Comparison of Coverages

* Subject to a deductible and maximum indemnity liability, which may be less than the policy amount

Coverage Standard Owners Policy Advantage Owners Policy
1. Someone else owns an interest in your title x x
2. Improperly executed documents x x
3. Pre-policy forgery, fraud and duress x x
4. Defective recording of any document x x
5. Undisclosed restrictive covenants x x
6. A lien on your title because of a security deed, judgment, tax or special assessment, or a charge by a homeowner’s association x x
7. Unmarketable title x x
8. Mechanic’s liens x
9. Forced removal of a structure which encroaches onto another property or an easement x
l0. Forced removal of a structure which violates an existing zoning law* x
11. Forced removal of a structure because of a violation of a restriction in Schedule B x
12. Inability to use land for single family dwelling because of a violation of a zoning ordinance or restriction in schedule B x
13. Pays rent for substitute land or facilities x
14. Rights under unrecorded leases x
15. Plain language x
16. Unrecorded easements x
17. Building permit violations* x
18. Compliance with Subdivision Map Act, if any* x
19. Restrictive covenant violations x
20. Map, if any, not consistent with legal description x
21. Covenant violation resulting in reversion x
22. Enhanced marketability x
23. Violations of building setbacks x
24. Discriminatory covenants x
25. Post Policy forgery x
26. Post Policy encroachment x
27. Post Policy damage from minerals or water extraction x
28. Post Policy living Trust Coverage for Trustee x
29. Post Policy living Trust Cover for Beneficiary x
30. Access – Actual vehicular & Pedestrian access based on a legal right x
32. Post Policy adverse possession x
33. Post Policy cloud on title x
34. Post Policy prescriptive easement x
35.. Boundary walls and fence encroachment* x
36. Insurance coverage forever x