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Standard |
Enhanced |
| Someone else owns an interest in your title |
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| A document is not properly signed |
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| Forgery, fraud, duress in chain of title |
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| Defective recording of any documents |
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| There are restrictive covenants |
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| There is a lien on your title from: |
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| - Deed of trust/mortgage |
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| - Violates a restriction in Schedule B |
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| Title is unmarketable |
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| Mechanic's Lien |
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| Forced removal of a structure because it: |
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| - Extends onto another property and/or easement |
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| - Violates a restriction in Schedule B |
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| - Violates an existing zoning law* |
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| Cannot use the land as a single family residence because the use violates a Restriction in Schedule B or zoning |
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| Unrecorded lien by a homeowners' association |
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| Unrecorded Easements |
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| Building permit violations* |
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| Restrictive Covenant violations |
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| Post-policy forgery |
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| Post-policy encroachment |
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| Post-policy damage from extractions of minerals or water |
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| Lack of vehicular and pedestrian access |
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| Maps not consistent with legal description |
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| Post policy adverse possession |
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| Post policy prescriptive easement |
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| Covenant violation resulting in reversion of title to previous owner |
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| Violation of building setback regulations |
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| Discriminatory Covenants |
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| OTHER BENEFITS |
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| Pays rent for substitute land or facilities |
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| Rights under unrecorded leases |
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| Plain language statements of policy coverage and restrictions |
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| Subdivision law violation |
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| Coverage for boundary wall or fence encroachment* |
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| Added ownership coverage leads to enhanced marketability |
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| Insurance coverage for a lifetime |
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| Post policy inflation coverage (150% over five years) |
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| Post policy Living Trust Coverage |
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| NOTE: Enhanced policy costs more than the standard policy |
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*Deductible and maximum limits apply |
