Title Comparison

Title Insurance Coverage Comparison

We are licensed title insurance agents for some of the nation’s largest and most secure title insurance underwriters, including First American Title Insurance Company and Fidelity National Title Group. If you have any questions about tire insurance coverage please feel free to contact any one of our offices.

Download the Standard Owners Policy vs. Limited ALTA Policy PDF

Coverage	Limited (ALTA)	Standard
Someone else owns an interest in your title	X	X
A document is not properly signed	X	X
Forgery, fraud, duress in the chain of title	X	X
Defective recording of any document	X	X
There are restrictive covenants	X	X
There is a lien on your title because there is:
a)a deed of trust	X	X
b)a judgment, tax, or special assessment	X	X
c)a charge by a homeowners’ association	X	X
Title is unmarketable	X	X
Mechanics lien		X
Forced removal of a structure because it:
a)extends on another property and/or easement		X
b)violates a restriction in Schedule B		X
c)violates an existing zoning law*		X
Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance		X
Unrecorded lien by a homeowners’ association		X
Unrecorded easements		X
Building permit violations*		X
Restrictive covenant violations		X
Post-policy forgery		X
Post-policy encroachment		X
Post-policy damage from extraction of minerals or water		X
Lack of vehicular and pedestrian access		X
Map not consistent with legal description		X
Post-policy adverse possession		X
Post-policy prescriptive easement		X
Covenant violation resulting in your title reverting to a previous owner		X
Violation of building setback regulations		X
Discriminatory covenants		X
OTHER BENEFITS:
Pays rent for substitute land or facilities		X
Rights under unrecorded leases		X
Plain language statements of policy coverage and restrictions		X
Subdivision law violation		X
Coverage for boundary wall or fence encroachment*		X
Added ownership coverage leads to enhanced marketability		X
Insurance coverage for a lifetime		X
Post-policy inflation coverage with automatic increase in value up to 150% over five years		X
Post-policy Living Trust coverage		X