Can I shop for title insurance in California without slowing escrow?
Yes, you can shop for title insurance in California without delaying your escrow, as long as you coordinate early with your escrow officer and provide your chosen title company’s details promptly.
Shopping for title insurance is one of the most misunderstood parts of a real estate transaction in California. Many buyers assume they’re required to use the title company chosen by their lender or real estate agent. However, you have the right to choose your own title insurance provider. The key is understanding how the process works—and how to make a switch without slowing your escrow timeline. This guide from 805title explains how you can shop for title insurance in Southern California while keeping your closing on track.
Understanding title insurance in California
Title insurance protects you and your lender from potential legal issues related to property ownership, such as liens, recording errors, or undisclosed heirs. In California, title insurance is a one-time fee paid at closing. Because of this, shopping around can make sense if you want the best combination of service, coverage, and cost.
Your right to choose a title insurance company
Under RESPA (Real Estate Settlement Procedures Act), buyers are free to select their own title insurance provider. This means you don’t have to automatically go with the company your agent or lender recommends. Choosing a trusted local company like 805title gives you the benefit of regional expertise and faster response times.
When to start shopping for title insurance
The best time to shop for title insurance is as soon as your offer is accepted. Because the title process runs in parallel with escrow, early coordination ensures your chosen company can begin their title search immediately. Delaying this decision can cause bottlenecks in document review or closing preparation.
How to shop for title insurance without slowing escrow
- Compare providers early: Research title companies right after offer acceptance.
- Get quotes in writing: Request estimates for both owner’s and lender’s title insurance policies.
- Communicate with escrow: Provide your escrow officer the details of your chosen company early in the process.
- Check reputation and response times: Local providers like 805title often close faster because of direct communication with county offices.
- Confirm your lender’s approval: Make sure your lender accepts the title company you select.
How 805title keeps your escrow on track
At 805title, our escrow coordination team works directly with lenders, agents, and escrow officers to streamline communication. Because we operate throughout Southern California; including Ventura, Santa Barbara, and Thousand Oaks; we understand local recording requirements and regional nuances. This helps prevent delays and ensures your title is cleared before closing day.
Typical timeline for title insurance in California
| Stage | Description | Estimated Time |
| Order title | Escrow officer or buyer orders title search | Day 1–2 |
| Title search | Company reviews public records for liens and claims | Day 2–5 |
| Preliminary report | Report is delivered to escrow and parties for review | Day 5–7 |
| Clearing title | Resolve any issues before closing | Day 7–15 |
| Final policy issued | After recording, title policy is finalized | Day 15–30 |
Tips from 805title: How to make your title process smoother
- Provide full names exactly as they appear on ID and contracts.
- Disclose any existing liens, judgments, or name changes early.
- Respond quickly to title company requests for documentation.
- Ask your escrow officer for updates at least twice per week.
Key takeaway: You have control over your title experience
Shopping for title insurance in California doesn’t have to be complicated or slow. By working with 805title, you can ensure your escrow stays on schedule while enjoying transparent pricing and dedicated service. Because of our local expertise and proactive communication, our clients experience fewer delays and smoother closings.
Ready to get a quote?
If you’re buying or selling property in Southern California and want personalized service, visit 805title services page today to get started. Our team is ready to provide a fast, accurate title quote and keep your escrow running smoothly