{"id":1129,"date":"2020-12-11T06:00:07","date_gmt":"2020-12-11T11:00:07","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=1129"},"modified":"2024-04-25T23:20:27","modified_gmt":"2024-04-26T03:20:27","slug":"home-buyers-cover-your-assets-choosing-between-standard-and-extended-title-insurance","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/home-buyers-cover-your-assets-choosing-between-standard-and-extended-title-insurance\/","title":{"rendered":"Home Buyers, Cover Your Assets: Choosing Between Standard and Extended Title Insurance"},"content":{"rendered":"\n
\"Image<\/figure><\/div>\n\n\n\n

People have a chance to buy title insurance when they buy homes.\nHomeowners might give these policies little thought until they need them. And\nyet, lenders focus pointedly on the matter. Get a mortgage, and you get a\nlender\u2019s title insurance policy. Some people assume the lender\u2019s coverage is\nenough. As we\u2019ll explain here, it\u2019s probably not. <\/p>\n\n\n\n

But there\u2019s a further question. If an owner\u2019s title policy\nis so important to add, what level of coverage should the buyer consider? Is\nextended coverage better than the standard policy?<\/p>\n\n\n\n

We\u2019ll go through these questions in order. <\/p>\n\n\n\n\n\n\n\n

If a Buyer Has Already Paid for Lender\u2019s Title Insurance, Why Buy an\nOwner\u2019s Policy Too?<\/h2>\n\n\n\n

When you buy a home, you (or the seller, depending on local\ncustom) will buy title insurance at the settlement table \u2014 to benefit the\nlender. You can also buy an optional owner\u2019s title policy. You have one chance\nto buy the owner\u2019s policy \u2014 at settlement. You pay for it once. There are no\nmonthly premiums. It covers the title as long as you own the home, and even if\nyou put the property into a living trust. <\/p>\n\n\n\n

In fact, your owner\u2019s title policy even outlives you to\nprotects your heirs\u2019 interest in the property. Later, when you sell your home,\ngiving a warranty deed to your buyer, your coverage backs up the warranty you\nmade. All for a few hundred dollars. Purchase it at settlement along with the lender\u2019s\npolicy, and you may receive a multiple plan discount.<\/p>\n\n\n\n

The lender\u2019s title insurance only covers the mortgage\nbalance due. It does not protect your equity in the home. The lender wants the\ntitle company to have its back if someone shows up and claims an interest in a\nhouse that secures a loan. The lender also wants the title company to protect\nits priority, so other liens<\/a>\ncan\u2019t take precedence. As you pay your mortgage down, the amount of lender\u2019s coverage\nremaining on the property shrinks. When you pay off the mortgage, the coverage\nvanishes. <\/p>\n\n\n\n

But with an owner\u2019s policy, if a claim related to the\nactions of a prior owner takes you by surprise, you<\/em> are a named\nbeneficiary, entitled to support for legal costs to resolve the conflict.<\/p>\n\n\n\n

What Kind of Issues Can an Owner\u2019s Title Policy Solve?<\/h2>\n\n\n\n

As a buyer, you expect full rights to your new property,\njust as the deed indicates, without any surprises down the road. You rely on a\ntitle company to vet the title to the home. A title search looks at court\ndocuments, bankruptcies, deaths and divorces, to confirm that the seller has\nfull rights in the home and can transfer those rights to you. The title search\nalso checks for secured debts that should be paid off before the sale can\nhappen. <\/p>\n\n\n\n

If the title report shows that the seller is offering the\nhome with a clear title, that\u2019s great. Yet although the title search goes back\nin the chain of title several decades, not every issue is on the record, and\ntitle companies occasionally do miss recorded items. <\/p>\n\n\n\n

An owner\u2019s policy addresses past problems that become\nobvious after purchase, such as a faulty\nproperty description<\/a>, a lack of access rights, forged or otherwise\nimproperly produced documents, missing heirs or co-owners, or undisclosed but\nrecorded liens for unpaid local services. An owner\u2019s title policy would\nreimburse you for your expenses for issues like these, and work to clear your\ntitle if necessary. Check the policy you\u2019re buying to know what protections are\nstandard.<\/p>\n\n\n\n

Pro tip:<\/em><\/strong> You can get an add-on to cover the\ngap in time between the title search and the transfer of the deed from the\nseller to you. During that time, a lien for the seller\u2019s unpaid bills could attach\nto the house \u2014 and stay on the house after the deed changes hands. Title\ninsurance can take care of this mess for a new owner with the right insurance coverage.<\/p>\n\n\n\n

What Do Extended Owner\u2019s Policies Cover That Standard Owner\u2019s Policies\nDon\u2019t? <\/h2>\n\n\n\n

An extended<\/em> (sometimes called enhanced<\/em>)\nowner\u2019s title policy covers more items, such as clouds on titles connected to decades-old\nforeclosures, certain zoning and property restriction problems, a prior owner\u2019s\nfailure\nto pull required work permits<\/a>, unrecorded easement claims, survey\nmistakes, structures encroaching on adjacent property, unrecorded mechanic\u2019s\nliens, and a host of other issues.<\/p>\n\n\n\n

Perhaps the most significant of those issues is fraud.<\/p>\n\n\n\n

An extended title policy shields your equity from identity theft, post-policy forgery, and scams. The enhanced American Land Title Association Homeowner\u2019s Policy, for about a 25% markup, guards against impersonation schemes through which a fraudster takes money by applying for a home equity line of credit on your home. You, the innocent homeowner, would be expected to pay off that debt, or undertake a very costly quiet title action<\/a>. Because a home equity line of credit doesn\u2019t get the vetting a mortgage gets, it\u2019s a top pick for scam artists.<\/p>\n\n\n\n

\u261b<\/strong> <\/strong>Review your credit\nreports regularly to be sure there are no unexplained financial activities\nappearing under your name. And find out more about <\/strong>deed\nfraud and avoiding real estate scams<\/a><\/strong>.<\/strong><\/p>\n\n\n\n

Here is a comparison, published by Federal Title, of the company\u2019s standard and enhanced title policy coverage<\/a>. There could be a third tier available in your location \u2014 such as First American\u2019s “Eagle Policy<\/a>.” Extra coverage is often geared to unusual situations such as forced removal of improvements due to lack of building permits, encroachments since the property was purchased, and other matters. And you\u2019ll be covered for losses and legal costs on account of boundary conflicts or structures overlapping adjacent properties that were not obvious before closing.<\/p>\n\n\n\n

Expect certain deductibles, conditions and exceptions with\nany level of coverage. Have\na survey done<\/a> to avoid some of these exceptions. The survey is an\nimportant element in finding physical title issues that affect an owner\u2019s use\nof a property as it\u2019s described on the deed. <\/p>\n\n\n\n

Not all land use problems can be remedied. A good example of\nthis is the sea level rise and changes in tidal rivers that change land\nboundaries. That said, flood insurance is available and required in some areas.<\/p>\n\n\n\n

\u261b<\/strong> <\/strong>Lenders may require flood insurance\nto finance homes they deem susceptible to flooding. <\/strong>Learn\nmore about flood insurance here<\/a><\/strong>.<\/strong><\/p>\n\n\n\n

Consumer Tips<\/h2>\n\n\n\n

Your real estate agent or mortgage representative will select\na title company that\u2019s familiar to them. It\u2019s perfectly sensible to ask whether\nthat particular company offers you the best selection and rates available. <\/p>\n\n\n\n

As a buyer, can you select a title insurance company\nyourself? If you\u2019re the one paying for it, certainly.  Although companies\u2019 standard policies are\nsimilar, given their affiliations with the American Land Title Association or\nthe state\u2019s equivalent, prices do vary. Tell your agent or mortgage specialist in\nadvance that you plan to pick your policy. <\/p>\n\n\n\n

Know who the policy underwriters are, look at their websites, and speak with representatives of the insurance companies for details. Examine the various items<\/a> policies cover when considering what you might need.<\/p>\n\n\n\n

Does your seller have an existing owner\u2019s policy? If so, you\nmight be able to get a substitution rate on your new title policy. And whenever\nyou refinance your home, you buy a lender\u2019s policy to cover the value of the\nloan. You might be eligible for a reissue discount then, too.<\/p>\n\n\n\n

Now, what if you opted out or didn\u2019t think to buy an owner\u2019s\npolicy? Are you on your own if a claim against your title comes up? Not\nnecessarily. If you hold a warranty deed from the person who sold you the home,\nthe seller\u2019s title company should be prepared to help you. The title company\u2019s\nattorneys perform title searches so as to give assurances, through a warranty deed<\/a>,\nthat your title is free and clear. <\/p>\n\n\n\n

We sign off with a word of congratulations to you, the home\nbuyer. Finding the right home to call your own can bring unparalleled\nsatisfaction and joy. After considering the title policy offerings available,\nyou may find your joy enhanced with a little extra insurance coverage.<\/p>\n\n\n\n

Supporting References<\/strong><\/p>\n\n\n\n

Michele Lerner: With Identity Theft Threats, Enhanced Title Insurance\nMay Protect You From Losing Your Home to a Scam, Washington Post<\/em> (Nov.\n18, 2020).<\/p>\n\n\n\n

Entitle Direct Insurance: The Smart Consumer\u2019s Guide to Reducing Closing Costs<\/a> (PDF posted by the National Association of Insurance Commissioners, 2013).<\/p>\n\n\n\n

Photo credit: Sieuwert Otterloo<\/a>, via Unsplash. <\/p>\n","protected":false},"excerpt":{"rendered":"

People have a chance to buy title insurance when they buy homes. Homeowners might give these policies little thought until they need them. And yet, lenders focus pointedly on the matter. Get a mortgage, and you get a lender\u2019s title insurance policy. Some people assume the lender\u2019s coverage is enough. As we\u2019ll explain here, it\u2019s […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[82],"tags":[],"class_list":["post-1129","post","type-post","status-publish","format-standard","hentry","category-title-insurance"],"yoast_head":"\nHome Buyers, Cover Your Assets: Choosing Between Standard and Extended Title Insurance - Deeds.com<\/title>\n<meta name=\"description\" content=\"If an owner\u2019s title policy is so important to add, what level of coverage should the buyer consider? 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