Provo Abstract uses Stewart Title and United General as our Underwriters. These Underwriter's Title Insurance rates are filed with the State of Utah Insurance Department as well as all other underwriters that do busieness in the State of Utah. It is illegal for a title company to charge a different rate than the filed rate with the state. With this said, the Underwriters file two rates: 1. Basic rate 2. Re-issue rate. The re-issue rate can be charged when an ALTA Extended Coverage Loan Policy has been issued insuring the first lien of the lender of a one-to-four family residential property, the new mortgage on the same property shall be issued at the rate of sixty (60%) percent of the Basic Schedule of Rates. The sixty (60%) percent reorganization rate shall be effective for insuring any first loan within six years of the insured loan that is being reorganized. Thereafter all such requests shall be computed at the applicable rate. This rate shall be appropriate on condition that the prior policy, or copy or evidence thereof, has been presented to the Company, and has been deemed acceptable by the Company.

The rate for Stewart Title is shown below: