Title Insurance Coverage Options

If you are taking out a mortgage on your new home, the lender will require you to purchase a title insurance policy to insure the title to the property. Lender’s policies only cover lender interests. To fully protect your investment, you will want to purchase Owner's Title Insurance. For a one-time fee paid at closing, Owner's Title Insurance protects your homeownership rights for as long as you or your heirs own the home.

You can also purchase an Enhanced Owner’s Policy. These policies provide additional protections beyond the standard Owner's Policy and offer the highest levels of protection available to homeowners.

The following is a list of additional protections provided with extended coverage. Due to varying state laws some benefits may not be available to you. Consult with your North American Title representative to discuss the options available to you.

Enhanced policy options:

Building permit violation coverage
Subdivision Map Act coverage
Location coverage
Restrictive covenant violations coverage
Zoning coverage
Post-policy coverage
Enhanced access coverage
Encroachment coverage
Supplemental taxes
Coverage for structure damage from extraction of minerals, water and other substances
Automatic coverage increases
Living trust coverage

Your North American Title representative has extensive information to help you choose your coverage. Ask our expert staff for the competitive rate options available to you.

Homeowner’s insurance
One of the most important decisions you will make during your homebuying journey is selecting the right homeowner’s insurance to protect your investment. Lenders will require you to have proof of coverage in order to close your transaction.

Flood insurance
If your new property is located in a designated Flood Zone, you may be required by your Lender to purchase a flood insurance policy. Talk to your Lender to determine what requirements you must meet in order to have your mortgage approved.

Title Insurance Coverage Options

Home Buyer & Seller