There are few things more important than protecting your home! Owner’s Title Insurance is offered because the best title search and examination cannot protect your equity and home from matters not appearing in the public record.

The standard policy covers you for matters affecting your title up to and including the date of the recordation of your Deed. New premium policies underwritten by most national title insurance companies provides coverage for additional risks, many with future coverage. The policy does have deductibles and maximums for some of the coverages. As a result of the expansion of coverage this policy has a higher premium.

Below is a coverage comparison that will help you decide which policy is best for you to protect your ownership in your home.

Coverage Comparison
							Standard Policy		Premium Policy
Both policies include:
			Third Party claims an interest in the title
			Improperly executed documents
			Pre-Policy forgery, fraud or duress
			Non-recorded restrictive covenants
			Defective recording of documents
			Prior recorded liens not disclosed in the policy
			Unmarketability of title
Additional coverages in some new premium policies:
			Mechanic’s Lien Coverage				-
			Policy insures anyone who inherits the property from you				-
			Policy insures a Trustee you transfer the property to after Policy date				-
			Policy insures the beneficiaries of your trust upon your death				-
			Automatic increase in coverage up to 150% (not based on inflation)				-
			Post-Policy forgery				-
			Post-Policy encroachment onto insured land				-
			Legal right to ACTUAL vehicular and pedestrian access				-
			Up to $25,000.00 coverage for certain losses due to Building Permit violations (subject to a deductible*)				-
			Up to $10,000.00 coverage for certain losses due to existing violation of subdivision law (subject to a deductible**)				-
			Post-Policy structural damage from third party easement for mineral extraction				-
			Violation of restrictive covenants identified in the Policy
					Resulting in loss from correction or removal		-
					Resulting in loss of title		-
					Resulting in loss of use where single family dwelling prohibited		-
			Forced removal of existing structures that
					Encroach onto an easement identified in the Policy		-
					Violate a building restriction line identified in the Policy		-
					Encroach onto neighbor’s land (subject to a deductible** and a maximum*** if boundary wall or fence)		-
			Land cannot be used for single family dwelling under zoning ordinance				-