Policy Comparison

LeConte Title proudly offers the Eagle Protection policy. This premier homeowner’s policy automatically provides the most far-reaching, endorsement-inclusive coverage in the industry. Some of the coverage items are completely new, and never before offered by any other title insurer.

Coverage

Owner’s Standard Policy

EAGLE Protection Owner’s Policy

1.  Someone else owns an interest in your title

X

X

2.  A document is not properly signed

X

X

3.  Forgery, Fraud, Duress

X

X

4.  Defective recording of any document

X

X

5.  There are restrictive covenants

X

X

6.  There is a lien on your title because there is:

      a) a deed of trust
      b) a judgment, tax or special assessment
      c) a charge by the homeowners association

X
X
X

X
X
X

7.  Title is unmarketable

X

X

8.  Mechanics lien protection

 

X

9.  Automatic Survey Coverage

 

X

10.  Forced removal of a structure because it:

      a) extends onto other land or onto an easement
      b) violates a restriction in Schedule B
      c) violates an existing zoning law*

 

X
X
X

11.  Can’t use land for residence because the use violates
        a restriction in Schedule B or a zoning ordinance

 

X

12.  Pays rent for substitute land or facilities

 

X

13.  Unrecorded lien by a homeowner’s association

 

X

14.  Unrecorded easements

 

X

15.  Rights of third parties under unrecorded leases

 

X

16.  Plain language

 

X

17.  Building permit violations*

 

X

18.  Compliance with Subdivision Map Act*

 

X

19.  Restrictive covenant violations

 

X

20.  Post Policy Forgery

 

X

21.  Post Policy encroachment

 

X

22.  Post Policy damage from minerals or water extraction

 

X

23.  Post Policy living trust coverage

 

X

24.  Enhanced access-both vehicular & pedestrian

 

X

25.  Post Policy automatic increase in value up to 150%

 

X

26.  Post Policy adverse possession

 

X

27.  Post Policy cloud on title

 

X

28.  Post Policy prescriptive easement

 

X

29.  Covenant violation resulting in reversion

 

X

30.  Boundary walls and fence encroachment*

 

X

31.  Enhanced marketability

 

X

32.  Violations of building setbacks

 

X

33.  Discriminatory covenants

 

X

34.  Insurance coverage forever

 

X

*Subject to a deductible and maximum indemnity liability, which may be less that the policy amount.

**Please refer to the actual policies for details concerning coverages, exceptions and exclusions.