Question 1

What is title insurance?

Accepted Answer

Title insurance protects property owners and lenders against financial loss from defects in a title to real property, such as liens, encumbrances, or defects that were unknown at the time of purchase. It provides coverage for past events, unlike other insurance types that cover future risks.

Question 2

What areas does Meridian Title Company serve?

Accepted Answer

Meridian Title Company serves Rock Island, Mercer, Henry, and Whiteside counties in Illinois, as well as all counties in Iowa. We have been serving the Quad City area since 1989.

Question 3

How much does a title search cost?

Accepted Answer

Title search fees vary by county. For Rock Island, Henry, or Scott counties, the fee is $225.00. For Mercer and Whiteside counties, the fee is $275.00. Limited title searches are $250.00, or $300.00 with a post search.

Question 4

What are the closing fees at Meridian Title Company?

Accepted Answer

Closing fees (effective January 1, 2026) vary by transaction type: Cash Residential is $400.00, Lender Residential is $500.00, and Cash Commercial is $600.00. Lender Commercial pricing is to be determined—please call for a quote.

Question 5

How long has Meridian Title Company been in business?

Accepted Answer

Meridian Title Company was founded in 1989 and has over 35 years of experience providing title insurance and settlement services in the Quad City area.

Question 6

How do I order a title search or closing?

Accepted Answer

You can email orderdesk@mtctitle.com for all title orders, or call 309-794-9300 during business hours (Monday-Friday, 8:30 AM - 5:00 PM) to speak with our team.

Question 7

Why do I need title insurance?

Accepted Answer

Title insurance protects your property ownership from hidden risks such as unknown heirs, forged documents, unpaid taxes, liens, errors in public records, and survey issues. It's a one-time purchase that provides protection for as long as you own the property.

Question 8

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

Accepted Answer

Owner's title insurance protects the property buyer's investment and equity in the property. Lender's title insurance protects the mortgage lender's interest in the property. Most lenders require lender's title insurance as a condition of the loan.

Title Insurance Fees & Downloadable Forms

CLOSING FEES

Closing Fee

Loan Policy Premium

Owner's Policy Premium

Search Fee (RI, Henry or Scott)

Search Fee (Mercer & Whiteside)

Standard Lender Endorsements (Location, ALTA 9 & EPA)

State of Illinois Fee

Limited Title Search

Downloadable Forms