|
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
|
|
|