Pacific Northwest Title - Policy Comparision Chart

Homeowner's Policy
Comparison Chart
POLICY COVERAGE

Standard Form Owner's Policy
With Homeowner's Endorsement

Homeowner's Policy Of Title Insurance

Extended Coverage Owner's Title Insurance

Policy Rate Surcharge		None	10%	30%
1.	Someone else owns an interest in your title.	X	X	X
2.	Someone else has rights affecting your title due to unrecorded leases, contracts or options.		X	X
3.	Someone else claims rights due to forgery or impersonation.	X	X	X
4.	Someone else has an unrecorded easement on the land.		X	X
5.	Someone else has a right to limit your use of the land.	X	X	X
6.	Your title is defective.	X	X	X
7.	Any of Covered Risks 1 through 6 occurring after the Policy Date.		X
	Homeowner’s Policy Comparison Chart POLICY COVERAGE	Standard Form Owner's Policy With Homeowner's Endorsement (2006)	Homeowner's Policy Of Title Insurance (1998)	Extended Coverage Owner's Title Insurance
8.	Someone else has a lien due to a:
	Mortgage.	X	X	X
	Judgment, tax lien or special assessment.	X	X	X
	Homeowner's or condo association lien.	X	X	X
	Mechanic's Lien.	X	X	X
9.	Someone else has an encumbrance on your title.	X	X	X
10.	Someone else claims rights affecting your title due to fraud, duress, incompetency or incapacity.	X	X	X
11.	You do not have both actual vehicle and pedestrian access, based upon a legal right.		X
12.	You are forced to correct or remove an existing violation of any CC&R, even if the CC&R is excepted in Schedule B.		X
13.	Your title is lost or taken because of a violation of any CC&R, which occurred before you acquired title, even if the CC&R is excepted in Schedule B.		X

Homeowner's Policy
Comparison Chart
POLICY COVERAGE

Standard Form Owner's Policy
With Homeowner's Endorsement
(2006)

Homeowner's Policy Of Title Insurance
(1998)

Extended Coverage Owner's Title Insurance

14.	Because of an existing violation of a subdivision law or regulation:
	You are unable to obtain a building permit.		X*
	You are forced to correct or remove the violation; or		X*
	Someone else refuses to perform a contract to purchase the land, lease it or make a mortgage loan on it.		X*
15.	You are forced to remove or remedy your existing structures - other than boundary walls or fences - because any portion was built without a building permit.		X*
16.	You are forced to remove or remedy your existing structures, because they violate an existing zoning law or regulation. If you are to remedy your existing structures, the coverage is subject to a deductible and a maximum liability amount.	X**	X*	X**
17.	You cannot use the land, because use as a single family dwelling violates an existing zoning law or regulation.	X	X*	X
18.	You are forced to remove your existing structures because they encroach onto your neighbor's land. If the encroaching structures are boundary walls or fences, the coverage is subject to a deductible and a maximum liability amount.	X**	X*	X**
	Homeowner's Policy Comparison Chart POLICY COVERAGE	Standard Form Owner's Policy With Homeowner's Endorsement (2006)	Homeowner's Policy Of Title Insurance (1998)	Extended Coverage Owner's Title Insurance
19.	Someone has a legal right to, and does, refuse to purchase the land, lease it, or make a mortgage on it, because your neighbor's existing structures encroach onto the land.		X	X
20.	You are forced to remove your existing structures because they encroach onto an easement or over a building setback line, even if the easement or building setback line is excepted in Schedule B.	X**	X	X**
21.	Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the land, even if the easement is excepted in Schedule B.	X**	X	X**
22.	Your existing improvements are damaged because of the future exercise of a right to use the surface of the land for the extraction or development of minerals, water or any other substance, even if those rights are excepted or reserved from the description of the land or from Schedule B.	X**	X	X**
23.	Someone else tries to enforce a discriminatory CC&R, based upon race, color, religion, sex, handicap, familial status or national origin.		X
24.	A taxing authority assess supplemental real estate taxes not previously assessed for any period before the Policy Date, because of construction or a change of ownership or use that occurred before the Policy Date.		X
25.	Your neighbor builds any structure after the Policy Date - other than boundary walls or fences - which encroach onto the land.		X
26.	Your title is unmarketable, which allows someone else to refuse to perform a contract to purchase the Land, lease it or make a mortgage loan on it.	X	X	X
	Homeowner’s Policy Comparison Chart POLICY COVERAGE	Standard Form Owner's Policy With Homeowner's Endorsement (2006)	Homeowner's Policy Of Title Insurance (1998)	Extended Coverage Owner's Title Insurance
27.	A document upon which your title is based is invalid because it was not property signed, sealed, acknowledged, delivered or recorded.	X	X	X
28.	The residence with the address shown in Schedule A is not located on the land at the policy date.		X
29.	The map, if any, attached to this policy does not show the correct location of the land according to the public records.		X
30.	Any facts, rights, interests or claims not shown by the public records, but which could be shown by an inspection of the land or asserted by persons in possession.		X	X
31.	Easements, except underground easements, not shown by the public records.		X	X
32.	Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey of the land would disclose, and which are not shown by the public records.			X


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This is for illustration purpose only, review actual policies for coverage's, terms and conditions.