Page 31 - Homeowners Manual - Santa Clara County

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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