| COVERAGE | LTAA STANDARD | ALTA "RES" PLAIN LANGUAGE | ALTA HOMEOWNERS |
|---|---|---|---|
| Someone else owns an interest in your title | ● | ● | ● |
| A document is not properly signed | ● | ● | ● |
| Forgery, Fraud, Duress | ● | ● | ● |
| Defective recording of any document | ● | ● | ● |
| There are restrictive covenants | ● | ● | ● |
| There is a lien on your title because there is: | ● | ● | ● |
| (a) a deed of trust | ● | ● | ● |
| (b) a judgment, tax, or special assessment | ● | ● | ● |
| (c) a charge by the homeowners association | ● | ● | ● |
| Title is unmarketable | ● | ● | ● |
| Mechanics lien protection | ● | ● | |
| Forced removal of a structure because it: | ● | ● | |
| (a) extends on to other land or on to an easement | ● | ● | |
| (b) violates a restriction in Schedule B | ● | ● | |
| (c) violates an existing zoning law* | ● | ● | |
| Can't use land for SFD because the use violates a restriction in Schedule B or a zoning ordinance | ● | ● | |
| Pays rent for substitute land or facilities | ● | ● | |
| Unrecorded lien by a homeowners association | ● | ● | |
| Unrecorded easements | ● | ● | |
| Rights under unrecorded leases | ● | ● | |
| Plain language | ● | ● | |
| Building permits violations* | ● | ||
| Compliance with Subdivision Map Act* | ● | ||
| Restrictive covenant violations | ● | ||
| Post Policy Forgery | ● | ||
| Post Policy Encroachment | ● | ||
| Post Policy Damage from minerals or water extraction | ● | ||
| Post Policy Living Trust Coverage | ● | ||
| Enhanced Access - Vehicular & Pedestrian | ● | ||
| Map not consistent with legal description | ● | ||
| Post Policy automatic increase in value up to 150{f980c79d81c5928b8bc9e285179dc1a3ec7fe02b59b510c27405310f1cbdf08e} | ● | ||
| Post Policy adverse possession | ● | ||
| Post Policy cloud on title | ● | ||
| Post Policy prescriptive easement | ● | ||
| Covenant violation resulting in reversion | ● | ||
| Boundary walls and fence encroachment* | ● | ||
| Enhanced marketability | ● | ||
| Violations of building setbacks | ● | ||
| Discriminatory covenant | ● | ||
| Insurance coverage forever | ● |
* Subject to a deductible and a maximum indemnity liability, which may be less than the policy amount. Some coverages may not be available in your area due to legal, regulatory, underwriting requirements, or other restrictions. Please contact your Empire West Title representative for more information.