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Title Problem Basic Coverage 
"Owner's Policy"		 Enhanced Coverage
"Owner's Policy"
Title not vested as listed in the Policy COVERAGE IS THE SAME UNDER BOTH POLICIES - insures that the title is vested as listed in the Policy.
Title not marketable COVERAGE IS THE SAME UNDER BOTH POLICIES - policy insures that the title is marketable.
Title defects COVERAGE IS THE SAME UNDER BOTH POLICIES - policy insures that all title defects are listed on the policy
Lack of access to and from the Property This policy insures the Owner that there is legal access to and from the property. This policy insures that there is both pedestrian and vehicular access to and from the property.
Loss arising from mechanic's lien claims NO COVERAGE This policy insures against loss arising from mechanic's lien claims arising prior to, or after the date of the policy unless the insured agreed to pay for the labor and materials.
Loss if the insured is forced to remove an existing structure NO COVERAGE This policy insures against loss if the insured is forced to remove an existing structure other than an boundary wall or fence because it (a) extends onto adjoining land or on to any easement; (b) violates a restriction shown on Schedule B of your policy; or (c) violates existing zoning law.
Loss if the land cannot be used as a intended NO COVERAGE This policy insures against loss if the land cannot be used as (a) a single family residence; (b) if its use violates a restriction shown on Schedule B; or (c) its use violates a zoning ordinance.
Loss resulting from forced removal of a non-boundary structure NO COVERAGE This policy insures against loss up to $25,000 resulting from forced removal of a non-boundary structure because it was built without a building permit.
Loss due to prior violations of restrictive covenants NO COVERAGE
This policy insures against loss due to prior violations of restrictive covenants shown on Schedule B of the policy which result in (a) loss of title; (b) loss due to enforcement; or (c) inability to obtain a loan on or sale of the land.
Loss because of subdivision violations
NO COVERAGE
 This policy insures against loss up to $10,000 because of subdivision violations that result in (a) inability to obtain a building permit; or (b) inability to obtain a loan on or sale of the land.
Post policy encroachment of non-boundary structures NO COVERAGE This policy coverage includes post policy encroachment of non-boundary structures on the insured land.
Post policy structural damage NO COVERAGE This policy coverage includes post policy structural damage from mineral extraction or exercise of water rights.
Post policy forgery NO COVERAGE This policy coverage includes post policy forgery by which another claims title or interest in the land.

Additional benefit of Enhanced Coverage "Owner's Policy":

After the purchase of the policy (which initially protects up to the purchase price of the property), the policy increase incrementally at a rate of 10% per year for the first 5 years following the policy date to a maximum Policy Amount of 150% of the original Policy Amount.

Other Notable Characteristics of the Enhanced Coverage "Owners" Policy:

Designed to provide protection for title matters which occurred before you acquire ownership and while you own the property.

Cost is only twenty percent (20%) above the cost for the standard ALTA policy.

THE ABOVE IS A VERY BRIEF SUMMARY OF COVERAGE AND IS NOT INTENDED TO DESCRIBE OR REPLACE THE EXACT TERMS AND PROVISIONS OF THE POLICIES.

*Compiled from materials provided by LAWYERS' TITLE INSURANCE COMPANY and FIDELITY NATIONAL INSURANCE COMPANY.

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