The Standard Policy addresses such risks as:

  • Forgery and impersonation
  • Lack of competency, capacity, or legal authority of a party
  • Deed not joined in by a necessary party
  • Undisclosed (but recorded) prior mortgage or lien
  • Undisclosed (but recorded) easement or use restriction
  • Erroneous or inadequate legal description
  • Lack of a right of access
  • Deed not properly recorded

The Enhanced Policy covers all of the above risks, plus:

  • Off record matters, such as claims for adverse possession or prescriptive easement
  • Deed to land with buildings encroaching on land of another incorrect survey
  • Silent (off-record) liens, such as mechanics or estate tax liens
  • Pre-existing violations of subdivision laws, zoning ordinances, or CC&Rs (Covenants, Conditions and Restrictions)
  • Post-Policy Forgery
  • Forced removal of improvements due to lack of building permit (subject to deductible)
  • Post-policy construction improvements by a neighbor onto insured land
  • Location and dimensions of insured land (survey not required)

    NOTE: OTHERWISE INSURED POST-POLICY EVENTS ARE NOT COVERED IF THE MATTER IS CREATED BY THE INSURED OR OTHERWISE INCLUDED BY THE EXCLUSIONS UNLESS NOTED HEREIN. SOME LIMITS MAY APPLY TO THE COVERAGES DESCRIBED ABOVE.