Title Insurance Comparison

Download a PDF of the “Eagle Owners Policy vs Standard ALTA Policy

COVERAGE

LIMITED

(ALTA)

STANDARD

(EAGLE)

Someone else owns an interest in your title X X
A document is not properly signed X X
Forgery, fraud, duress in the chain of title X X
Defective recording of any document X X
There are restrictive covenants X X
There is a lien on your title because there is: X
a) a deed of trust X X
b) a judgment, tax, or special assessment X X
c) a charge by a homeowners’ association X X
Title is unmarketable X X
Mechanics lien X
Forced removal of a structure because it: X
a) extends on another property and/or easement X
b) violates a restriction in Schedule B X
c) violates an existing zoning law* X
Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance X
Unrecorded lien by a homeowners’ association X
Unrecorded easements X
Building permit violations* X
Restrictive covenant violations X
Post-policy forgery X
Post-policy encroachment X
Post-policy damage from extraction of minerals or water X
Lack of vehicular and pedestrian access X
Map not consistent with legal description X
Post-policy adverse possession X
Post-policy prescriptive easement X
Covenant violation resulting in your title reverting to a previous owner X
Violation of building setback regulations X
Discriminatory covenants X
OTHER BENEFITS:
Pays rent for substitute land or facilities X
Rights under unrecorded leases X
Plain language statements of policy coverage and restrictions X
Subdivision law violation X
Coverage for boundary wall or fence encroachment* X
Added ownership coverage leads to enhanced marketability X
Insurance coverage for a lifetime X
Post-policy inflation coverage with automatic increase in value up to 150% over five years X
Post-policy Living Trust coverage X

*Deductible and maximum limits apply.

Coverage may vary based on an individual policy.