Why Title Insurance?

Title Insurance provides coverage against a loss that could result from liens, encumbrances, or defects to the title of a property. Lenders will typically require a title insurance policy when issuing a mortgage loan to a borrower. Owners have the option to purchase a policy that will protect their interests.

Standard vs. Enhanced Coverage

There are two types of Owner’s Policies available to a property. Please review our comparison chart below to help you decide which policy is best for you.

A Comparison of Owner’s Title Insurance Coverage
Protection from financial loss due to: Standard Coverage Enhanced Coverage
Ownership Title: another party claiming an ownership in your home check-mark check-mark
Public Record Errors: issues relating to an improperly signed document or a document recorded inaccurately at the county recorder’s office  check-mark  check-mark
Fraud & Forgery: another party having rights in your property arising from forgery or false impersonation  check-mark  check-mark
Undisclosed Heirs: an unknown heir claims an ownership interest in your home check-mark  check-mark
Liens: a creditor of the previous owners attempting to enforce a lien  check-mark
Access: discovering you do not have actual physical access to your home check-mark
Subdivision Law: loss from a violation of a subdivision law resulting in the inability to obtain a building permit* check-mark
Building Permit: if you are forced to remove or remedy your existing structures, other than boundary walls and fences, because they were constructed without obtaining a proper building permit*  check-mark
Zoning: if you are required to remove or remedy your existing structures, other than boundary walls and fences, due to a violation of a zoning law*  check-mark
Encroachment (your structures on neighbor’s property): your neighbor forces you to remove an existing structure(s), which encroaches onto neighbor’s land (boundary walls or fences are subject to a deductible)* check-mark
Encroachment (neighbor’s existing structures encroaching on your property): your property becomes unmarketable because someone refuses to perform a contract to purchase, lease it, or make a mortgage loan due to your neighbor’s structure encroaching on your land check-mark
Encroachment (neighbor creating encroachments after closing): if your neighbor builds any structures after the Policy Date, other than boundary walls and fences, which encroach on your land check-mark
Encroachment (your structures encroaching an easement): if you are forced to remove a structure which encroaches onto an easement or over a building set-back line check-mark
Encroachment (your structures encroaching an easement): if you are forced to remove a structure which encroaches onto an easement or over a building set-back line check-mark
Surface Extraction: loss from damage to existing improvements due the future right to use the surface of the land for the extraction or development of minerals or water  check-mark
Covenants, Conditions, Restrictions: if you are forced to remove or correct a violation by a previous owner  check-mark
Supplemental Taxes: supplemental or “roll back” taxes for a period before the policy date check-mark
Continuation of Coverage: provides ownership coverage to anyone who inherits the property; a spouse who receives title upon dissolution of marriage; the trustee to whom the insured transfers title and the beneficiaries of the trust  check-mark check-mark
Automatic Increased Coverage: policy liability coverage increases 10% per year for 5 years to a maximum of 150% of the initial policy amount  check-mark

*Coverage is limited to deductibles and maximum dollar amounts of liability
.