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Risks Covered By Title Insurance Policy

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, sex, 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.

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