Standard ALTA policy versus the second generation EAGLE protection owner’s policy

COVERAGE

• Someone else owns an interest in your title
• Improperly executed documents
• Pre-policy forgery, fraud and duress
• Defective recording of any document
• Undisclosed restrictive covenants
• A lien on your title because of a security deed, judgment, tax or special assessment, or a charge by a homeowner’s association
• Unmarketable title
• Mechanics’ liens
• Forced removal of a structure which encroaches onto your neighbor’s land
• Forced removal of a structure which encroaches onto an easement or over a building setback line
• Forced removal of structure which violates existing zoning law *
• Forced removal of a structure because of a violation of a restriction in Schedule B
• Inability to use land for single-family dwelling because of a violation of a zoning ordinance or restriction in Schedule B
• Pays rent for substitute land or facilities
• Rights under unrecorded leases
• Plain language
• Unrecorded easements
• Building permit violations *
• Compliance with Subdivision Map Act, if any *
• Restrictive covenant violations
• Map, if any, not consistent with legal description
• Covenant violation resulting in reversion
• Enhanced marketability
• Violations of building setbacks
• Discriminatory covenants
• Access – Actual vehicular and pedestrian access based on a legal right
• Boundary walls and fence encroachment *
• Post-policy forgery
• Post-policy encroachment
• Post-policy damage from minerals or water extraction
• Post-policy Living Trust coverage for trustee
• Post-policy Living Trust coverage for beneficiary
• Post-policy automatic increase in value
• Post-policy adverse possession
• Post-policy cloud on title
• Post-policy prescriptive easement
• Insurance coverage forever

*Subject to maximum indemnity liability, which may be less than policy amount. In certain states, a deductible may apply.