Automatic Inflation Protection (5 years)

NO

150% of the original policy amount – increases by 10%
per year for the 1st five years

Enhanced Access Coverage

NO

Access coverage has been expanded to insure
pedestrian or vehicular traffic

Restrictive Covenant Violations

NO

Protects you against enforcement action regarding a
restriction violated before you purchased the home,
including taking away your title, forcing removal of the
building structure (other than boundary walls and
fences) and/or preventing the use of the property as a
residence.

Encroachment Coverage

NO

As to encroachments of your building structure (other
than boundary walls and fences) over property lines or
into easement areas: protects against someone forcing
removal of your building structure. Also protects you
against loss as to encroachments of neighbor’s building
structure (other than boundary walls and fences) built
post‐policy and without your consent. These coverage’s
apply notwithstanding general survey exception.

Post Policy Forgery Protection

NO

Protects you should someone forge your signature on a
deed or mortgage and record same in the Land Records,
post‐policy

Mineral Extraction Coverage

NO

Protects you against damage to your existing building
structure (or a modification or replacement you may
make to the structure, post policy) caused by mining or
water extraction on other property.

Building Permit Violation Coverage

NO

Protects against someone forcing removal of your
building structure (other than boundary walls and
fences) due to lack of building permit.
(Maximum Liability $25,000.00.)

Subdivision Coverage

NO

As to violation of existing subdivision law as of date of
policy, protects you from loss because you cannot
obtain a building permit and/or because title is
rendered unmarketable.
(Maximum Liability $10,000.00.)

Conveyance to Your Trust Coverage

YES

Conveyance to your trust post‐policy will not invalidate
your title policy coverage.

Zoning Violation

NO

As to violation of zoning laws, protects you in the event
that you are unable to use the property for residential
purposes; protects against someone forcing removal of
your building structure (other than boundary walls and
fences) due to a zoning violation.

Post‐Policy Mechanics Lien Filings

NO

Protects you against liens on your title for labor and
materials furnished before the date of policy, but filed
post‐policy unless you agreed to pay for same.

Gap Coverage

YES

Final policy production insures over gap.