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TITLE POLICY COVERAGE COMPARISON

Compare the Alta Homeowner’s Policy ALTA Homeowners ALTA Standard or CLTA
Protection From:
1 Someone else owns an interest in your title x x
2 A document is not properly signed x x
3 Forgery, fraud, duress in the chain of title x x
4 Defective recording of any document x x
5 There are restrictive covenants x x
6 There is a lien on your title because there is:
a) a deed of trust x x
b) a judgement, tax, or special assessment x x
c) a charge by a homeowner’s association x x
7 Title is unmarketable x
8 Mechanics lien x
9 Forced removal of a structure because it:
a) extends on another property and/or easement x
b) violates a restriction in Schedule B x
c) violates an existing zoning law* x
10 Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance x
11 Unrecorded lien by a homeowners association x
12 Unrecorded easements x
13 Building permit violations* x
14 Restrictive covenant violations x
15 Post-policy forgery x
16 Post-policy encroachment x
17 Post-policy damage from extraction of minerals or water x
18 Lack of vehicular and pedestrian access x
19 Map not consistent with legal description x
20 Post-policy adverse possession x
21 Post-policy cloud on title x
22 Post-policy prescriptive easement x
23 Covenant violation resulting in your title reverting to a previous owner x
24 Violation of building setback regulations x
25 Discriminatory covenants x
Other benefits:
26 Pays rent for substitute land or facilities x
27 Rights under unrecorded leases x
28 Plain language statements of policy coverage and restrictions x
29 Compliance with Subdivision Map Act x
30 Coverage for boundary wall or fence encroachment* x
31 Added ownership coverage leads to enhanced marketability x
32 Insurance coverage for a lifetime x
33 Policy adopted by the California Land Title Association (CLTA) x
34 Post-policy inflation coverage with automatic increase in value up to 150% over five years x
35 Post-policy Living Trust coverage x

*Deductible and maximum limits apply. Available for certain 1-to-4 unit residential properties. Coverage may vary based on an individual policy.

Please contact your Landwood Title Representative for more information.

Landwood Title Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions.