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%.