Coverage ALTA Owner's Policy
(Standard)
ALTA Homeowner's Policy
(Enhanced)

1. Someone else owns an interest in your 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 your title because there is:

 

 

a) a deed of trust

X

X

b) a judgment, tax, or special assessment

X

X

7. Title is unmarketable

X

X

8. Mechanics lien protection

 

X

9. Automatic Survey Coverage

 

X

10. Forced removal of a structure because it:

 

 

a) extends onto other land or onto an easement

 

X

b) violates a restriction in Schedule B

 

X

c) violates an exist

 

X

11. Can't use land for residence because the use violates a restriction in Schedule B or a zoning ordinance

 

X

12. Pays rent for substitute land or facilities

 

X

13. Unrecorded lien by a homeowner's association

 

X

14. Unrecorded easements

 

X

15. Rights of third parties under unrecorded leases

 

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. Enhanced access-both vehicular & pedestrian

 

X

24. Post Policy automatic increase in value up to 150%

 

X

25. Post Policy adverse possession

 

X

26. Post Policy cloud on title

 

X

27. Post Policy prescriptive easement

 

X

28. Covenant violation resulting in reversion

 

X

29. Boundary walls and fence encroachment*

 

X

30. Enhanced marketability

 

X

31. Violations of building setbacks

 

X

32. Discriminatory covenants

 

X

33. Insurance coverage forever

 

X