Title Policy Coverage Comparison

Policy Type
Coverage Description Standard Coverage Expanded Endorsement Extended Coverage CoverageOne
1 Someone owns an interest in your title.
2 Someone has rights affecting your title from leases, contracts, or options.
3 Someone claims title rights arising out of forgery or impersonation.
4 Someone has an unrecorded easement or claims of an easement on the land.
5 Someone has a lien on your title including:
a. Unrecorded mortgage.
b. Unrecorded judgment, state or federal tax lien, or special assessment.
c. Unrecorded mechanics lien, occurring before or after policy date.
6 Someone claims rights based on fraud, duress, incompetence, incapacity.
7 Damage to structure resulting from the exercise of any right to use that land for extraction or development of minerals.
8 A document on which your title is based is invalid because it was not properly signed, sealed, acknowledged, delivered, or recorded.
9 Your title is unmarketable, which allows someone to refuse to perform a contract to purchase the land lease it or make a mortgage on it.
10 The residence with the address shown in Schedule A is not located on the land at the policy date.
11 Someone has an encumbrance on your title.
12 You do not have both actual vehicular and pedestrian access to and from the land, based upon a legal right
13 You are forced to remove or correct an existing violation of any covenant, condition, or restriction affecting the land, even if the covenant, condition, or restriction is excepted in Schedule B.
14 Your title is lost or taken because of a violation of any covenant, condition, or restriction which occurred before you acquired your title, even if the covenant, condition, or restriction is excepted in Schedule B.
15 Because of an existing violation of a subdivision law or regulation affecting the land:
a. You are unable to obtain a building permit.
b. You are forced to correct or remove the violation.
c. Someone has a legal right to, and does, refuse to perform a contract to purchase the land, lease it, or make a mortgage on it.
16 You are forced to remove or remedy your existing structures, or any part of them (other than boundary walls or fences) because any portion of them was built without obtaining a building permit from the proper government office.
17 You are forced to remove or remedy your existing structures, or any part of them, because they violate an existing zoning law or zoning regulation.
18 You cannot use the land because use as a single-family residence violates an existing zoning law or zoning regulation.
19 You are forced to remove your existing structures because they encroach onto your neighbor's land.
20 Someone has a legal right to, and does, refuse to perform a contract to purchase the land, lease it, or make a mortgage on it, because your neighbor's existing structures encroach onto the land.
21 You are forced to remove your existing structures because they encroach onto an easement or over a building set-back line even if the easement or building set-back line is excepted in Schedule B.
22 Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the land, even if the easement is excepted in Schedule B.
23 Your existing improvements (or a replacement or modification made to them after the policy date), including lawns, shrubbery, trees, are damaged because of the future exercise of a right to use the surface of the land for the extraction or development of minerals, water, or any other substance, even if those rights are excepted or reserved from the description of the land or excepted in Schedule B.
24 Someone tries to enforce a discriminatory covenant, condition, or restriction that they claim affects your title which is based upon a race, color, religion, sex, handicap, familial status, or national origin.
25 A taxing authority assesses supplemental real estate taxes not previously assessed against the land for any period before the policy date because of construction or a change of ownership or use that occurred before the policy.
26 Your neighbor builds any structures after the policy date other than boundary walls or fences which encroach onto the land.
27 The map if any, attached to the policy does not show the correct location of the land according to the public records.
Issued with Standard Coverage Owners Policy.


An Extended Owners Policy provides additional insurance for unrecorded matters affecting title to the land that are not covered by a Standard Owners Policy. Because these matters are unknown, additional requirements may be added by the Title Company (i.e. Lien Waivers or ALTA Survey)

The Expanded Endorsement may be purchased in ADDITION with a Standard Owners Policy. This Endorsement is limited to owner-occupied 1 to 4 family residential structures and does not include driveways, ramps, landscaping, perimeter walls and fences, or any other protrusion beyond the drip line of the dwelling and garage.

The CoverageOne (ALTA Homeowners Policy) can be issued on 1-4 Family Residences, including condos. The policy CANNOT be issued on unimproved land, multiple condos or improved units which contain more than 4 dwelling units. This policy coverage has certain deductibles, liability limitations, exceptions and exclusions.