The following are risks covered by a Homeowner’s form of title insurance policy (subject to insuring provisions,
exclusions, exceptions and the conditions and stipulations):
- Someone else owns an interest in your title.
- Someone else has rights affecting your title arising out of leases, contracts or options.
- Someone else claims to have rights affecting your title arising out of forgery or impersonation.
- Someone else has an easement on the land.
- Someone else has a recorded right to limit your use of the land.
- Someone else has a recorded lien or encumbrance on your title.
- You are forced to correct or remove an existing violation of any covenant, condition or restriction
affecting the land.
- Because of an existing violation of a subdivision law or regulation affecting the land:
- You are unable to obtain a building permit.
- You are forced to correct or remove the violation.
- Someone else has a legal right to, and does, refuse to perform a contract to purchase the land, lease it or
make a mortgage loan on it.
- You are forced to remove or remedy your existing structures, or any part of them, because any portion was built
without obtaining a building permit.
- You are forced to remove or remedy your existing structures, or any part of them, because they violate an existing
zoning law or zoning regulation.
- Your existing improvements made after the policy date, including lawns, shrubbery or trees, are damaged because of
the future exercise of a right to use the surface of the land for the extraction development of minerals, water or
any other substance.
- Someone else tried to enforce a discriminatory covenant, condition or restriction which is based upon race, color,
religion, gender, handicap, familial status or national origin.
- A document upon which your title is based is invalid because it was not properly signed, sealed, acknowledged,
delivered or recorded.
- The residence with the address shown is not located on the land.