This insurance provides home buyers and lenders with protection against losses from certain title issues, including:
-Someone else owns an interest in your title.
-A document is not properly signed.
-Forgery, fraud, duress in the chain of title.
-Defective recording of any document.
-There are restrictive covenants.
-Title is unmarketable.
-There is a lien on your title because there is
a deed of trust, a judgement, tax or special assessment,
or a charge by a homeowner’s association.
This insurance provides home buyers and lenders with protection against losses from the certain title issues listed above, it also includes expanded title coverage for owners of one-to-four family residences, including condominiums. Enhanced coverage offers the highest levels of protection available to homeowners, including protection from:
-Forced removal of a structure because it extends on
another property and/or easement, violates a restriction
in Schedule B, or violates an existing zoning law.
-Cannot use the land for a Single-Family Residence because the use violates
a restriction in Schedule B or a zoning ordinance.
-Unrecorded lien by a homeowners association.
-Building permit violations.
-Restrictive covenant violations.
-Post-policy damage from extraction of minerals or water.
-Lack of vehicular and pedestrian access.
-Map not consistent with legal description.
-Post-policy adverse possession.
-Post-policy prescriptive easement.
-Covenant violation resulting in your title reverting to a previous owner.
-Violation of building setback regulation.
-Pays rent for substitute land or facilities.
-Rights under unrecorded leases.
-Plain language statements of policy coverage and restrictions.
-Subdivision Law Violation.
-Coverage for boundary wall or fence encroachment.
-Added ownership coverage leads to enhanced marketability.
-Insurance coverage for a lifetime.
-Post-policy inflation coverage with automatic increase in value up to 150% over five years.
-Post-policy Living Trust coverage.