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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.
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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 
Public Record Errors: issues relating to an improperly signed document or a document recorded inaccurately at the county recorder’s office Fraud & Forgery: another party having rights in your property arising from forgery or false impersonation Undisclosed Heirs: an unknown heir claims an ownership interest in your home Liens: a creditor of the previous owners attempting to enforce a lien Access: discovering you do not have actual physical access to your home Subdivision Law: loss from a violation of a subdivision law resulting in the inability to obtain a building permit* 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* 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* 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)* 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 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 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 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 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 Covenants, Conditions, Restrictions: if you are forced to remove or correct a violation by a previous owner Supplemental Taxes: supplemental or “roll back” taxes for a period before the policy date 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 Automatic Increased Coverage: policy liability coverage increases 10% per year for 5 years to a maximum of 150% of the initial policy amount *Coverage is limited to deductibles and maximum dollar amounts of liability.
