·	Ownership Title: another party claiming an ownership in your home.

·	Public Record Errors: issues relating to an improperly signed document or a document recorded inaccurately at the county recorder’s office.

·	Continuation of Coverage: provides ownership coverage to anyone who inherits the property; a spouse who receives title upon dissolution of marriage; the trustee to whom the insured transfers title and the beneficiaries of a trust.

·	Fraud & Forgery: another party having rights in your property arising from forgery or false impersonation.

·	Undisclosed Heirs: an unknown heir claims an ownership interest in your home.

·	Liens: a creditor of the previous owner attempting to enforce a lien.

·	Access: discovering you do not have actual physical access t o your home Subdivision Law: loss from a violation of a subdivision law resulting in the inability to obtain a building permit *

·	Building Permit: if you are forced to remove or remedy your existing structures, other than boundary walls and fences, because they were constructed without obtaining a proper building permit *

·	Zoning: if you are required to remove or remedy your existing structures, other than boundary walls and fences, due to a violation of a zoning law *

·	Encroachment: (your structures on neighbor’s property) your neighbor forces you to remove an existing structure(s), which encroaches onto neighbor’s land (boundary walls or fences are subject to a deductible) *

·	Encroachment: (neighbor’s existing structures encroaching on your property) your property becomes unmarketable because someone refuses to perform a contract to purchase, lease it, or make a mortgage loan due to your neighbor’s structure encroaching on your land.

·	Encroachment: (neighbor creating encroachments after closing) if your neighbor builds any structures after the Policy Date, other than boundary walls and fences, which encroach on your land.

·	Encroachment: (your structures encroaching an easement) if you are forced to remove a structure which encroaches onto an easement or over a building set-back line.

·	Easements: loss arising from damage to an existing structure due to the exercise of a right to maintain or use the easement.

·	Surface Extraction: loss from damage to existing improvements due to the future right to use the surface of the land for the extraction or development of minerals or water.

·	Covenants, Conditions, Restrictions: if you are forced to remove or correct a violation by a previous owner

·	Supplemental Taxes: supplemental or “roll back” taxes for a period before the policy date

·	Automatic Increased Coverage: policy liability coverage increases 10% per year for 5 years to a maximum of 150% of the initial policy amount.