License Bond

Texas Title Insurance Agent Minimum Capitalization Bond

This bond is required for Texas title insurance agents who do not meet the state's minimum capitalization requirements under Texas Insurance Code §2651.012. The bond amount varies based on the population of the county where the agent's principal office is located: $25,000 for counties with 10,000-49,999 population; $5…

Overview

What it is.

Who usually needs it

Title insurance agents in Texas whose principal office is located in a county and who do not meet the minimum capitalization requirements based on county population. Exemptions apply to banks, trust companies, lending institutions, mortgage entities, and Texas-licensed attorneys.

Pricing & timing

What to expect.

Generic pricing

License bonds are required by state and local governments to ensure compliance with industry regulations. Typical Pricing:. • Small bonds (under $25,000): Typically $100–$250 per year (flat fee). • Larger license bonds: Commonly around 1–5% of the bond amount annually. • Credit impact: Good credit: starting around 1–2% · Average credit: typically 2–4% · Credit challenges: often 4–5% or higher. Same-day approval is typical for many common license bonds. Some license bonds may price higher de…

Typical timeframe

Issuance timeframe varies by bond type and underwriting

Application

What to do next.

Tell us the bond name, state, and amount on your form.
Share business and applicant info so the team can quote it.
Sign and pay; we issue the bond and send you the documents.
Keep your effective date and renewal date on file with us.

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Details

Bond details.

StateTX

Bond amount$25,000

ObligeeTexas Department of Insurance

Bond classLicense Bond

CategoryFinancial Services

BondTexas Title Insurance Agent Minimum Capitalization Bond

Plain descriptionThis bond is required for Texas title insurance agents who do not meet the state's minimum capitalization requirements under Texas Insurance Code §2651.012. The bond amount varies based on the population of the county w…

Who needs this bondTitle insurance agents in Texas whose principal office is located in a county and who do not meet the minimum capitalization requirements based on county population. Exemptions apply to banks, trust companies, lending i…

FAQ

Common questions.

What bond amount do I need based on my county population?

The bond amount depends on the population of the county where your principal office is located: No bond required for counties under 10,000 population; $25,000 for 10,000-49,999; $50,000 for 50,000-199,999; $100,000 for 200,000-999,999; and $150,000 for counties with 1,000,000 or more population.

Who is exempt from this bond requirement?

Banks, trust companies, lending institutions, mortgage entities, and Texas-licensed attorneys are exempt from the Texas Title Insurance Agent Minimum Capitalization bond requirement.

Can I use alternatives to a surety bond?

Yes, the Texas Department of Insurance accepts alternatives to surety bonds including cash deposits, unencumbered real estate, letters of credit, or certificates of deposit to meet the minimum capitalization requirement.

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Next step

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