For a one-time fee, title insurance protects homeowners.
|Policy coverage||Enhanced Policy (ALTA 2010 Homeowner's Policy)||Basic Policy (ALTA 2006 Owner's Policy)|
|Liens on your title from prior to your purchase (i.e., judgments, state or federal tax liens, homeowner’s association liens, mortgages)||X||X|
|Coverage to heirs who inherit title||X||X|
|Somebody claims an interest in your title||X||X|
|Somebody claims to have rights affecting your title because of forgery, fraud,
or impersonation, prior to your purchase
|No legal access to and from the land||X||X|
|Claim resulting from a falsified, expired, or invalid power of attorney||X||X|
|Somebody has right to limit your use of the land||X||X|
|Encroachments and boundary line disputes that would be disclosed by a survey||X||X|
|Mechanic’s liens (liens against the property due to non-payment of work)||X||X|
|Trustee of Trust is covered, if created by you for estate planning purposes||X||X|
|Forced removal of encroachments (subject to deductible and maximum liability)||X|
|Encroachment onto property after date of policy (except for walls and fences)||X|
|Forgery after date of policy||X|
|Policy coverage increases 10% per year up to 150%||X|
|Unable to sell, build, mortgage, lease due to subdivision law violation||X|
|Forced removal of existing structures (except boundary walls or fences)
due to lack of prior building permit or zoning violation
|Unable to use as residence due to existing zoning law violation (subject to deductible and maximum liability)||X|
|Forced removal due to existing restriction violation (subject to deductible and maximum liability)||X|
|Claim to title due to existing restriction violation||X|
Please refer to policy for exact insuring provisions, conditions, exclusions and exceptions.
For sale: Properties which are available for showings and purchase
Active contingent: Properties which are available for showing but are under contract with another buyer
Pending: Properties which are under contract with a buyer and are no longer available for showings
Sold: Properties on which the sale has closed.
Coming soon: Properties which will be on the market soon and are not available for showings.
Contingent and Pending statuses may not be available for all listings