Recently, we have received numerous inquiries pertaining to title insurance coverage. Please refer to the information listed below from the Department of Insurance that explains title insurance coverage areas in more detail.

• Protection from financial loss (up to the face amount of the policy) due to covered claims against your title;
• Payment of legal costs to defend against covered claims;
• Payment of successful claims against your title (up to the face amount of the policy).
  Read your title insurance policy carefully and note possible exclusions and exceptions, which may include:
• An unrecorded title defect you knew about;
• Condemned land;
• Building and zoning ordinance violations;
• Payments required (except for legal access rights) because your deed failed to provide rights of use to adjacent land, streets, alleys or waterways;
• Conveyance of title irregularities arising from a deceased person's estate, a bankruptcy estate or trust;
• Restrictive covenants limiting your use of the property;
• Discrepancies, conflicts or shortages in area, boundary lines, encroachments, protrusions or overlapping improvements;
• Right of usage claims arising if your property is on or near a body of water, river or stream; or,
• Renter or adverse possession claims from "parties in possession" of all or a portion of your property.