|
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
|
|
|