Page 33 - Homeowners Manual - Butte County
P. 33

COMPARISON OF TITLE COVERAGE


                                                                                    OWNER’S        HOMEOWNER’S
                                                                                     POLICY            POLICY
                                                                                  (STANDARD)        (ENHANCED)
                                         Someone else owns a record interest
                                         in your title                                                   
                                         A document is not properly signed,
                                         acknowledged or delivered                                       
                                         Forgery, fraud, duress, incompetency,
                                         incapacity or impersonation                                     

                                         Defective recording of a document                               


                                         Unmarketability of title                                        

                                         Lack of a right of access to and from
                                         the land                                                        

                                         Mechanic’s lien protection                                      


                                         Forced removal of the residential
                                         structure — encroachments                                       

                                         Liens by the homeowner’s association                            


                                         Others have rights arising out of                               
                                         leases, contracts or options

                                         Post-policy encroachment                                        


                                         Post-policy forgery                                             

                                         Building permit violations — forced
                                         removal                                                         

                                         Subdivision law violations                                      


                                         Zoning violations — forced removal                              


                                         Restrictive covenant violations                                 


                                         Enhanced access coverage                                        


                                         Locations of the land on a map                                  


                                         Exercise of mineral rights                                      


                                         Living trust coverage                                           


                                         Automatic policy amount increase                                

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