the particular estate or interest
involved.
2. $100 for each continuation guarantee over 1 issued within a period of 24 months of the
original guarantee to cover the filing of the lis pendens.
D. Proceeding Guarantees
1. $100 plus $1.00 per thousand or fraction thereof, based upon the value of the estate to
be insured. The guarantee insures only another title insurer covering:
a. Letters of Testamentary, Administration or Guardianship
b. The Appointment of Trustee or Receiver in Bankruptcy
c. Regularity of Probate or other final court proceedings
2. $50 for each proceeding over one, where more than one in the same county covering the
same property is examined and reported on.
E. Chain of Title Guarantee – A guaranteed chain of title issued only for specific purposes and
limited to periods of time.
The standard insurance amount is $1,000 and insurance in excess thereof is available on an
increased liability basis at the per unit rate applicable under the Basic Charge based on the
additional amount requested.
1. Except under the limited conditions as provided for in paragraph 2 below, the charges
shall be commensurate with the work required and a $150 minimum charge for each
chain of title, plus $50 for each item reported.
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2. A limited service for the benefit of a lender only, provided such is related to the issuance
of a policy of title insurance based upon a full examination of title, the charge shall be:
a. No charge where the chain of title is to cover the period of time not to exceed 6 months
prior to the date the loan is recorded.
b. $100 for a chain of title covering the period of time not to exceed 45 days subsequent
to the date of the issuance of the loan policy.
F. Cancellation or Report Charge – The charge for a report of title only, or if an order is
canceled after the issuance of the report of title, will be due in full.
G. Credit for Reports on Subsequent Policies – Where no major change in the title has
occurred since the issuance of the original report, the order may be reopened and all or a
portion of the charge for the report may be credited on a subsequent policy charge within the
following time from the date of the report:
Less than 36 Months
50% of the report charge may be
absorbed in or credited to the final
policy charge.
Over 36 Months
No credit for the report charge shall be
absorbed in or credited to the final
policy charge.
H. Judgment Lien Guarantee – A limited title service which is issued at the following charge:
$100 per name, husband and wife are considered one name, plus $5 for each lien over two
reported. Insurance is the next multiple of $100 above the fee paid.
I. Mechanic’s Lien Guarantee – When Mechanic's Lien Guarantees are issued on the same
project, the charge will be at the discretion of Underwriter based on the work and risk involved.
J. Bankruptcy Guarantee – A limited title service which is issued at the following charge:
$100 per name, husband and wife are considered as one name for petitions filed under the
act. Insurance is the next multiple of $100 above the fee paid.
K. Restriction Guarantee – A minimum of $100 per parcel for the record owners and the
holders of any deeds of trust and mortgages for the purpose of creating, modifying or
eliminating conditions, restrictions or reservations.
Under a general plan of restriction, such is furnished at $50 per parcel. The liability assumed
in either case shall be the next multiple of $100 above the fee paid.
L. Property Search Guarantee – Guarantees listing those properties apparently vested in, or
deeds of trust or mortgages held by certain designated parties.
1. Assessor's Tax Rolls Only.
$50 per year, per name, husband and wife are considered one name, plus $25 for each
parcel over two reported.
2. Recorder's indices including the current year Assessor's Rolls.
$50 per year, per name, husband and wife are considered one name. Minimum $100 plus
$15 for each parcel over two reported on property searches, plus $5 for each deed of
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trust over two reported on encumbrance searches.
3. Standard insurance is the next multiple of $100 above the fee charged. Insurance in
excess of $100 may be issued at 50% of the Basic Charge based upon the amount of
insurance requested.
NOTE: On searches involving common names or where considerable amount of work is
required to produce the guarantee, an additional charge commensurate with the
work done shall be made.
M. Lot Book Report – A limited title service which is issued at the following charges:
$150 per parcel showing the apparent record owner, any deeds of trust or mortgages, if
requested affecting the property, plus an additional charge of $10 per document to include
therein any of the following documents only:
Homestead Notice of Completion
Agreement to Convey Attachments Tax Deed
Agreement Not to Encumber Financing Statement
Assignment of Rents
The above charges apply on each issue, credit for said charges may be allowed on the charge
for a report or policy of title insurance within a period of 6 months.
The liability assumed is limited to fee paid.
N. Plant Service Information Guarantee – The charge is an hourly rate from $50 per hour to
$100 per hour, based upon the type of employee required to furnish the information, plus an
additional charge of $20 per hour typing time. The amount of insurance issued is the next
multiple of $100 above the fee charged.
O. Recorded Document Guarantee – The minimum charge is $1,000 for the form of
Guarantee, upon receipt of a completed application for the issuance of CLTA Recorded
Document Guarantee, from the customer. Underwriter may charge additional fees, based
upon the amount of work involved, with a minimum of $100 per hour. Notwithstanding
anything to the contrary, the minimum liability for said Guarantee shall not exceed $25,000
over the total amount paid.
Upon subsequent issuance of Lender's or Owner's insurance covering the property for which
a guarantee has been issued, a credit of 50% of the price of the guarantee or $500, whichever
is less, will be applied to said policy.
19. CANCELLATION FEE
There may be a withdrawal or cancellation fee on any order for title insurance where the
transaction is not closed.
20. RISK RATE
An extraordinary risk charge may be requested when, at the sole discretion of Underwriter,
conditions indicate said risk.
21. CLOSING PROTECTION LETTERS
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A Closing Protection Letter (CPL) is available to the parties of the transaction. CPLs shall be
issued in a residential real estate transaction if (a) a title policy is issued by a title company or by
a title insurance producer on behalf of the company, and (b) the company or title insurance
producer also acts as the settlement or closing agent for the transaction. If requested and the
conditions are met, the CPL may be issued to the lender, borrower, buyer, and seller of the
property. A fee shall be charged to each party receiving the benefit of the CPL. The fees to be
charged shall be $25 for a lender, buyer/borrower and seller. The entire amount of the CPL fee,
rate, or charge shall be remitted to Underwriter for providing a CPL. In the event of a second
mortgage or HELOC by a lender other than the primary lender, an additional fee of $25 per letter
would be charged. A CPL may be issued in a commercial transaction (defined as non 1-4 family
transaction) under the same terms, conditions and charges set forth above, if provided.
22. ALTA RESIDENTIAL LIMITED COVERAGE MORTGAGE MODIFICATION POLICY
The ALTA Residential Limited Coverage Mortgage Policy may be issued in connection with a
modification of a mortgage by an institutional lender covering one-to-four residential real property
or condominiums. The charge for the ALTA Residential Limited Coverage Mortgage Modification
Policy shall be $150.00. The rate shall not include any charges for separate services, including
abstracting or search services, or recording, that are provided to institutional lenders.
23. ENDORSEMENTS
Charges for standard endorsements are listed below, subject to the aggregate pricing limitation:
When issuing endorsements to any title insurance policy with a liability aggregating $5,000,000
or greater including policies issued in connection with multi-state transactions, Underwriter may
offer a reduced charge when issued in connection with the requested policy of title insurance.
Special risk endorsements may be issued at a risk rate commensurate with the risk on a case-
by-case basis.
The identification of a fee for any endorsement will not entitle any insured to said endorsement
by tender of the endorsement charge. Any of the below-enumerated endorsements are to be
issued in accordance with underwriting standards promulgated by Stewart and Stewart reserves
the right to refuse to issue any endorsement where, in Underwriter’s opinion, the risk associated
with the endorsement coverage is unacceptable. Percent charges shown relate back to the Basic
Charge unless otherwise specified.
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 21
For Use By Stewart Title Company
American Land Title Association Endorsements:
ALTA
Serie
s
Description
Charge
1
Street Assessments
No charge
3
Zoning
25% of basic charge
3.1
Zoning-Completed Structure
25% of basic charge
3.2
Zoning-Land Under Development
25% of basic charge
3.3
Zoning – Completed Improvement – Non-Conforming Use
25% of basic charge
3.4
Zoning – No Zoning Classification
25% of basic charge
4*
Condominium
No charge
4.1
Condominium
No charge
5*
Planned Unit Development
No charge
5.1
Planned Unit Development
No charge
6*
Variable Rate Mortgage
No charge
6.2
Variable Rate Mortgage-Negative Amortization
No charge
7
Manufactured Housing Unit
No charge
7.1
Manufactured Housing Unit-Conversion; Loan
No charge
7.2
Manufactured Housing Unit-Conversion; Owner
No charge
8.1*
Environmental Protection Lien
$25 (No Charge if issued pursuant
to Schedule A)
8.2
Commercial Environmental Protection Lien
$100
9*
Restrictions, Encroachments, Minerals – Loan
No charge
9.1
Covenants, Conditions and Restrictions – Unimproved Land
No charge ALTA extended
9.2
Covenants, Conditions and Restrictions – Improved Land
No charge ALTA extended
9.3
Covenants, Conditions and Restrictions
No charge
9.6
Private Rights - Loan Policy
No charge
9.6.1
Private Rights - Current Assessments - Loan Policy
No charge
9.7
Restrictions, Encroachments, Minerals-Land Under
Development-Loan Policy
No charge
9.8
Covenants Conditions and Restrictions-Land Under
Development-Owner’s Policy
No charge
9.9
Private Rights - Owner’s Policy
No charge
9.10
Restrictions, Encroachments, Minerals - Current Violations -
Loan Policy
No charge
10
Assignment
15% of basic charge; Minimum:
$125
10.1
Assignment & Date Down
50% of basic charge
11
Mortgage Modification
30% of basic charge based on loan
balance
11.1
Mortgage Modification with Subordination
30% of basic charge based on loan
balance
11.2
Mortgage Modification with Additional Advance
70% of basic charge based on
amount of advance
12
Aggregation
No charge
12.1
Aggregation – Loan Policy
No charge
13
Leasehold-Owner’s
No charge
13.1
Leasehold-Loan
No charge
14
Future Advance-Priority (with and without MML)
0-10% depending on risk
14.1
Future Advance-Knowledge (with and without MML)
0-10% depending on risk
14.2
Future Advance-Letter of Credit (with and without MML)
0-10% depending on risk
14.3
Future Advance-Reverse Mortgage (with and without MML)
0-10% depending on risk
15
Nonimputation-Full Equity Transfer
$250 to 20% depending on risk
15.1
Nonimputation-Additional Insured
$250 to 20% depending on risk
15.2
Nonimputation-Partial Equity Transfer
$250 to 20% depending on risk
16
Mezzanine Financing
$100
17
Access and Entry
$50 to 10% depending on risk
17.1
Indirect Access and Entry
$50 to 10% depending on risk
17.2
Utility Access
$100 to 10% depending on risk
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 22
For Use By Stewart Title Company
ALTA
Serie
s
Description
Charge
18
Single Tax Parcel
No charge
18.1
Multiple Tax Parcel
$100 to 10% depending on risk
18.2
Multiple Tax Parcel
$50 to 10% depending on risk
19
Contiguity-Multiple Parcels
$50 to 10% depending on risk
19.1
Contiguity-Single Parcel
$50 to 10% depending on risk
19.2
Contiguity – Special Parcels
$50 to 10% depending on risk
20
First Loss-Multiple Parcel Transactions
$100
22
Location
N/C if attached at policy issuance;
10% of basic chargeif after
issuance, on single policies. $10 per
issue when 3 or more issued
concurrently
22.1
Location and Map
N/C if attached at policy issuance;
10% of basic charge if after
issuance, on single policies. $10 per
issue when 3 or more issued
concurrently
23
Co-Insurance
No charge
24
Doing Business
$100 to 10% depending on risk
25
Same As Survey
$100 to 10% depending on risk
25.1
Same as Portion of Survey
$100 to 10% depending on risk
26
Subdivision
$100 to 10% depending on risk
27
Usury
$100 to 20% depending on risk
28
Easement-Damage or Enforced Removal
$100
28.1
Encroachments – Boundaries and Easements
$100
28.2
Encroachments – Boundaries and Easements – Described
Improvements
$100
28.3
Encroachments – Boundaries and Easements – Described
Improvements and Land Under Development
$100
29
Interest Rate Swap Endorsement-Direct Obligation
10% of basic charge
29.1
Interest Rate Swap Endorsement-Additional Interest
10% of basic charge
29.2
Interest Rate Swap Endorsement-Direct Obligation-Defined
Amount
greater of 10% of basic charge or
basic charge for additional amount
of insurance (which is included in
the endorsement)
29.3
Interest Rate Swap Endorsement-Additional Interest – Defined
Amount
greater of 10% of basic charge or
basic charge for additional amount
of insurance (which is included in
the endorsement)
30
One To Four Family Shared Appreciation Mortgage
No charge
30.1
Commercial Participation Interest
10% of basic charge
31
Severable Improvements
10% of basic charge
32
Construction Loan – Loss of Priority
10% of basic charge
32.1
Construction Loan – Loss of Priority – Direct Payment
10% of basic charge
32.2
Construction Loan – Loss of Priority – Insured’s Direct
Payment
10% of basic charge
33
Disbursement
$100
34
Identified Risk Coverage
No charge
34.1
Identified Exception and Identified Risk Coverage
No Charge
35
Minerals and Other Subsurface Substances – Buildings
10% of basic charge
35.1
Minerals and Other Subsurface Substances – Improvements
10% of basic charge
35.2
Minerals and Other Subsurface Substances – Described
Improvements
10% of basic charge
35.3
Minerals and Other Subsurface Substances – Land Under
Development
10% of basic charge
36
Energy Project – Leasehold/Easement – Owner’s
10% of basic charge
36.1
Energy Project – Leasehold/Easement – Loan
10% of basic charge
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 23
For Use By Stewart Title Company
ALTA
Serie
s
Description
Charge
36.2
Energy Project – Leasehold – Owner’s
10% of basic charge
36.3
Energy Project – Leasehold – Loan
10% of basic charge
36.4
Energy Project – Covenants, Conditions and Restrictions –
Land Under Development – Owner’s
$100
36.5
Energy Project – Covenants, Conditions and Restrictions –
Land Under Development – Loan
$100
36.6
Energy Project – Encroachments
$100
36.7
Energy Project – Fee Estate – Owners Policy
10% - 20% depending on risk
36.8
Energy Project – Fee Estate – Loan Policy
10% - 20% depending on risk
37
Assignment of Rents and Leases
No charge
38
Mortgage Tax
$100
39
Policy Authentication
No charge
40
Tax Credit – Owners Policy
10% of basic charge
40.1
Tax Credit – Defined Amount – Owners Policy
10% of basic charge
41
Water – Buildings
$100 to 10% depending on risk
41.1
Water – Improvements
$100 to 10% depending on risk
41.2
Water – Described Improvements
$100 to 10% depending on risk
41.3
Water – Land Under Development
$100 to 10% depending on risk
42
Commercial Lender Group
$100
43
Anti-Taint
$100
44
Insured Mortgage Recording – Loan Policy
$100
45
Pari Passu Mortgage – Loan Policy
$100
46
Option
10%
47
Operative Law – 2006 Owner’s Policy
No charge
47.1
Operative Law – 2006 Loan Policy
No charge
47.2
Operative Law – 2013 Homeowner’s Policy
No charge
47.3
Operative Law – 2015 Expanded Coverage Residential Loan
Policy
No charge
Non-ALTA Endorsements:
Number
Description
Charge
Revolv
Revolving Credit/Variable Rate (for use with HEP)
No charge
1584
Currency Fluctuation
20% of basic charge
1585
Currency Fluctuation
20% of basic charge
1586
Currency Fluctuation
20% of basic charge
1587
Currency Fluctuation
20% of basic charge
JR1
Supplement Coverage Endorsement (for use with
ALTA Residential Junior Loan Policy or ALTA Fort
Form Limited Coverage Junior Loan Policy)
No charge
JR2
Revolving Credit/Variable Rate (for use with ALTA
Residential Junior Loan Policy or ALTA Short Form
Limited Coverage Junior Loan Policy)
No charge
E-9825
UCC Endorsement
15% of basic charge
NV Arbitration
Endorsement
Nevada Arbitration Endorsement
No charge
STG
Homeowner’s
STG 2021 ALTA Homeowner’s Endorsement
No charge
STG Covered
Risk 10
STG Amendment of Covered Risk 10 on 2021
ALTA Loan Policy
No charge
STG Deletion of
PACA-PSA
STG Deletion of PACA-PSA Exclusion
No charge
STG Fairway
Fairway
10% of basic charge
STG Max Loss
Maximum Loss Endorsement
20% of basic charge
STG Patent
Patent Endorsement
10% of basic charge
STG Post Policy
Forgery
STG Post Policy Forgery Endorsement with 2021
ALTA Owner’s Policy
No charge
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 24
For Use By Stewart Title Company
Number
Description
Charge
CLTA 101.2
Mechanics’ Liens, Notice of Completion
10% of basic charge
CLTA 102.4
Foundation
10% of basic charge
CLTA 102.5
Foundation
15% of basic charge
CLTA 103.5
Water Rights, Surface Damage
$100
CLTA 107.9
Additional Insured
$100
CLTA 110.1
Encumbrance Deleted
10% of basic charge
CLTA 111.5
Variable Rate Mortgage
No charge
CLTA 111.10
Revolving Credit Loan, Optional Advance
No charge
CLTA
Guarantee
Form 2 Down
Date
CLTA Guarantee Form 2 Down Date Endorsement
30% of the applicable rate of the
existing policy liability
NOTE re CLTA Forms: With exception to the endorsements shown above, we no longer issue CLTA;
however, if senior underwriter approves, all charges will be based on risk and like kind ALTA endorse-
ment fees.
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 25
For Use By Stewart Title Company
SCHEDULE A
SPECIAL PRODUCTS AVAILABLE FOR
STEWART TITLE GUARANTY COMPANY
ISSUANCE IN NEVADA
1. Centralized Processing Loan and Refinance Rate (CPLR) For Issuance Of An Alta
Short Form Residential Loan Policy
The Centralized Processing Loan and Refinance Rate is the fee charged for an ALTA Short Form
Residential Loan Policy on existing, improved one-to-four family residential property for loan
transactions.
The Centralized Processing Loan and Refinance Rate applies only when all of the following conditions
are met:
1. The residential property is an existing, improved, one-to-four family residence;
2. The order is opened electronically and processed through the title agent’s centralized processing
department;
3. The loan proceeds are not used for the financing of the acquisition of property in a concurrent
purchase transaction;
4. The preliminary report and/or title commitment is issued and delivered electronically and contains
only generic exceptions for such matters like easements and covenants, conditions, and restrictions;
5. The title policy is issued and delivered electronically and contains only generic exceptions for such
matters like easements and covenants, conditions, and restrictions; and
6. The lender’s title policy issued is an ALTA Short Form Residential Loan Policy;
7. Lender policy premium is inclusive of standard lender endorsements; customary endorsements are
notated with an asterisk (*); and
8. In order to offer this rate, an agent or any office thereof offering this rate must have a multi-state
presence and has been expressly authorized in writing by the Company.
The charge for the Centralized Processing Loan and Refinance Rate is follows:
Range of Liability
Up to $250,000.00 of liability written ..................................................................$350
Over $250,000.00 and up to $500,000.00......................................................... $450
Over $500,000.00 and up to $750,000.00......................................................... $550
Over $750,000.00 and up to $1,000,000.00....................................................... $650
Over $1,000,000.00 and up to $1,500,000.00.................................................... $750
Over $1,500,000.00 and up to $2,000,000.00.................................................... $950
Stewart Title Guaranty Company – NEVADA – (05/23/2022) effective (7/29/2022) Page 26
For Use By Stewart Title Company
Over $2,000,000.00 and up to $2,500,000.00................................................. $1,150
Over $2,500,000.00 and up to $3,000,000.00................................................. $1,350
Over $3,000,000.00 and up to $4,000,000.00................................................. $1,750
Over $4,000,000.00 and up to $5,000,000.00................................................. $2,150
2. Limited Coverage STG Home Equity Loan Policy (HELP)
This section applies to Stewart Title Guaranty Company’s issuance of the limited coverage STG Home
Equity Loan Policy (HELP) on an existing, improved one-to-four family residential property for home
equity loan transactions.
HELP applies only when all of the following conditions are met:
1. The lender has either successfully enrolled in the Home Equity Loan Program and entered
into a contract with Stewart Title Guaranty Company’s Centralized Title Services (CTS)
division, or the lender client has signed a Statement of Work which obligates the lender to
abide by the rules of the HELP Program;
2. The loan is a home equity loan or a home equity line of credit;
3. The residential property is an existing, improved, one-to-four family residence;
4. The loan proceeds are not used for the financing of the acquisition of property in a
concurrent purchase transaction;
5. The order for the STG Home Equity Loan Policy is placed electronically by the insured or the
insured’s authorized agent;
6. The preliminary report and/or title commitment, if issued, is issued and delivered
electronically and contains only generic exceptions for such matters like easements and
covenants, conditions, and restrictions;
7. The title policy is issued and delivered electronically and contains only generic exceptions for
such matters like easements and covenants, and restrictions; and
8. The lender’s title policy issued is a STG Home Equity Loan Policy.
The charge for the STG Home Equity Loan Policy is as follows:
Range of Liability
Fee
Up to and including $100,000
$45
Over $100,000 and up to and including $250,000
$65
Over $250,000 and up to and including $500,000
$125
