Someone else owns an interest in your land

Someone else has an easement on your land or other rights not listed on your property

You cannot obtain a loan or sell your land because of a defect in the title

Your land has no actual vehicular and/or pedestrian access

A document in your title is forged after the policy date

Your policy amount increases 10% per year up to 150% to cover increases in your property’s value

Your home is damaged due to use by others of an easement on the land, even if the easement is listed in your property

Restrictive Convenant Violations:

– You are forced to move your home due to an existing violation of a restrictive covenant

– You lose your land due to an existing restriction violation

Zoning and Subdivision Violations:

– You are unable to sell, build, mortgage, or lease your land due to a violation of subdivision law

– You are forced to remove existing structures (except boundary walls or fences) due to lack of a prior building permit or zone violation

– You are unable to use the property as a residence under existing zoning laws

Encroachments:

– You are forced to remove existing structures because they encroach onto your neighbor’s land

– Your neighbor builds a structure (other than a wall or fence) that encroaches onto your property after policy

– You cannot obtain a loan or sell your property because your neighbor’s structure encroaches onto your land