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Standard and Extended Policy Coverage Side-by-Side Comparison
|
Owner's Policy Coverage
|
Standard
|
Expanded
|
|---|---|---|
|
1. Someone else owns an interest in your title
|
✓
|
✓
|
|
2. A document is not properly signed
|
✓
|
✓
|
|
3. Forgery, Fraud, Duress
|
✓
|
✓
|
|
4. Defective recording of any document
|
✓
|
✓
|
|
5. There are restrictive covenants
|
✓
|
✓
|
|
6. There is a lien on your title because there is a...
a.) deed of trust
b.) judgment, tax, or special assessment
c.) change by the homeowner association
|
✓
✓
✓
|
✓
✓
✓
|
|
7. Title is unmarketable
|
✓
|
✓
|
|
8. Right of legal access
|
|
✓
|
|
9. Mechanic's lien protection
|
|
✓
|
|
10. Parties in possession
|
|
✓
|
|
11. Unrecorded easements, liens, or encumbrances
|
|
✓
|
|
12. Right under unrecorded leases
|
|
✓
|
|
13. Unpatented mining claim
|
|
✓
|
|
14. Encroachments, conflicts in boundary lines
|
|
✓
|
|
15. Plain language
|
|
✓
|
|
16. Address
|
✓
|
✓
|
|
17. Electronic Recording
|
✓
|
✓
|
|
18. Enhanced Claim Defense
|
✓
|
✓
|
|
19. Gap coverage
|
✓
|
✓
|
|
20. Enhanced Insured coverage
|
✓
|
✓
|
|
21. Forced removal of a structure because it...
a.) extends on to other land or on to an easement
b.) violates a restriction in Schedule B
|
✓
✓
|
✓
|
|
22. Can't use land for SFD because the use violates a restriction in Schedule B or a zoning ordinance
|
|
✓
|
|
23. Pays rent for substitute land and facilities
|
|
✓
|
|
24. Unrecorded lien by a homeowner association
|
|
✓
|
|
25. Building permit violation *
|
|
✓
|
|
26. Compliance and Subdivision Map Act *
|
|
✓
|
|
27. Restrictive covenant violation
|
|
✓
|
|
28. Post Policy Forgery
|
|
✓
|
|
29. Post Policy Encroachment
|
|
✓
|
|
30. Post Policy Damage from minerals or water extraction
|
|
✓
|
|
31. Post Policy Living Trust Coverage
|
✓
|
✓
|
|
32. Enhanced Access - Vehicular and Pedestrian
|
|
✓
|
|
33. Map not consistent with legal description
|
|
✓
|
|
34. Post Policy automatic increase in value up to 150%
|
|
✓
|
|
35. Post Policy adverse possession
|
|
✓
|
|
36. Post Policy cloud on title
|
|
✓
|
|
37. Post Policy prescriptive easement
|
|
✓
|
|
38. Covenant violation resulting in reversion
|
|
✓
|
|
39. Boundary walls and fence encroachment *
|
|
✓
|
|
40. Enhanced marketability
|
|
✓
|
|
41. Violations of building setbacks
|
|
✓
|
|
42. Discriminatory covenants
|
|
✓
|
* Subject to a deductible and maximum indemnity liability, which may be less than the policy amount. Subject to the conditions, stipulations, and exclusions from coverage.