What is it? | Policy Types | Policy Type Comparisons | F.A.Q |
MD Insurance Administration Consumer Guide to Title Insurance
Coverage |
Regular |
Enhanced |
| Someone else owns an interest in your title | Yes |
Yes |
| Improperly executed documents | Yes |
Yes |
| Pre-policy forger, fraud and duress | Yes |
Yes |
| Defective recording of any document | Yes |
Yes |
| Undisclosed restrictive covenants | Yes |
Yes |
| A lien on your title because of a security deed, judgment, tax or special assessment, or a charge by a homeowner's association | Yes |
Yes |
| Unmarketable title | Yes |
Yes |
| Mechanics' liens | --- |
Yes |
| Forced removal of a structure which encroaches onto another property | --- |
Yes |
| Forced removal of structure which violates existing zoning law* | --- |
Yes |
| Forced removal of a structure because of a violation of a restriction in Schedule B | --- |
Yes |
| Inability to use land for single family dwelling because of a violation of a zoning ordinance or restriction in Schedule B | --- |
Yes |
| Pays rent for substitute land or facilities | --- |
Yes |
| Rights under unrecorded leases | --- |
Yes |
| Plain language | --- |
Yes |
| Unrecorded easements | --- |
Yes |
| Building permit violations* | --- |
Yes |
| Compliance with Subdivision Map Act, if any* | --- |
Yes |
| Restrictive covenant violations | --- |
Yes |
| Map, if any, not consistent with legal description | --- |
Yes |
| Covenant violation resulting in reversion | --- |
Yes |
| Enhanced marketability | --- |
Yes |
| Violations of building setbacks | --- |
Yes |
| Discriminatory covenants | --- |
Yes |
| Actual vehicular and pedestrian access based on a legal right | --- |
Yes |
| Boundary walls and fence encroachment* | --- |
Yes |
| Post-policy forgery | --- |
Yes |
| Post-policy encroachment | --- |
Yes |
| Post-policy damage from minerals or water extraction | --- |
Yes |
| Post-policy Living Trust coverage for trustee | --- |
Yes |
Post-policy Living Trust coverage for beneficiary |
--- |
Yes |
Post-policy automatic increase in value |
--- |
Yes |
Post-policy adverse possession |
--- |
Yes |
Post-policy cloud on title |
--- |
Yes |
Post-policy prescriptive easement |
--- |
Yes |
| Insurance coverage forever | --- |
Yes |
|
*Subject to maximum indemnity liability, which may be less than policy amount. In certain states, a deductible may apply.
|
||