Do I Need a Standard Policy or Enhanced Policy?

Mechanic’s Lien Coverage

Third Party claims an interest in the title

Improperly executed documents

Pre-Policy forgery, fraud or duress

Non-recorded restrictive covenants

Defective recording of documents

Prior recorded liens not disclosed in the policy

Unmarketability of the title

Policy insures anyone who inherits the property from you

Policy insures the Trustee of your estate-planning trust

Policy insures the beneficiaries of your trust upon your death

Automatic increase in coverage up to 150% (not based on inflation)

Post Policy Forgery

Post Policy encroachment onto insured land

Legal right to ACTUAL vehicular and pedestrian access

Coverage for certain losses due to Building Permit violations
(subject to a deductible and liability limits)

Coverage for certain losses due to zoning law violations
(subject to a deductible and liability limits)

Coverage for certain losses due to existing violation of subdivision law
(subject to a deductible and liability limits)

Post policy structural damage from third party easement for
mineral extraction

Violation of restrictive covenants identified in the Policy:

• Resulting in loss from correction or removal
• Resulting in loss of title
• Resulting in loss of use where single family dwelling prohibited

Forced removal of existing structures that:

• Encroach onto an easement identified in the Policy
• Violate a building restriction line identified in the Policy
• Encroach onto neighbor’s land (subject to a deductible and liability limits if boundary wall or fence)

Land cannot be used for single family dwelling under zoning ordinance