Phone: 801 266-0606


Comparing coverage of ALTA's standard Owner' Policy and
enhanced Homowner's Policy


Policy 2006



Mortgage Calculator

Head-to-Head coverage comparison

Refinance Calculator

Coverages included without endorsement
(Assumes compliance with Stewart Title Guaranty Company's underwriting requirements for issuance of the applicable policy.)


Covered Risks

Third party claims an interest in the title

Prior forgery, fraud or duress affecting the title

Liens or encumbrances on title (e.g., prior mortgages or deed of trust,

state or federal tax lien, condominium or homeowners' association lien

-   Deposit of EM w/Title Co.

Improperly executed documents

Defective recording of document

Unmarketability of title

Lack of a right of legal access to and from the land

Restrictive covenants limiting your use of the land

Gap Coverage (extending coverage from the closing to the recording
of the deed


Coverage continues as long as you own the property

Policy insures anyone who inherits the property from you

Policy insures the trustee of an estate-planning trust

Policy insures the beneficiaries of a trust upon your death

Extended Coverage

Parties in possession of the property that are not disclosed by the public
records (e.g., tenants, adverse possessors)

Unrecorded easements (e.g., prescriptive easements) affecting the property

Coverages included without endorsement



Encroachments and boundary line disputes that would be disclosed by

a survey

Mechanic's liens (a lien against the property due to non-payment of work)

Taxes or special assessments that are not shown as liens by the public


Additional Coverages




Actual vehicular and pedestrian access, based upon the legal right

You must correct or remove an existing violation of certain covenants,

conditions or restrictions

Loss of your title resulting from a prior violation of a covenant, condition

or restriction

Up to $10,000 if you are unable to obtain a building permit due to an existing

violation of a subdivision law or regulation or you must correct an existing

violation (subject to a deductible)

Up to $25,000 if you must remedy or remove an existing structure

because it was built without a proper building permit (subject to a deductible)

Up to $25,000 if you must remedy or remove an existing structure due to an

existing violation of a zoning law or zoning regulation (subject to a deductible)

Up to $5,000 if you must remove your existing structure if they encroach onto

your neighbor's land (subject to a deductible)

You cannot use the land as a single-family residence because such use

violates an existing zoning law or zoning regulation

You are forced to remove your existing structures because they encroach

into an easement or over a setback line

Damage to existing structures due to an exercise of an existing right

to use any easement affecting the land

Damage to existing improvements due to an exercise of an existing right

to use the surface of the land for the extraction or development of

minerals, water or any other substance

Attempted enforcement of discriminatory covenant

Supplemental taxes because of prior construction or change of ownership

or use

Damages if the residence is not located at the address stated in the policy

Pays substitute rent and relocation expenses, if you cannot use your

home because of a claim covered by the policy

Automatic increase in policy amount up to 150% of policy

amount over five years

Post Policy Coverages

Forgery affecting the title

Unauthorized leases, contracts or options

Ownership claims

Easements affecting your use of the land

Not automatically included in the basic policy, but may be available by extended coverage


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