Comparison of Residential Title Policies

COVERAGE	ALTA Standard or CLTA	"EAGLE"
1. Someone else owns an interest in the title	X	X
2. A document is not properly signed	X	X
3. Forgery, fraud, duress	X	X
4. Defective recording of any document	X	X
5. There are restrictive covenants	X	X
6. There is a lien on the title because there is: a deed of trust a judgment, tax, or special assessment a charge by the homeowners association	X	X
7. Title is unmarketable	X	X
8. Mechanics Lien protection		X
9. Forced removal of a structure because it: extends onto other land or onto an easement violates a restriction in Schedule B violates an existing zoning law*		X
10. Can't use land for residence because the use violates a restriction in Schedule B or a zoning ordinance		X
11. Pays rent for substitute land or facilities		X
12. Unrecorded lien by a homeowner's association		X
13. Unrecorded easements		X
14. Rights of third parties under unrecorded leases		X
15. Plain language		X
16. Building permit violations*		X
17. Compliance with Subdivision Map Act*		X
18. Restrictive covenant violations		X
19. Post Policy forgery		X
20. Post Policy encroachment		X
21. Post Policy damage from minerals or water extraction		X
22. Post Policy living trust coverage		X
23. Post Policy automatic increase in value UP to 150%		X
24. Post Policy adverse possession		X
25. Post Policy cloud on title		X
26. Post Policy prescriptive easement		X
27. Enhanced access-both vehicular & pedestrian		X
28. Map not consistent with legal description		X
29. Covenant violation resulting in reversion		X
30. Boundary walls and fence encroachment*		X
31. Enhanced marketability		X
32. Violations of building setbacks		X
33. Discriminatory covenants		X
34. Insurance coverage forever		X

* Subject to a deductible and a maximum indemnity liability which may be less than the policy amount.

NOTE: Some coverages may not be available in your area due to legal, regulatory, underwriting requirements or other restrictions. Please contact your title representative for information.