None of these new coverages have ever been included in any title policy...UNTIL NOW!

Owner's Policy . . .

One of our underwriters, First American Title Insurance Company, introduced the enhanced title policy, first known as the EAGLE Policy, and now approved and available through all of our underwriters. The enhanced policy provides expanded title coverage for one-to-four family residence and condominium unit owners and lenders.

The Enhanced Policy is new - and automatically provides more coverage than any previous title insurance policy. It affords insured homeowners ("You") important new coverage in addition to the superb protection of the ALTA Plain Language Owner's Policy.

These added coverages are summarized:

~ Automatic Policy Liability Increases - The amount of the policy increases by 5% of the stated amount of the policy each year for the first 5 years to a maximum of 125% of the stated amount of the policy.

~ Building Permit Violation - This new coverage protects You against loss if forced to remove an existing structure (other than boundary walls and fences) because it was built by a previous owner who did not obtain a proper building permit.  It gives You $25,000 of coverage after a deductible of one percent of the policy amount.

~ Restrictive Covenant Violations - The following three important new coverages regarding violations of restrictions that occurred before You bought the property:  (1) Protection against the loss of title because of the violations; (2) Protection if You are unable to close a sale or obtain a loan because of the violation; (3) Protection against loss from attempts by others to enforce restrictions against You.  These are subject to a deductible of one percent of the policy amount.

~ Post-Policy Forgery - The Enhanced Policy provides protection against forgeries which may occur in the future and cloud Your title.

~Enhanced Access - This enhanced coverage insures that You have a right of both pedestrian and vehicular access to Your land.

~Post-Policy Encroachment - You are indemnified if, after purchase, someone else builds a structure (other than boundary walls and fences) which encroaches onto Your land.

~Structural Damage From Minerals Extraction - The Enhanced Policy protects Your home against damage caused by others using the surface of Your land in the course of extracting minerals. This coverage extends to structures modified or built to replace existing structures after the policy was issued.

~Subdivision Coverage - You are protected against loss if You cannont close a sale, get a loan or obtain a building permit, because Your land was improperly subdivided prior to Your purchase. It gives You up to $10,000 of coverage, after a deductibile of one percent of the policy amount.