Idaho escrow agency bonds.
$200 flat.
Idaho requires a licensed escrow agency to file a $20,000 surety bond with the Department of Finance under the Idaho Escrow Act. Ours is $200 flat, issued instantly — with one soft credit check that never affects your score.
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How much does an Idaho escrow agency bond cost?
$200 at the $20,000 amount, the same for every applicant.
Three steps to filed.
Your escrow license is waiting on this bond. Here's the entire process — no broker phone tag:
Apply once, online
Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.
Approved
Most are approved as soon as you apply. One soft credit pull, never a hard inquiry, and it never affects your score. If it needs a second look, one to two business days at most.
E-sign & file with the Department of Finance
Pay online and receive the executed bond, ready to file with your escrow agency license application or renewal. Wet-ink originals mailed whenever the Department insists.
What it is and who needs it.
What the bond actually guarantees
Idaho licenses escrow agencies through the Department of Finance under the Idaho Escrow Act. The bond is a consumer-protection guarantee: it stands behind your faithful handling of the escrow trust funds people place with you during a transaction.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Idaho together with anyone harmed (the protected parties). If an agency fails to abide by the Idaho Escrow Act and causes loss to a person, that person can recover against the bond up to its penal sum.
The required amount scales with your trust balance. The $20,000 bond is the entry-level figure for agencies whose average month-end escrow trust account balance is $50,000 or less; larger balances require a larger bond. Send us your figures and we'll confirm which applies.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the $20,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
E-sign & file with the Department of Finance. Pay online and receive the executed bond, ready to file with your escrow agency license application or renewal. Wet-ink originals mailed whenever the Department insists.
What sets the price
The premium is fixed at $200 at the $20,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.
Start the application →Common questions.
Other Idaho bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
The Department of Finance is waiting on one document.
$200 flat, short application, bond issued when you pay. Free until issued.