ike homeowner’s or flood insurance, title insurance protects the home you love. However, unlike casualty insurance that covers items that may happen in the future, title insurance protects from Levents that happened in the past. Hidden “title defects” could cause you to lose ownership of your home or impair your right to sell it. A 50-year-old forgery, a stolen identity, an error by a clerk in the county recorder’s office, a tax payment applied to the wrong account – these are examples of defects a title search may not uncover, but that an Owner’s Title Policy will protect you against. The policy will stand behind you for covered losses and even defend your property rights in court. While your mortgage lender requires you to purchase a Loan Policy, your interests as the owner are not fully protected by that policy alone. Check out our list of potential title defects that the Owner’s Policy issued by Lennar Title will cover – for as long as you or your heirs own your home. Ask us about an Owner’s Policy today.

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©2020 Lennar Title Group, LLC and its subsidiaries. All Rights Reserved. Lennar Title is a registered Service Mark of Lennar Corporation and/or its subsidiaries or affiliates. | CORP 18-14261 R 06.23.20 17. Deed affecting property 27. Erroneous release of tax or 34. Adverse claim of IN SOME STATES, purported to be separate assessment liens, which vendor’s lien or extended coverage or property of grantor, which is are later reinstated to the equitable lien an endorsement may in fact community or jointly tax rolls 35. Erroneous or be requested to protect owned property 28. Deed recorded but not inadequate legal against additional 18. Undisclosed divorce of properly indexed so it can be descriptions defects such as: someone who transfers title located in the land records 36. Deed to land without 43. A right or title established by as the sole heir of a deceased Potential Title Defects 29. A prior satisfied mortgage a right of access to a a long unchallenged tenure former spouse Typically Covered by a that is released without public street or road that is not in the public 19. Deed issued after judicial notice of satisfaction due to a record and not disclosed by 37. Deed to land with proceedings that are subject bona fide purchase of survey Title Insurance Policy legal access subject to appeal, further court the note to undisclosed but 44. Physical location of order or where all necessary 30. A prior satisfied mortgage recorded conditions or easement (underground 1. Forged deeds, mortgages, 9. Deed from a purported parties were not joined pipe or sewer line) that does satisfactions or releases corporation that has lost its is improperly released due restrictions 20. Deed affecting property of to bankruptcy of creditor not conform with easement corporate charter 38. Defects in recorded 2. Deed by minor that may be deceased person, not joining prior to the recording of the in the public record instruments such as disclaimed 10. Deed from trustee that is all heirs release or because it was failure to attach notarial 45. Deed to land with not authorized under trust obtained fraudulently by 3. Deed by person who 21. Deed following acknowledgment or a improvements encroaching agreement someone earlier in the chain is insane or mentally administration of estate of legal description upon land of another of title incompetent 11. Deed from a church, charity or missing person who later 39. Defective notary 46. Incorrect survey that club that is a legal nonentity reappears 31. Items that are recorded 4. Deed signed by mistake, acknowledgment misstates location, but undisclosed, including where the grantor did not 12. Deed from a government 22. Discovery of later will after due to expiration of dimensions, area easements federal or state tax lien; know what was signed entity that may be challenged probate of first will or commission or improvements upon land spousal/child support lien; as unauthorized or unlawful discovery of unknown will 5. Deed executed under an environmental lien; a 40. Forged notarization 47. Mechanics’ lien claims after probate falsified or expired power of 13. Deed by person in a foreign prior mortgage; a notice of or witness (securing payment of attorney covering disability country, where the person 23. Misinterpretation of will, pending lawsuit affecting acknowledgment contractors and material or insanity of principal can be challenged according deed or other instruments the land; an option or right suppliers for improvements) 41. Deed not properly to that country’s laws as of first refusal to purchase that may attach to the 6. Deed said to be given under 24. Transfer of property by an recorded, for example, incompetent, unauthorized or property; covenants or property without recorded fraud, undue influence or heir or survivor of a joint recorded in wrong lacking required authority restrictions; or easements notice duress estate who murdered the county, missing pages for access, utilities, drainage, 14. Claims regarding a person in decedent or other contents, 48. Federal estate or state 7. Deed purportedly valid, but airspace or views that benefit the chain of title that used an or lacking required inheritance tax liens that actually delivered after the 25. Transfer of property that is neighboring land alias or fictitious name payment may attach without recorded death of grantor/grantee or void because it is in violation 32. Undisclosed but recorded notice without consent of grantor 15. Deed following nonjudicial of public policy, for example, 42. Deed to a purchaser boundary, party wall or foreclosure, where required as payment of gambling from one who has 49. Preexisting violation of 8. Deed from corporation setback agreements procedure was not followed debt or for contract to previously sold or subdivision mapping laws or or partnership that is zoning ordinances unauthorized under 16. Deed affecting land in judicial commit crime 33. Special assessments that leased the same land become liens upon passage to a third party under corporate bylaws or proceedings (bankruptcy, 26. Errors in tax record, including 50. Preexisting violation of of a law or ordinance, but an unrecorded contract, partnership agreement, or receivership, probate, mailing tax bill to wrong conditions, covenants before recorded notice where the third party given under a false corporate conservatorship, dissolution party resulting in tax sale or and restrictions affecting or commencement of is in possession of the resolution of marriage) that are crediting payment to wrong the land improvements of which premises unauthorized by court property assessment is made