Kevin, PA is an all inclusive state. Companies can't (some do somehow) charge a title search and exam fee however, the premiums are quite large. Below is a small scale in 100K incriments starting from $0.00:

Insurance (Loan) Amount               Premium (Basic)

              0-30K                                 $420.00
              100 K                                  $863.75
              200 K                                  $1363.75
              300 K                                  $1863.75
              400 K                                  $2363.75
              1 Mill                                   $4733.75

Maybe that will help people understand PA a bit better.

Thanks.

Jason