Basic vs. Enhanced Coverage

Excellence is a Standard

The Differences Between Basic and Enhanced Covers

Coverage	Limited	Enhanced
A third party claims interest in title	x	x
Improperly executed document	x	x
Pre-policy forgery, fraud or duress	x	x
Defective recording of documents	x	x
Undisclosed restrictive covenants	x	x
A lien on your title because:
A. a security deed	x	x
B. judgment, tax, special assessment or	x	x
C. a charge by a homeowners' association	x	x

Mechanics' Liens
Forced removal of structure because:
A. It encroaches onto another property or an easement		x
B. It violates an existing zoning law*		x
C. Of violations of restriction in Schedule B		x

Land cannot be used for a Single Family Dwelling		x
because use violates a restriction in Schedule B
or a zoning ordinance.

Unrecorded easements		x
Pays rent for substitute land or facilities		x
Rights under unrecorded leases		x
Plain language		x
Building permit violations*		x
Compliance with Subdivision Map Act, If any*		x
Restrictive covenant violations		x
Discriminatory covenants		x
Covenant violation resulting in reversion		x
Violations of building setbacks		x
Enhanced marketability		x
Access - Enhanced vehicular and pedestrian access		x
Map, if any, not consistent with legal description		x
Post-policy forgery		x
Post-policy encroachment		x
Post-policy damage from minerals or water extraction		x
Post-policy living Trust Coverage for Trustee		x
Post-policy living Trust Coverage for Beneficiary		x
Post-policy automatic increase in value up to 150%		x
Post-policy adverse possession		x
Post-policy cloud on title		x
Post-policy prescriptive easement		x
Boundary walls and fence easement*		x
Insurance coverage forever		x

*Subject to a deductible and maximum indemnity liability, which may be less that the policy amount.
Note: you may change your type of coverage anytime prior to closing.