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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…

Bond amount$25,000
State or jurisdictionTexas
ObligeeTexas Department of Insurance

Essential point: Pin down whether this is your bond, then start the application. Ava can confirm the right state and license type if you are not sure.

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Overview

What it is.

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…

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 depending on the specific bond type, state program, or underwriting requirements.

Your quote determines the actual premium.

Typical timeframe

Issuance timeframe varies by bond type and underwriting

Timing can change when underwriting needs more information.
Application details

How it works.

  1. Start the application

    Confirm the bond and provide applicant and business details.

  2. Review the quote

    See the terms and premium before deciding to continue.

  3. Pay and sign

    Complete the required payment and signatures.

  4. Receive the bond

    Get the issued bond and filing or delivery instructions.

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Frequently asked

Common questions.

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.

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.

Next step

Ready to move forward?

Start the secure application with this bond already selected, or ask Ava a question before you begin.

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