West Hundred Title Company, LLC
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Residential Owner's Policies- Standard Owners Policy versus Enhanced Owners Policy





  • Someone else owns an interest in your title
  • Improperly executed documents
  • Prepolicy forgery, fraud and duress
  • Defective recording of any document
  • Undisclosed restrictive covenants
  • A lein on your title because of a security deed, judgement, tax or special assessment, or a charge by a homeowner's association
  • Unmarketable title
  • Mechanics' liens
  • Forced removal of a structure which encroaches onto your neighbor's land
  • Forced removal of a structure which encroaches onto an easement or over a building setback line
  • Forced removal of a structure which violates exisitnig zoning law*
  • Forced removal of a structure which because of a violation of a restriction in Schedule B
  • Inability to use land for single-family dwelling because of violation of a zoning ordinance or restriction in Schedule B
  • Pays rent for substitute land or facilities
  • Rights under unrecorded leases
  • Plain language
  • Unrecorded easements
  • Building permit violations*
  • Compliance with Subdivision Map Act, if any*
  • Restrictive covenant violations
  • Map, if any, not consistent with legal description
  • Covenant violations resulting in reversion
  • Enhanced marketability
  • Violations of building setbacks
  • Discriminatory covenants
  • Access - Actual vehicular and pedestrian access based on a legal right
  • Boundry walls and fence encroachments*
  • Post-policy forgery
  • Post-policy encroachment
  • Post-policy damage from minerals or water extraction
  • Post-policy Living Trust coverage for trustee
  • Post-policy Living Trust coverage for beneficiary
  • Post-policy automatic increase in value
  • Post-policy adverse possession
  • Post-policy cloud on title
  • Post-policy prescriptive easement
  • Insurance coverage forever

     * Subject to maximum indemnity liability, which may be less than policy amount. In certain states, a deductible may apply.


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