Page 32 - Homeowners Manual - Alameda County

33 COVERED RISKS FOR
THE HOMEOWNER’S POLICY

1� Someone else owns an interest in Your Title�
2� Someone else has a right affecting Your Title because of a lease,
contract, or option�
3� Someone else claims to have a right affecting Your Title because of
forgery or impersonation�
4� Someone else has an Easement on the Land�
5� Any of Covered Risks 1 through 4 occurring after the Date of Policy�
6� Someone else has a right to enforce a Covenant to limit Your use of
the Land�
7� Your Title is defective� Some examples of title defects are:

a� someone else’s failure to have authorized a transfer or
conveyance of Your Title�
b� a defective judicial or administrative proceeding�

c� a document, including an electronic document, on which Your
Title is based:

i. was signed using a falsified, expired, or otherwise invalid
power of attorney;
ii. was not properly authorized, executed, created, signed,
witnessed, sealed, acknowledged, notarized (including
by remote online notarization), or delivered; or
iii. was not properly filed, recorded, or indexed in the Public
Records�

d� the repudiation of an electronic signature by a person that
executed a document because the electronic signature on the
document was not valid under applicable electronic transactions
law�
8� Someone else has a lien on Your Title� Some examples of liens are:
a� a lien of real estate taxes or assessments imposed on Your Title by
a governmental authority due or payable, but unpaid;
b� a Mortgage;
c� a judgment lien;
d� a State or federal tax lien;
e� a charge by a homeowner’s or condominium association; or

f� a statutory lien, attaching before or after the Date of Policy, for
service, labor, material, or equipment in connection with an
improvement or work related to the Land and furnished before the
Date of Policy�
9� Someone else has an encumbrance on Your Title�
10� Someone else claims to have a right affecting Your Title because of
fraud, duress, incompetency, or incapacity�
11� You do not have actual vehicular and pedestrian access to and from
the Land, based on a legal right�

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