What an Owner's Policy of Title Insurance will attempt to protect against:

• Another party owns interest in the title
• A title-related document is not properly signed, sealed, acknowledged or delivered
• There is proof of forgery, fraud, duress, incompetency, incapacity or impersonation
• Title-related documents have been defectively recorded
• It is discovered that no legal right-of-access to and from the land exists
• There are covenants limiting the use of the land
• There are liens on the title due to: Mortgage or deed of trust issues, unpaid judgements, tax liens, special assessments or unpaid homeowner's association charges
• There are liens on the title for labor and/or material furnished before the policy date that the insured did not agree to pay
• Others have rights arising out of leases, contracts, options or easements
• The title is unmarketable, which means an interest or claim to the title has been revoked
• The insured is forced to remove any existing structure (other than a boundary or fence) because:
  • It extends beyond adjoining land or into an easement
  • It violated an existing zoning law

This insurance is limited by the exclusions, exceptions and condition contained in the actual policy. Check with your title company to see what they cover.