Standard ALTA Owner’s Title Insurance Policy vs. Enhanced Policy

Coverage Item Standard ALTA Residential Enhanced Homeowner's Policy
Pre-policy forgery, fraud or duress Yes Yes
Forged deeds, releases or wills Yes Yes
Instruments executed under invalid or expired power of attorney Yes Yes
Defective recording of legal documents Yes Yes
Improperly executed documents Yes Yes
Unmarketability of title Yes Yes
Mechanics lien protection Yes Yes
Third party claims interest in property Yes Yes
Post policy forgery X Yes
Enhanced access coverage X Yes
Building permit violations X Yes
Post policy adverse possession X Yes
Restrictive covenant violations X Yes
Mineral extraction coverage X Yes
Map not consistent with legal description X Yes
Post policy living trust coverage X Yes
Post policy encroachment X Yes
Post policy automatic increase in value up to 150% X Yes

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