Page 6 - Southern California Top Requested Flyers

The Covered Risks are: d. charge by a homeowner’s or condominium association; or

1. Someone else owns an interest in Your Title. e. lien, occurring before or after the Policy Date, for labor and
material furnished before the Policy Date.

2. Someone else has rights affecting Your Title because of 9. Someone else has an encumbrance on Your Title.
leases, contracts, or options.

3. Someone else claims to have rights affecting Your Title 10. Someone else claims to have rights affecting Your Title
because of fraud, duress, incompetency or incapacity.
because of forgery or impersonation.
4. Someone else has an Easement on the Land. 11. You do not have actual vehicular and pedestrian access to
and from the Land, based upon a legal right.
5. Someone else has a right to limit Your use of the Land.
12. You are forced to correct or remove an existing violation of
6. Your Title is defective. Some of these defects are: any covenant, condition or restriction affecting the Land,
even if the covenant, condition or restriction is excepted in
a. Someone else’s failure to have authorized a transfer Schedule B. However, You are not covered for any violation
or conveyance of your Title. that relates to:
b. Someone else’s failure to create a valid document by a. any obligation to perform maintenance or repair on the
electronic means. Land; or
c. A document upon which Your Title is based is b. environmental protection of any kind, including hazardous
invalid because it was not properly signed, sealed, or toxic conditions or substances
acknowledged, delivered or recorded.
d. A document upon which Your Title is based was unless there is a notice recorded in the Public Records,
signed using a falsified, expired, or otherwise invalid describing any part of the Land, claiming a violation exists.
power of attorney. Our liability for this Covered Risk is limited to the extent of
the violation stated in that notice.
e. A document upon which Your Title is based was
not properly filed, recorded, or indexed in the Public 13. Your Title is lost or taken because of a violation of any
Records. covenant, condition or restriction, which occurred before
f. A defective judicial or administrative proceeding. You acquired Your Title, even if the covenant, condition or
restriction is excepted in Schedule B.

7. Any of Covered Risks 1 through 6 occurring after the 14. The violation or enforcement of those portions of any law or
Policy Date.
government regulation concerning:
8. Someone else has a lien on Your Title, including a: a. building;
a. lien of real estate taxes or assessments imposed on b. zoning;
Your Title by a governmental authority that are due c. land use;
or payable, but unpaid; d. improvements on the Land;
b. Mortgage; e. land division; or
c. judgment, state or federal tax lien; f. environmental protection,