Predictika · Texas title insurance premium

An AI sales agent's title insurance premium quote, checked against the Texas promulgated rates before it goes out

An AI sales agent quotes the premium for a Texas owner policy, a loan policy or both: the policy amounts, whether they are issued together, the endorsements and how the premium is paid. Before the quote goes out, the agent sends it to Predictika, which checks it against a declarative model of the promulgated rate rules, computes the premiums and returns a verdict and every reason.

Scope: Texas title insurance premiums: owner and loan policies, simultaneous issue, two endorsements and installments. See everything this validator covers

This validator models premium quoting under the Basic Manual of Rules, Rates and Forms for the Writing of Title Insurance in the State of Texas, not just the scenarios shown below. It uses the basic premium rate table effective March 1, 2026 (Commissioner Order 2025-9697) published by the Texas Department of Insurance.

  • Basic premium rate — the promulgated table from $25,000 to $100,000 in $500 steps and the published rates per $1,000 above $100,000, for an owner policy, a loan policy, or both (Rate Rules R-1 and R-3).
  • Simultaneous issue — the flat loan policy premium when an owner policy and a loan policy are issued together on one date, on the same land, with the lien shown as an exception (Rate Rule R-5), and the excess-loan case.
  • Endorsements — the access endorsement (T-23) and the contiguity endorsement (T-25) at their promulgated flat charges (Rate Rules R-30 and R-32).
  • Installments — premium paid in installments only on a policy of $5,000,000 or more (Rate Rule R-2), with the down-date endorsement procedure left for the title company to confirm.
  • The quoted figures — the owner, loan, endorsement and total premiums the agent states are compared with the computed ones.

Any quote of these items is in scope — not only the scenarios pictured here. Not covered: other endorsements and rate rules in the Basic Manual, escrow and other fees, tax and recording charges, refinance and reissue credits, and the title company's own judgment on matters it reserves to itself.

The AI sales agentPrepares the premium quote from the transaction details and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A premium taken from the wrong band of the rate tableOnly with care
The rate above $100,000 is a per-$1,000 amount with a different base for each of seven bands, so a rep can easily apply the wrong band or round differently.		The premium is computed from the promulgated table and bands on every call and compared with the figure the agent stated.
Simultaneous issue only when all of its conditions holdOnly with workarounds
The flat loan premium depends on one date, the same land and the lien exception together, and a quote that meets two of the three looks right.		All conditions are checked together and the flat rate is refused when one fails.
Installments only on a policy of $5,000,000 or moreOnly with care
It is a single threshold on the policy amount that is easy to overlook when the loan or owner policy is the smaller of the two.		The threshold is checked on every call and the approval for the down-date procedure is raised.
A stated total that does not add up from the linesOnly with workarounds
A total typed or copied from an older table passes unless a separate rule recomputes it from the lines.		The owner, loan, endorsement and total figures are each recomputed and compared.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote prices the loan policy as a simultaneous issue under Rate Rule R-5, but R-5 needs an owner policy and a loan policy issued simultaneously with the same date, covering the same land only, with the lien shown as an exception in the owner policy.
2The quote states a loan policy premium of $N but the validator computes $N.
3The quote states a total premium of $N but the validator computes $N.
4The quote states an owner policy premium of $N but the validator computes $N.
5The quote states endorsement premiums of $N but the validator computes $N.
6A contiguity endorsement is requested on the owner policy, but the quote has no owner policy.
7The policy amounts do not match the policies requested; an owner policy needs an owner policy amount and a loan policy needs a loan policy amount.
8Premium paid in installments is allowed only when the face amount of the policy is $5,000,000 or more (Rate Rule R-2).
9Premium paid in installments under Rate Rule R-2 also needs the down-date endorsement procedure, so the title company must confirm that its conditions are met.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Simultaneous issue: An owner and a loan policy dated on different days, priced as a simultaneous issue

    
The agent's request. Please quote the title insurance premium for an owner policy of $450,000 and a loan policy of $360,000. The simultaneous issue rate is applied, although the policies are dated on different days. There is 1 access endorsement. The premiums stated in the quote are $2,509 for the owner policy, $100 for the loan policy, $100 for endorsements, $2,709 in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Simultaneous issue pricing not available. The quote prices the loan policy as a simultaneous issue under Rate Rule R-5, but R-5 needs an owner policy and a loan policy issued simultaneously with the same date, covering the same land only, with the lien shown as an exception in the owner policy.
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  • Quoted loan premium does not match. The quote states a loan policy premium of $100, but the validator computes $2,064.
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  • Quoted total does not match. The quote states a total premium of $2,709, but the validator computes $4,673.
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2. Simultaneous issue: The agent resubmits after fixing the errors

    
The agent's request. Please quote the title insurance premium for an owner policy of $450,000 and a loan policy of $360,000. The policies are issued together on one date, so the simultaneous issue rate is applied. There is 1 access endorsement. The premiums stated in the quote are $2,509 for the owner policy, $100 for the loan policy, $100 for endorsements, $2,709 in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Owner policy premium $2,509, loan policy premium $100, endorsements $100, total premium $2,709.
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3. Premium from the current table: A large purchase with an owner premium quoted from an old table

    
The agent's request. Please quote the title insurance premium for an owner policy of $10,902,800 and a loan policy of $8,000,000. The policies are issued together on one date, so the simultaneous issue rate is applied. The premiums stated in the quote are $44,000 for the owner policy, $100 for the loan policy, $44,100 in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Quoted owner premium does not match. The quote states an owner policy premium of $44,000, but the validator computes $41,240.
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  • Quoted total does not match. The quote states a total premium of $44,100, but the validator computes $41,340.
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4. Premium from the current table: The agent resubmits after fixing the errors

    
The agent's request. Please quote the title insurance premium for an owner policy of $10,902,800 and a loan policy of $8,000,000. The policies are issued together on one date, so the simultaneous issue rate is applied. The premiums stated in the quote are $41,240 for the owner policy, $100 for the loan policy, $41,340 in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Owner policy premium $41,240, loan policy premium $100, endorsements $0, total premium $41,340.
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5. Installments: A $3,800,000 purchase with the premium paid in installments

    
The agent's request. Please quote the title insurance premium for an owner policy of $3,800,000 and a loan policy of $3,200,000. The policies are issued together on one date, so the simultaneous issue rate is applied. The buyer wants to pay the premium in installments. The premiums stated in the quote are $16,594 for the owner policy, $100 for the loan policy, $16,694 in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Installments need a larger policy. Premium paid in installments is allowed only when the face amount of the policy is $5,000,000 or more (Rate Rule R-2).
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6. Installments: The agent resubmits with the premium paid in full

    
The agent's request. Please quote the title insurance premium for an owner policy of $3,800,000 and a loan policy of $3,200,000. The policies are issued together on one date, so the simultaneous issue rate is applied. The premiums stated in the quote are $16,594 for the owner policy, $100 for the loan policy, $16,694 in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Owner policy premium $16,594, loan policy premium $100, endorsements $0, total premium $16,694.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent quotes the premium for a Texas owner policy, a loan policy or both: the policy amounts, whether they are issued together, the endorsements and how the premium is paid. Before the quote goes out, the agent sends it to Predictika, which checks it against a declarative model of the promulgated rate rules, computes the premiums and returns a verdict and every reason.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote the title insurance premium for an owner policy of $450,000 and a loan policy of $360,000. The simultaneous issue rate is applied, although the policies are dated on different days. The rest of the request is on screen. The premiums stated in the quote are $2,509 for the owner policy, $100 for the loan policy, $100 for endorsements, $2,709 in total.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. The quote prices the loan policy as a simultaneous issue under Rate Rule R-5, but R-5 needs an owner policy and a loan policy issued simultaneously with the same date, covering the same land only, with the lien shown as an exception in the owner policy. The quote states a loan policy premium of $100, but the validator computes $2,064. The quote states a total premium of $2,709, but the validator computes $4,673.
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  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for simultaneous issue only when all of its conditions hold, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the both policies dated the same day to yes.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. The validator also returns the line-item quote. It starts with Basic Premium Rate on an owner policy amount of $450 and Simultaneous issue with the owner policy; the other line is on screen.
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  13. All three earlier findings are cleared, and the validator's total, $2,709.00, matches the quote.
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  14. Three problems caught in one call, fixed in one pass, and a clean $2,509 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
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