What is title insurance?

Title insurance protects you from financial loss if someone challenges your ownership. Unlike other insurance protecting against future events, title insurance protects against past issues — undisclosed heirs, forged documents, recording errors, and more. It's a one-time premium that protects your property rights for as long as you own the property.

How much does title insurance cost in Utah?

Title insurance premiums are state-regulated in Utah and based on the sale price. For a typical residential transaction, expect to pay between $500 – $3,500. Prospect Title offers a free rate calculator for instant estimates tailored to your specific transaction.

What's the difference between owner's and lender's title insurance?

Lender's insurance protects the bank's investment and is usually required for financing. Owner's insurance protects YOU and your equity in the property. We strongly recommend both — the owner's policy is a one-time premium that protects you for as long as you own the property.

How long does closing take?

Typical residential closings take 7-60 days from contract to keys. Cash transactions close in less than 72 hours. Commercial transactions may take longer depending on complexity. Prospect Title's experienced team works to ensure smooth, on-time closings.

What do I need to bring to closing?

Valid government-issued photo ID (driver's license or passport), cashier's check or wire transfer receipt for your funds, and any documents your closer specifically requested. We'll send you a detailed checklist before closing day.

Can I do a remote closing?

Yes! Through our Qualia portal, you can review documents, e-sign, and complete much of the process remotely. Some documents may still require in-person notarization depending on your lender's requirements.

Who pays for title insurance in Utah?

This is negotiable and varies by transaction. In Utah, it's common for sellers to pay for the owner's policy and buyers to pay for the lender's policy, but this can be negotiated as part of your purchase contract.

How do I protect myself from wire fraud?

NEVER trust wiring instructions sent via email without verbal verification. Prospect Title will NEVER email you changes to wiring instructions. Always call us directly using a number you already have (not one from an email) to verify before wiring any funds.

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(801) 225-1924

Utah-Grown. Utah-Owned. Utah-Obsessed.

There are a lot of title companies in Utah. Here's why thousands of families, agents, and builders choose us.

Longest Local Legacy

59 Years in Utah

We're not a franchise. We're not a national chain with a local branch. We're a Utah company, founded here, owned here, and committed here for over five decades.

Prospect Title: 59 yearsCottonwood Title: 25 years | Title Guarantee: 14 years

Technology That Works For You

Track Your Closing 24/7 — Powered by Qualia

Check your order status, upload documents, and message your closer anytime — from your phone or computer. While some competitors still rely on phone calls and faxes, we've invested in technology that keeps you informed without adding complexity.

Financial Strength

Backed by the World's Largest Underwriters

Your title insurance policy is only as strong as the underwriter behind it. We partner with industry leaders to ensure your investment is protected.

We Actually Answer

We Answer the Phone. Every Time.

No phone trees. No recordings. When you call, a real person answers — someone who knows your file and can actually help. It's old-fashioned, but it works.

Specialized Services

More Than Just Residential

Builders trust us for volume closings. Investors rely on our 1031 exchange expertise. FSBO sellers appreciate our guidance. Whatever your transaction, we've done it before.

Ready to Experience the Difference?

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