Standard vs Enhanced Policies

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• Someone else owns or claims to own an interest in your title.
• Title defects due to forgery, fraud, duress, incompetence, incapacity or impersonation.
• Failure of a person or entity to have authorized a transfer or conveyance.
• Improperly created, executed, delivered, or recorded documents.
• A lien on your title because of a deed of trust, judgement, tax lien, mechanics lien, special assessment or homeowner’s association charge.
• Someone else has the right to limit your use of the land.
• Someone else has rights affecting your title because of leases, contracts, or options.
• Unmarketable title.
• Someone else has an easement on your land. 
• No right of access to and from the land.
• Violation or enforcement of laws or government regulations regarding building, zoning, land use, improvements on the land, land division, and environmental protection so long as there is a enforcement notice recorded in the public records.
• Enforcement actions based on the exercise of governmental police power so long as there is a enforcement notice recorded in the public records.
• Someone else owns an interest in your title because a court order invalidates a prior transfer of the title under federal bankruptcy, state insolvency, or similar creditors’ rights law.
• Discriminatory covenants.

The Enhanced Policy includes everything covered in the standard policy as well as the additional benefits listed below.  The Enhanced Policy can cost up to 150% more than a standard policy but also appreciates by ten percent per year for five years, up to 150% over the original policy amount. This automatic increase in coverage is included at no extra cost. 

• No actual vehicular and pedestrian access to and from the land.
• You are forced to correct or remove an existing violation of any covenant, condition or restriction affecting the land. 
• Your title is lost or taken because of a violation of any covenant, condition, or restriction, which occurred before you acquired your title.
• Because of an existing violation of a subdivision law or regulation affecting the land. You are unable to obtain a building permit, you are required to correct or remove the violation, someone else has a legal right to, and does, refuse to perform a contract to purchase the land, lease it, or make a mortgage loan on it.
• You are forced to remove or remedy your existing structure, or any part of them other than boundary lines or fences because any portion was built without obtaining a building permit or because they violate an existing zoning law or zoning restriction.
• You cannot use the land because use as a single-family residence violates an existing zoning law or zoning regulation.
• You are forced to remove your existing structures because they encroach onto your neighbor’s land, onto an easement or over a building setback line.
• Someone else has a legal right to, and does, refuse to perform a contract to purchase the land, lease it or make and mortgage loan on it because your neighbor’s existing structures encroach onto the land.
• Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the land.
• Your existing improvements including lawns, shrubbery, or trees are damaged because of the future exercise of a right to use the surface of the land for the extraction or development of minerals, water, or any other substance,
• A taxing authority assesses supplemental real estate taxes not previously assessed against the land for any period before the policy date because of construction or a change of ownership or use that occurred before the policy date.
• Your neighbor builds any structures after the policy date - other than boundary walls or fences which encroach onto the land.
• The residence with the address shown is not located on the land at the policy date.
• The map, if any, attached to the policy does not show the correct location of the land according to the public records.