Fairborn 937-878-4333

Springfield 937-322-7333

What’s The Difference Between a Basic Policy and Star Policy?

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Coverage Comparisons

Title Defects

Standard
Enhanced

Title to the estate or interest being vested other than a person or other than state therein

YES
YES

Any defect in or lien or encumbrance on the title

YES

YES

Unmarketability of the title

YES

YES

You do not have both actual vehicular & pedestrian access to & from the land based upon a legal right

NO

YES

You are forced to correct or remove an existing violation of any covenant, condition or restriction affecting the land

NO*

YES

Your tile is lost or taken because of a violation of any covenant, condition or restriction, which occurred before you acquired your title

NO*

YES

You are unable to obtain a building permit; you are required to correct or remove the violation; or someone else has a legal right to, and does, refuse to perform a contract to purse the land, lease it or make a mortgage loan on it because of an existing violation of a subdivision law or regulation affecting the land

NO*

YES

You are forced to remove or remedy your existing structures, or any part of them because any portion was built without obtaining a building permit from the proper government office

NO*

YES

You are forced to remove or remedy your existing structures, or any part of them because they violate an existing zoning law or zoning regulation

NO*

YES

You cannot use the land because use as a single-family residence violates an existing zoning law or zoning regulation

NO*

YES

You are forced to remove your existing structures because they encroach onto your neighbor’s land

YES

YES

Someone has a legal right to, and does, refuse to perform a contract to purchase the lad, lease it or make a mortgage loan on it because your neighbor’s existing structures encroach onto the land

YES

YES

You are forced to remove your existing structures which encroach onto an easement or over a building set-back line

YES

YES

Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the land

YES

YES

Your existing improvement, including lawns, shrubbery or trees are damaged because of future exercise of right to use the surface of the land for the extraction or development of minerals, water or any other substance

NO

YES

Someone else tries to enforce a discriminatory covenant, condition or restriction that they claim affects your title which is based upon race, color, religion, sex, handicap, familial status or national origin

NO*

YES

A tax authority assesses supplemental real estate taxes not previously assessed against the land for any period before the policy date because of construction or a change of ownership or use that occurred before the policy date

NO

YES

Your neighbor builds any structures after the policy date which encroaches on to the land

NO

YES

The residence with the address is not located on the land a the policy date

NO

YES

The map, if any, attached to the policy does not show the correct location of the land according to the public records

NO

YES

Lack of right of access to and from the land

YES

YES

*Coverage for the item is not provided in the ALTA Owners’ policy UNLESS notice for the covenant, ordinance, statute or regulation is recorded in the public land records.

Notes: Covered risks listed are occurring after the policy date. This policy is for use, when requested, for one-to-four family residences only.  It should not be used for vacant land or for new construction. If issued on new construction, you must independently verify the payment of all lienable construction cost and the issuance of all required occupancy permits.  Deductibles may apply with respect to certain of the coverages afforded in this policy.  Contact a local Real Estate Title office for specific information as to any deductibles which pertain to the coverages in the Homeowner’s Policy of Title Insurance.