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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 a Homeowner’s policy.
 
You can also purchase an Enhanced Owner’s Policy. These policies provide additional protections beyond the standard Homeowner’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. 

Homeowners 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, so it is important to have this in place before the closing.


Flood Insurance

NAAIS agents work closely with builders, mortgage and title companies and coordinate the speedy issuance of an insurance policy so you can close and move in on time. Shortly after signing your purchase contract, we mail you a personalized competitive homeowner’s insurance quote, tailored to your new home’s specifications.