Page 25 - Home Buyers and Sellers Guide - Hawaii

The Amount of Insurance for Covered Risk 19 is subject to Your COMPARISON OF TITLE COVERAGE
Deductible Amount and Our Maximum Dollar Limit of Liability OWNER’S HOMEOWNER’S
shown in Schedule A. POLICY POLICY

20. You are not able to use the Land because use as a single-family (STANDARD) (ENHANCED)
residence violates an existing State or Municipal zoning law or State Someone else owns a record interest
or Municipal zoning regulation. in your title
21. You are forced to remove any portion of Your existing structures A document is not properly signed,
because they encroach onto Your neighbor’s land. If the acknowledged or delivered
encroaching structures are boundary walls or fences, the Amount of
Insurance for Covered Risk 21 is subject to Your Deductible Amount Forgery, fraud, duress, incompetency,
and Our Maximum Dollar Limit of Liability shown in Schedule A.. incapacity or impersonation
22. Someone else exercises a legal right refusing to perform a contract Defective recording of a document
to purchase, lease, or make a mortgage loan on the Land because
Your neighbor’s existing structures encroach onto the Land. Unmarketability of title
23. You are forced to remove any portion of Your existing structures that
encroach onto an Easement or over a building set-back line, even if Lack of a right of access to and from
the Easement or building set-back line is excepted in Schedule B. the land
24. Your existing structures are damaged because of the exercise of the
right to maintain or use any Easement affecting Your Title, even if Mechanic’s lien protection
the Easement is excepted in Schedule B. Forced removal of the residential
25. Your existing improvements (or a replacement or modification made structure — encroachments
to them after the Date of Policy), including lawns, shrubbery, or
trees, are damaged because of the future exercise of the right to use Liens by the homeowner’s association
the surface of the Land for the extraction or development of oil, gas,
minerals, groundwater, or any other subsurface substance, even if Others have rights arising out of
those rights are excepted or reserved from the description of the leases, contracts or options
Land or excepted in Schedule B.

26. Someone else tries to enforce a Discriminatory Covenant that they Post-policy encroachment
claim affects Your Title.
27. A State or Municipal taxing authority assesses supplemental real Post-policy forgery
estate taxes not previously assessed against the Land for any Building permit violations — forced
period before the Date of Policy because of construction or change removal
of ownership or use, that occurred before the Date of Policy.

28. Your neighbor builds any structures after the Date of Policy—other Subdivision law violations
than boundary walls or fences—that encroach onto the Land.

29. Your Title is unmarketable, which allows someone else to refuse to Zoning violations — forced removal
perform a contract to purchase, lease, or make a mortgage loan on
the Land. Restrictive covenant violations
30. Someone else owns an interest in Your Title because a court order
invalidates a prior transfer of the Title under federal bankruptcy, Enhanced access coverage
state insolvency, or similar state or federal creditors’ rights law.
31. The residence with the Property Address shown in Schedule A is Locations of the land on a map
not located on the Land at the Date of Policy.
32. Any defect in or lien or encumbrance on the Title that has been Exercise of mineral rights
created or attached or has been filed or recorded in the Public
Records subsequent to the Date of Policy and prior to the recording
of the deed or other instrument vesting the Title in the Public Living trust coverage
Records.
33. The map, if any, attached to this policy does not show the correct Automatic policy amount increase
location of the Land according to the Public Records.
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