Standard ALTA policy versus the second generation EAGLE protection owner’s policy

COVERAGE

Someone else owns an interest in your title
Improperly executed documents
Pre-policy forgery, fraud and duress
Defective recording of any document
Undisclosed restrictive covenants
A lien on your title because of a security deed, judgment, tax or special assessment, or a charge by a homeowner’s association
Unmarketable title
Mechanics’ liens
Forced removal of a structure which encroaches onto your neighbor’s land
Forced removal of a structure which encroaches onto an easement or over a building setback line
Forced removal of structure which violates existing zoning law *
Forced removal of a structure because of a violation of a restriction in Schedule B
Inability to use land for single-family dwelling because of a violation of a zoning ordinance or restriction in Schedule B
Pays rent for substitute land or facilities
Rights under unrecorded leases
Plain language
Unrecorded easements
Building permit violations *
Compliance with Subdivision Map Act, if any *
Restrictive covenant violations
Map, if any, not consistent with legal description
Covenant violation resulting in reversion
Enhanced marketability
Violations of building setbacks
Discriminatory covenants
Access – Actual vehicular and pedestrian access based on a legal right
Boundary walls and fence encroachment *
Post-policy forgery
Post-policy encroachment
Post-policy damage from minerals or water extraction
Post-policy Living Trust coverage for trustee
Post-policy Living Trust coverage for beneficiary
Post-policy automatic increase in value
Post-policy adverse possession
Post-policy cloud on title
Post-policy prescriptive easement
Insurance coverage forever

*Subject to maximum indemnity liability, which may be less than policy amount. In certain states, a deductible may apply.