Benefits of Standard v. Enhanced Owner Policies
Please read about the benefits of having an Owners Title Insurance Policy.
Buyer’s Risk v. Coverage ()
Buyer Has No Attorney and No Policy | Buyer has Own Attorney with Title Opinion | Standard Owner Title Policy | Enhanced Owners Title Policy | |
---|---|---|---|---|
Matters Found in Title Search | Buyer’s Risk | |||
Matters Predating Title Search | Buyer’s Risk | Buyer’s Risk | ||
Attorney’s Fault Irrelevant | Buyer’s Risk | Buyer’s Risk | ||
Matters Not Found in Search of Public Records—Hidden defects in Title | Buyer’s Risk | Buyer’s Risk | ||
Hidden Defects (Standard Owner’s Policy) | Buyer’s Risk | Buyer’s Risk | ||
Forged Documents | Buyer’s Risk | Buyer’s Risk | ||
Incapacity of Grantors | Buyer’s Risk | Buyer’s Risk | ||
Missing Heirs | Buyer’s Risk | Buyer’s Risk | ||
Mis-Indexed Documents | Buyer’s Risk | Buyer’s Risk | ||
Mistakes in Recording | Buyer’s Risk | Buyer’s Risk | ||
Additional Enhanced Coverage | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Post-Policy Forgeries | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Post-Policy Encroachments | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Enhanced Pedestrian and Vehicular Access | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Prior Building Permit Violations | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Certain Zoning Violations | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk | |
Restrictive Covenants Violations | Buyer’s Risk | Buyer’s Risk | Buyer’s Risk |