Wash. Rev. Code » Title 48 · Chapter 48.29
Revised Code of Washington

Wash. Rev. Code § 48.29.010 (2026)

✓ current as of May 2026
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(1) This chapter relates only to title insurers for real property.
(2) This code does not apply to persons engaged in the business of preparing and issuing abstracts of title to property and certifying to their correctness so long as the persons do not guarantee or insure the titles.
(3) For purposes of this chapter, unless the context clearly requires otherwise:
(a) "Abstract of title" means a written representation, provided under contract, whether written or oral, intended to be relied upon by the person who has contracted for the receipt of this representation, listing all recorded conveyances, instruments, or documents that, under the laws of the state of Washington, impart constructive notice with respect to the chain of title to the real property described. An abstract of title is not a title policy as defined in this subsection.
(b)(i) "Advisory organization" means a group, association, or other organization of insurers that assists insurers or rating organizations in rate making by the collection and furnishing of loss or expense statistics, or by the submission of recommendations, but that does not make filings under this chapter.
(ii) The term "advisory organization" does not include subscribers' committees provided for in RCW 48.29.430 or the statistical reporting agent provided for in RCW 48.29.017.
(c) "Associates of producers" means any person who has one or more of the following relationships with a producer of title insurance business:
(i) A spouse, parent, or child of a producer;
(ii) A corporation or business entity that controls, is controlled by, or is under common control with a producer;
(iii) An employer, employee, independent contractor, officer, director, partner, franchiser, or franchisee of a producer; or
(iv) Anyone who has an agreement, arrangement, or understanding with a producer, the purpose or substantial effect of which is to enable the person in a position to influence the selection of a title insurer or title insurance agent to benefit financially from the selection of the title insurer or title insurance agent.
(d) "Financial interest" means any interest, legal or beneficial, that entitles the holder directly or indirectly to any of the net profits or net worth of the entity in which the interest is held.
(e) "Member" means an insurer that participates in or is entitled to participate in the management of a rating organization or an advisory organization.
(f) "Preliminary report," "commitment," or "binder" means reports furnished in connection with an application for title insurance and are offers to issue a title policy subject to the stated exceptions in the reports, the conditions and stipulations of the report and the issued policy, and other matters as may be incorporated by reference. The reports are not abstracts of title, nor are any of the rights, duties, or responsibilities applicable to the preparation and issuance of an abstract of title applicable to the issuance of any report. The report is not a representation as to the condition of the title to real property, but is a statement of terms and conditions upon which the issuer is willing to issue its title policy, if the offer is accepted.
(g) "Producers of title insurance business" means real estate agents and brokers, lawyers, mortgagees, mortgage loan brokers, financial institutions, escrow agents, persons who lend money for the purchase of real estate or interests therein, building contractors, real estate developers and subdividers, and any other person who is or may be in a position to influence the selection of a title insurer or title insurance agent whether or not the consent or approval of any other person is sought or obtained with respect to the selection of the title insurer or title insurance agent.
(h)(i) "Rating organization" means an entity, the object or purpose of which is the adoption or making of title insurance forms, including forms of policy, application, rider, and endorsement, and title insurance rates, manuals of rules and rates, rating plans, rate schedules, minimum rates, class rates, and rating rules.
(ii) The term "rating organization" does not include two or more insurers operating under the authority granted in RCW 48.29.440.
(i) "Subscriber" means an insurer that employs the services of a rating organization for the purpose of making form or rate filings, whether or not the title insurer is a member of such rating organization.
(j) "Title policy" means any written instrument, contract, or guarantee by means of which title insurance liability is assumed.
[ 2017 c 103 s 2; 2008 c 110 s 1; 2005 c 223 s 14; 1997 c 14 s 1; 1947 c 79 s .29.01; Rem. Supp. 1947 s 45.29.01.]
Notes of Decisions
Cited in 24 cases (5 in the last 5 years), 2002–2024 · leading case: Barstad v. Stewart Title Guar. Co., Inc., 39 P.3d 984 (Wash. 2002).
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Barstad v. Stewart Title Guar. Co., Inc., 39 P.3d 984 (Wash. 2002). · cites it 16× “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Barstad v. Stewart Title Guar. Co., 145 Wash. 2d 528 (Wash. 2002). · cites it 16× “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Centurion Props. III, LLC v. Chicago Title Ins. Co., 375 P.3d 651 (Wash. 2016). · cites it 7× “2d 528 , where we held that title insurance companies do not have a duty of care when preparing commitment reports under RCW 48.29.010. Kim addresses neither chapter 48.”
In Re Parentage of JMK, 119 P.3d 840 (Wash. 2005). “3d 984 (2002) (applying RCW 48.29.010 retroactively because it is curative and intended by the legislature to apply retroactively).”
Brock v. Kepl, 155 Wash. 2d 374 (Wash. 2005). “3d 984 (2002) (applying RCW 48.29.010 retroac *393 tively because it is curative and intended by the legislature to apply retroactively).”
Dave Robbins Constr., LLC v. First Am. Title Co., 249 P.3d 625 (Wash. Ct. App. 2010). · cites it 2× “3d 984 (2002) (citing RCW 48.29.010(3)(c)). “Significantly, the Legislature clearly established that a preliminary commitment is not a represen *900 tation of the condition of title, but a ‘statement of terms and conditions upon which the issuer is willing to issue its title…”
Campbell v. Ticor Title Ins., 209 P.3d 859 (Wash. 2009). “” RCW 48.29.010(3)(a). Chapter 48.29 RCW does not define “title insurance” itself, but it is generally understood as “[a]n agreement to indemnify against loss arising from a defect in title to real property, usu[ally] issued to the buyer of the property by the title company that…”
Campbell v. Ticor Title Ins. Co., 209 P.3d 859 (Wash. 2009). “" RCW 48.29.010(3)(a). Chapter 48.29 RCW does not define title insurance itself, but it is generally understood as "[a]n agreement to indemnify against loss arising from a defect in title to real property, usu[ally] issued to the buyer of the property by the title company that…”
Centurion Props. III, LLC v. Chicago Title Ins., 793 F.3d 1087 (9th Cir. 2015). “3d at 988 (citing Wash. Rev. Code § 48.29.010 (3)(c)). Considerations of “logic, common sense, justice, policy, and precedent” may counsel for more expansive liability when a title company actually acts on behalf of a client.”
Assocs. Hous. Fin. v. Stredwick, 83 P.3d 1032 (Wash. Ct. App. 2004). · cites it 2× “070; RCW 48.29.010. With such notice, she did not acquire superior interest in the property.”
Huntington v. Mila, Inc., 75 P.3d 354 (Nev. 2003). “2d 82, 86 (Idaho 1982) (refusing to impose the liabilities of an abstractor upon a title insurance company merely because it issued a preliminary title report).”
Michak v. Transnation Title Ins. Co., 64 P.3d 22 (Wash. 2003). “As Transnation has observed, by permitting no correction of the legal description, the Court of Appeals majority effectively "transformed Transnation's preliminary commitment into an abstract of title, a guarantee of the condition of the title," and "impose[d] duties upon…”
Show all 24 citing cases →
— Wash. Rev. Code § 48.29.010(3) — 2 cases
Barstad v. Stewart Title Guar. Co., Inc., 39 P.3d 984 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Barstad v. Stewart Title Guar. Co., 145 Wash. 2d 528 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
— Wash. Rev. Code § 48.29.010(3)(a) — 4 cases
Campbell v. Ticor Title Ins., 209 P.3d 859 (Wash. 2009). “” RCW 48.29.010(3)(a). Chapter 48.29 RCW does not define “title insurance” itself, but it is generally understood as “[a]n agreement to indemnify against loss arising from a defect in title to real property, usu[ally] issued to the buyer of the property by the title company that…”
Campbell v. Ticor Title Ins. Co., 209 P.3d 859 (Wash. 2009). “" RCW 48.29.010(3)(a). Chapter 48.29 RCW does not define title insurance itself, but it is generally understood as "[a]n agreement to indemnify against loss arising from a defect in title to real property, usu[ally] issued to the buyer of the property by the title company that…”
Mansur Props. LLC v. First Am. Title Ins. Co. (W.D. Wash. 2022).
Janice Courchaine v. Commonwealth Land Title Ins. Co. (Wash. Ct. App. 2012).
— Wash. Rev. Code § 48.29.010(3)(b) — 9 cases
Centurion Props. III, LLC v. Chicago Title Ins. Co., 375 P.3d 651 (Wash. 2016). “2d 528 , where we held that title insurance companies do not have a duty of care when preparing commitment reports under RCW 48.29.010. Kim addresses neither chapter 48.”
Barstad v. Stewart Title Guar. Co., Inc., 39 P.3d 984 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Barstad v. Stewart Title Guar. Co., 145 Wash. 2d 528 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Assocs. Hous. Fin. v. Stredwick, 83 P.3d 1032 (Wash. Ct. App. 2004). “070; RCW 48.29.010. With such notice, she did not acquire superior interest in the property.”
Assocs. Hous. Fin. L.L.C. v. Stredwick, 120 Wash. App. 52 (Wash. Ct. App. 2004).
— Wash. Rev. Code § 48.29.010(3)(c) — 10 cases
Centurion Props. III, LLC v. Chicago Title Ins. Co., 375 P.3d 651 (Wash. 2016). “2d 528 , where we held that title insurance companies do not have a duty of care when preparing commitment reports under RCW 48.29.010. Kim addresses neither chapter 48.”
Barstad v. Stewart Title Guar. Co., Inc., 39 P.3d 984 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Barstad v. Stewart Title Guar. Co., 145 Wash. 2d 528 (Wash. 2002). “29 RCW, which sets forth the general duties of title insurers, clarifying the distinctions between a title policy, an abstract of title, and a preliminary report, binder or commitment.”
Dave Robbins Constr., LLC v. First Am. Title Co., 249 P.3d 625 (Wash. Ct. App. 2010). “3d 984 (2002) (citing RCW 48.29.010(3)(c)). “Significantly, the Legislature clearly established that a preliminary commitment is not a represen *900 tation of the condition of title, but a ‘statement of terms and conditions upon which the issuer is willing to issue its title…”
Michak v. Transnation Title Ins. Co., 64 P.3d 22 (Wash. 2003). “As Transnation has observed, by permitting no correction of the legal description, the Court of Appeals majority effectively "transformed Transnation's preliminary commitment into an abstract of title, a guarantee of the condition of the title," and "impose[d] duties upon…”
— Wash. Rev. Code § 48.29.010(3)(f) — 2 cases
Christopher E. Larson, Et Ano., V. Snohomish Cnty. (Wash. Ct. App. 2021).
Christopher E. Larson, Et Ano, V. New Century Mortg. (Wash. Ct. App. 2021).
— Wash. Rev. Code § 48.29.010(3)(j) — 2 cases
High Definition Homes, LLC v. Stewart Title Guar. Co. (Wash. Ct. App. 2024).
Mansur Props. LLC v. First Am. Title Ins. Co. (W.D. Wash. 2022).
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