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Homeowners Title of Policy

Providing the Best to REALTORS®
The superior coverage of the Homeowner’s Policy of Title Insurance, backed by the nation’s best title insurer, provides outstanding
benefits to REALTORS® as well. Here’s how:
• Reduces the REALTORS® exposure in a transaction regarding certain regulatory matters.
• Increases the client’s satisfaction and confidence by providing the finest protection available.
• Helps ensure the client’s ability to resell the home in the future, free of potentially damaging title problems.
• Gives the REALTOR® and client peace of mind in the increasingly complex world of real estate.
Informing clients about premium title insurance such as the Homeowner’s Policy makes good business sense. With superior title
coverage issued through and by a reputable title insurer, REALTORS® and clients benefit from two critical layers of protection.

Providing the Best to Homeowners
Homeowners depend upon the strength and stability of a reputable title insurer to back their policies for years to come. Fidelity
National Title has a long and proud history of providing homeowners with the most innovative title and escrow products in the
With Fidelity National Title, homeowners can enjoy peace of mind knowing they are insured by one of the industry’s premier title
insurers. And with the Homeowner’s Policy, they’ll enjoy even more peace of mind knowing they have the best title policy available.

Superior All-Inclusive Benefits from the Homeowner’s Policy
This superior policy gives your clients the most thorough and comprehensive coverage available in the industry.
The new Homeowner’s Policy includes the following basic coverage:
• False impersonation of the true owner of the property
• Forged deeds, releases or wills
• Undisclosed or missing heirs
• Instruments executed under invalid or expired power of attorney
• Mistakes in recording legal documents
• Misinterpretation of wills
• Deeds by minors
• Deeds by persons supposedly single, but in fact married
• Liens for unpaid estate, inheritance, income or gift taxes
• Fraud
The Homeowner’s Policy also Provides the Following Additional Benefits
• Pre and Post Policy Protections: The Homeowner’s Policy coverage protects homeowners against claims arising both before
and after the policy date. The homeowner is covered if someone else has an interest in or claims to have rights affecting the
title, or the title is defective. Post-policy protection also includes coverage for forgery, impersonation, easements, use
limitations and structural encroachments built by neighbors (except for boundary walls or fences) after the policy date.
• Expanded Access Coverage: The Homeowner’s Policy provides homeowners with expanded access protection for right of
access to and from the property. Traditional title policies do not define the type of access a homeowner has to the property,
but the Homeowner’s Policy specifically insures both actual pedestrian and vehicular access, based upon a legal right.
 Restrictive Covenant Violations: The Homeowner’s Policy protects homeowners against the loss of title to property because
of a violation of a restrictive covenant that occurred before the insured acquired title.
 Building Permit Violations: The Homeowner’s Policy covers homeowners if they must remove or remedy an existing
structure (except for boundary walls and fences) because it was built without a building permit from the proper government
office. This coverage is subject to deductible amounts and maximum limits of liability.
• Subdivision Law Violations: The Homeowner’s Policy protects homeowners if they can’t sell the property or get a building
permit because of a violation of an existing subdivision law. Homeowners are also protected if they are forced to correct or
remove the violation. This coverage is subject to a policy deductible and maximum limits of liability.
• Zoning Law Violations: The Homeowner’s Policy protects homeowners if they must remove or remedy existing zoning laws or
regulations (subject to the policy deductible and maximum limit of liability). Homeowners are also protected if they can’t use
the land for a single-family residence due to the way the land is zoned.
 Encroachment Protections: Covers homeowners if forced to remove an existing structure because it encroaches on a
neighbor’s land (coverage for encroachments of boundary walls or fences is subject to policy deductible and maximum limit of
liability). Covers homeowners when someone else has a legal right to, and does, refuse to perform a contract to purchase the
homeowner’s land, lease it or make a mortgage loan on it because a neighbor’s existing structures encroach onto the land.
 Water and Mineral Rights Damage: The Homeowner’s Policy provides coverage if a homeowner’s existing improvements,
including lawns, shrubbery and trees, are damaged because someone exercised a right to use the surface of the land for the
extraction of minerals or water.
• Supplemental Tax Lien: The Homeowner’s Policy protects homeowners if a supplemental tax lien is filed and assessed
against the property because of new construction or a change of ownership prior to the policy date.
• Map Inconsistencies: The Homeowner’s Policy provides coverage if the map attached to the homeowner’s policy does not
show the correct location of the land, according to public records.
• Continuous Coverage: The Homeowner’s Policy covers homeowners forever, even if they no longer have the title. The policy
insures anyone who inherits the title because of the homeowner’s death and the spouse who receives the title after a
dissolution of marriage. The Homeowner’s Policy also allows homeowners to transfer title to their home into a trust after the
policy date and receive uninterrupted coverage, at no extra cost.
 Value-Added Protection: Traditional title policies don’t increase their coverage as the value of a home increases. Not so with the Homeowner’s Policy. The policy amount automatically increases by ten percent per year for five years, up to 150% over the original policy amount. This automatic increase in coverage is included at no extra cost.