800 E. High St. Pottstown, PA 19464

Choose Your Policy

COMPARISON OF COVERAGES – STANDARD POLICY VS. ENHANCED POLICY

Should you purchase an enhanced policy as opposed to the standard title insurance policy? The choice is completely up to you, the consumer. If you have a question, contact us so we can spend the time necessary with you to learn about the facts of your specific situation. Here is a comparison of coverages to help you decide whether an enhanced title insurance policy is best for you:
Is it covered?
Standard Enhanced
Someone else owns an interest in your title Yes Yes
A document is not properly signed Yes Yes
Forgery, fraud, duress in chain of title Yes Yes
Defective recording of any documents Yes Yes
There are restrictive covenants Yes Yes
There is a lien on your title from:
    a. Deed of trust/mortgage Yes Yes
   b. Violates a restriction in Schedule B Yes Yes
Title is unmarketable Yes Yes
Mechanic’s Lien Yes
Forced removal of a structure because it:
   a. Extends onto another property and/or easement Yes
   b. Violates a restriction in Schedule B Yes
   c. Violates an existing zoning law* Yes
Cannot use the land as a single family residence because the use violates a Restriction in Schedule B or zoning Yes
Unrecorded lien by a homeowners’ association Yes
Unrecorded Easements Yes
Building permit violations* Yes
Restrictive Covenant violations Yes
Post-policy forgery Yes
Post-policy encroachment Yes
Post-policy damage from extractions of minerals or water Yes
Lack of vehicular and pedestrian access Yes
Maps not consistent with legal description Yes
Post policy adverse possession Yes
Post policy prescriptive easement Yes
Covenant violation resulting in reversion of title to previous owner Yes
Violation of building setback regulations Yes
Discriminatory Covenants Yes
OTHER BENEFITS
Pays rent for substitute land or facilities Yes
Rights under unrecorded leases Yes
Plain language statements of policy coverage and restrictions Yes
Subdivision law violation Yes
Coverage for boundary wall or fence encroachment* Yes
Added ownership coverage leads to enhanced marketability Yes
Insurance coverage for a lifetime Yes
Post policy inflation coverage (150% over five years) Yes
Post policy Living Trust Coverage Yes
*Deductible and maximum limits apply

NOTE: ENHANCED POLICY COSTS MORE THAN THE STANDARD POLICY