Can I get a discount on title insurance if I recently bought or refinanced?

Often, yes. Idaho allows a reduced “reissue” rate on a new owner’s policy when the property was recently insured under a prior policy and you can provide a copy of that policy, or reasonable proof of it. A reduced rate is also commonly available on the lender’s policy when you refinance and already hold an owner’s policy. Reissue rates are set by each company’s filed rate schedule, so the savings vary. Ask Kootenai Title Company what reissue or refinance rate applies to your transaction.