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Texas title insurance agent bonds.
From $100.
Every licensed Texas title insurance agent and direct operation files a surety bond with the Department of Insurance under Insurance Code § 2651.101 (form FINT122). The amount scales with your premium written; the premium is 1% of the bond amount, with a $100 minimum.
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Three steps. One sitting.
No underwriting queue for the standard title agent bond — enter your amount, pay, and file with TDI. Here is the whole thing:
Apply online
Your business details, the bond amount (10% of your gross premium written), and the effective date — that is the application.
Issued on the spot
No credit check up to $10,000. Above $10,000, a soft pull may add a short review.
File on form FINT122 with TDI
Submit the executed bond as proof of bond with your title agent license. Wet-ink originals mailed whenever TDI insists.
What it is and who needs it.
What the title agent bond actually covers
Texas licenses title insurance agents and direct operations through the Department of Insurance under Insurance Code Chapter 2651. Each agent and direct operation must make, file, and pay for a surety bond payable to the Department, filed on form FINT122.
The bond is conditioned on paying any pecuniary loss sustained by a participant in an insured real-property transaction through an act of fraud, dishonesty, theft, embezzlement, or wilful misapplication by the agent or direct operation — and on covering Department administrative expense in a receivership.
The amount is set by statute at the greater of $10,000 or 10% of the gross premium written by the agent or direct operation in its latest statistical report to the Department, not to exceed $100,000. Under § 2651.102, TDI also accepts cash, an irrevocable letter of credit, or approved securities in lieu of a bond; the application for the surety bond collects no credit check up to $10,000, and pricing is variable by bond amount, from $100.
You need this bond if you are
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 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.
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
File on form FINT122 with TDI. Submit the executed bond as proof of bond with your title agent license. Wet-ink originals mailed whenever TDI insists.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $10,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One short form to your exact price.
Submit the application with your required bond amount — most applicants see their exact price and an instant issuance with TDI.
Start the application →Common questions.
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Price and requirements checked on the carrier’s application, . Page updated .
Title agent bond, issued today.
Premiums from $100. Enter your amount and file with TDI the same day.