Title Insurance

What is Title Insurance?

Title insurance protects the legal ownership of a purchased property. Before you purchase a property, it may have gone through several ownership changes. Title insurance coverage is designed to insure that the chain of ownership to the property is valid and free of defects.

Types of Coverage

Generally there are two types of Owner’s Title Insurance Policies available: Standard and Enhanced. Unlike other forms of insurance, traditional title insurance protects against events that have happened in the past. With an Enhanced Homeowner Policy you are also covered for certain future events and the amount of coverage will increase over the first five years of ownership!

Standard Owner’s Policy Vs. Enhanced Owner’s Policy

An “Enhanced Homeowner’s Policy, if selected, will increase the premiums by 10%.

Coverage Item Standard Policy Enhanced Homeowner Policy
False impersonation of the true owner of the property checkmark checkmark
Forged deeds, releases or wills checkmark checkmark
Instruments executed under invalid or expired power of attorney checkmark checkmark
Mistakes in recording legal documents checkmark checkmark
Misinterpretation of wills checkmark checkmark
Deeds by minors checkmark checkmark
Deeds by persons supposedly single, but in fact married checkmark checkmark
Liens for unpaid estate, inheritance, income or gift taxes checkmark checkmark
Fraud checkmark checkmark
Post Policy Forgery Protection no checkmark checkmark
Enhanced Access Coverage no checkmark checkmark
Building Permit Violations no checkmark checkmark
Subdivision Map Act Coverage no checkmark checkmark
Restrictive Covenant Violations no checkmark checkmark
Mineral Extraction Coverage no checkmark checkmark
Map Inconsistencies Coverage no checkmark checkmark
Coverage Extended to Living Trusts no checkmark checkmark
Enhanced Encroachment Coverage no checkmark checkmark
Automatic Inflation Protection (up to 150%) no checkmark checkmark

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