Pricing is a percentage of the sales price or amount of the loan- so as the value of property goes up so do the amount of the respective  deals that are completed- and the title insurance does exactly the same thing- what was $150,000  a while back , is now $250,000 or $400,000 , depending on location. The premiums adjust with the the value- as do the assessments of the property too- just like the real estate commissions have skyrocketed with the increased assessments-

Wait a minute Rob- are you telling me that the title insurance in Pa is one set price and does not increase as the value of the property goes up or down?- does not sound like that is correct!!

Let me know- thanks, Steve