Comparison of Coverage

Silver, Gold, Platinum Owner’s Policy Options

Coverage Provided

Standard Owners Base Rate

Extended Owners Base rate plus 10%**

Expanded Owners Base rate plus 10%

Someone else owns an interest in your title

x

x

x

A document is not properly signed

x

x

x

Forgery, Fraud or Duress

x

x

x

Defective recording of any document

x

x

x

There are Liens on the title other than as stated in the policy

x

x

x

Title is Unmarketable

x

x

x

There is a lack of a right of access

x

x

x

Protection against mechanic’s liens

 

x

x

Tenant rights under unrecorded leases

 

x

x

Parties in Possession

 

x

x

Unrecorded easements, liens or encumbrances

 

x

x

Unpatented mining claims

 

x

x

Encroachments or conflicts in boundary lines

 

x

x

Forced removal of a structure due to encroachments *

 

 

x

Forced removal of a structure due to violation of a Schedule B exception*

 

 

x

Forced removal of a structure due to violation of zoning *

 

 

x

Land can’t be used for a residence due to zoning violation

 

 

x

Land can’t be used for a residence due to a restriction shown in Schedule B

 

 

x

Payment of rent for substitute land and facilities

 

 

x

Unrecorded liens by a homeowners association

 

 

x

Building Permit violation *

 

 

x

Compliance with Subdivision Map Act *

 

 

x

Violations of restrictive covenants

 

 

x

Post policy forgery

 

 

x

Post policy encroachment

 

 

x

Post policy damage from mineral extraction

 

 

x

Post policy coverage for living trusts

 

 

x

Enhanced vehicular and pedestrian access

 

 

x

Inconsistencies between map and legal description

 

 

x

Post policy value increases up to 150%

 

 

x

Post policy adverse possession

 

 

x

Post policy encumbrances on title

 

 

x

Post policy prescriptive easement

 

 

x

Reversion resulting from covenant violations

 

 

x

Encroachment of walls and fences *

 

 

x

Enhanced marketability

 

 

x

Setback violations

 

 

x

Discriminatory covenants *

 

 

x

* Subject to deductible
** Improved one-to-four family residential property the surcharge is 10%; Other than improved one-to-four family residential property the surcharge is 50%.