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.
We are happy to work with First American Title, Chicago Title Insurance Company, and Old Republic Title.
Please visit their websites for more information about title policies we can offer.