- Someone else owns an interest in your title.
- A document is not properly signed, etc.
- Forgery, fraud, duress, etc.
- Defective recording of any document.
- There are restrictive covenants.
- There is a lien on your title because:
-
there is a Deed of Trust,
-
there is a judgment, tax or special assessment,
-
title is unmarketable.
|
C.L.T.A.
POLICY
(Includes items:
1-6) |
- Mechanic's lien protection
- Forced removal of structure because:
- it extends onto other land or onto an
easement,
- it violates a restriction in Schedule B
- it violates an existing zoning law.
- Can't use land for SFD because such use violates restriction
in Schedule B or a zoning ordinance.
- Inflation protection.
-
You do not have legal right of access
|
C.L.T.A.
POLICY
with homeowner's Endorsement
(Includes items:
1-11) |
- An unrecorded lien by a homeowner's association.
- Rights under unrecorded leases, etc.
- Unrecorded easements.
- Other defects, liens, encumbrances or unfiled mechanic's lien.
- Pays rent for substitute land or facilities.
- Plain language.
- Matters disclosed by a survey, zoning as 1-4,
CCR's.
- Available to investors 1 to 4 units.
|
A.L.T.A.
RESIDENTIAL TITLE INSURANCE POLICY
(Includes items:
1-19) |
- Building permit violation. 1% deductible and maximum dollar limit of $25,000.
- Subdivision map act coverage. 1% deductible and maximum dollar limit of $10,000.
- Restrictive covenant violations. 1% deductible and maximum dollar limit of policy.
- Post-policy forgery.
- Enhanced assess.
- Post-policy encroachment.
- Structure damage from minerals extraction.
- May inconsistencies.
- Automatic graduated liability increase of 5% during the first five years.
- Loss of sale or loan because of restriction violations.
NOTE: Coverage for Items 20-29 is up to face amount of policy, unless otherwise specified in America First Policy. (See items 20, 21 and 22.)
|
AMERICA FIRST TITLE
(Includes items:
1-29) |
