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Typical Title Insurance Coverages and Features

Some coverages are subject to a deductible and maximum indemnity liability and certain conditions and exclusions from coverage specified in your policy.

  • Someone else owns an interest in title.
  • Claimed rights affecting title because of forgery, fraud, duress, incompetence, incapacity or impersonation.
  • Your title is defective.
  • Undisclosed lien arising from:
    • A mortgage
    • A judgment, tax or special assessment
    • Charge by homeowners or condominium association.
  • Unmarketability of title.
  • Lack of a right of access.
  • May be issued to family partnerships and closely held corporations.
  • Enhanced access coverage for both vehicles and pedestrians.
  • Specific mechanic's lien coverage.
  • Unrecorded easements.
  • Rights under unrecorded leases, contracts or options.
  • Restrictive covenant violations.
  • Zoning law and building permit violations.
  • Encroachment of structure onto an easement or over a building setback line.
  • Post-policy damage to structure from exercise of easement rights.
  • Post-policy damage to structure and other improvements from exercise of rights to use surface to extract minerals or water.
  • Post policy, neighbor builds structure or other buildings on your property.
  • Post-policy forgery.
  • Post-policy assessment of supplemental real estate taxes for pre-policy period.
  • Post-policy automatic increases in amount of policy (5 years -150%).
  • Required removal of structure because it encroaches on neighbor's land.
  • Existing structure with address shown on Schedule A is not built on the land.
  • Post-policy enhanced continuation of coverage (death, divorce).
  • Enhanced marketability.
  • You cannot obtain a building permit because of a violation of existing subdivision law.
  • Required removal or alteration of existing structure because any portion was built without obtaining a building permit from the proper government office.
  • Required removal or alteration of existing structure because it violates an existing zoning law.
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