Enhanced Policy

What are you
protected against?

standard

enhanced

Forgery, fraud, duress, incompetency, incapacity or impersonation

✔

Your title is unmarketable

✔

There are recorded restrictive covenants limiting the use of your land

✔

Improper execution (signed), acknowledgement, or delivery

✔

Defective recording of any document

✔

There is a lien because of a previous deed of trust / mortgage

✔

There is a lien because of a recorded judgement, tax, or special assessment

✔

There is a lien because of a recorded charge by a HOA

✔

You do not have a legal right of access to and from your land

✔

An unrecorded mechanic’s lien protection for work contracted by the seller

✔

Rights under unrecorded leases and unrecorded contracts of sale or options

✔

Someone else has an unrecorded easement on your land, i.e. other than easements shown in schedule B of policy

✔

Forced removal of existing structure(s) because it violates existing zoning laws or a restriction in Schedule B or encroachment

✔

Cannot use land for single family dwelling/residence because such use violates existing zoning law or restrictions in Schedule B

✔

Removal of existing structure (excluding boundary walls and fences) because previous owner did not obtain proper permit

✔

Land was improperly subdivided prior to the homeowner’s purchase

✔

Restrictive Covenent Violations: Loss of title or inability to close a sale or obtain a loan due to violations

✔

Loss from attempts by others to enforce restrictions against the homeowner

✔

Forgeries which may occur in the future and cloud the homeowner’s title

✔

Coverage continues after transfer to family trust

✔

Enhances existing right of access coverage – including both pedestrian & vehicular access

✔

Someone else builds a structure which encroaches on the insured property

✔

Structures are damaged by others using the surface of the land in the course of extracting minerals

✔

Map attached to the title policy does not show the same location and dimensions of the land as those shown in public records

✔

Policy amount increases five percent of the original amount per year for the first five years to cover increases in the value of the property

✔

When should you choose an
Enhanced Owner’s Policy?

standard

VS.

enhanced

CONFIDENT
COVERAGE

VS.

enhanced

MAXIMUM
PROTECTION

Maximum coverage increases automatically 5% each year for five years
Protects against Post-Closing forgeries
Protects against removal of some structures due to lack of previous permits
Cost efficient. Includes endorsements that lenders require and would be an additional cost with Standard Policies.

CONFIDENT
COVERAGE

MAXIMUM
PROTECTION

Maximum coverage increases automatically 5% each year for five years
Protects against Post-Closing forgeries
Protects against removal of some structures due to lack of previous permits
Cost efficient. Includes endorsements that lenders require and would be an additional cost with Standard Policies.

The Bottom Line:

Standard Policy – comprehensive coverage you can count on at a competitive rate.

Enhanced Policy – maximum protection, including coverage increases and many endorsements that cost extra with a Standard Policy.

Select

STANDARD
Owner’s Policy

Select

ENHANCED
Owner’s Policy

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Total Estimate (premiums + services)	0.00

Lenders Title Insurance	0.00
Total Title Services	0.00
Total Estimate (premiums + services)	0.00

Loan Premium	0.00 / 0.00
Total Owner Insurance	0.00 / 0.00
Total Premium	0.00
Total Title Services	0.00
Total Estimate (premiums + services)	0.00

Download Estimate

Service	Amount
County Title Search ^{We send a searcher to the county courthouse to pull a minimum 40-60 years of history on the property that you are buying.}	$100
US District & Superior Court Search ^{"In New Jersey, judgments are levied as liens against real estate for 20-years. We run judgment searches on every name within the statute of limitations to make sure there are no judgment liens against the property.}	$70
Property Tax & Assessment Search ^{This certified report is chock-full of important data: accurate property tax info, water and sewer balances, municipal CO and fire department requirements, vacant lot charges, and a whole lot more!}	$35
Tideland Search ^{In New Jersey, the state mantains an interest on any land that has ever been part of a natural water basin. This search uses a bunch of geological maps, surveys, and other resources to indicate whether or not New Jersey has any claim on the land you're buying.}	$35
Title Examination ^{This is where things get interesting! It takes a special, detailed expert to pore over various searches. Once done, an important report called a Title Commitment is created and issued.}	$100
Flood Certificate ^{Can you guess what this means? Correct! This search determines whether your future property is in a flood zone or not. If it is, your lender may require you to buy flood insurance}	$10
Post Closing Settlement ^{After closing, our job isn't done yet! Besides the seller and the attorney, we need to pay realtors, surveyors, previous lenders, property taxes, final water bills. On average, we cut 15 checks for every closing! We also record the new deed , check to make sure it was done properly, issue a title policy. Lastly, if there is any money held in escrow, we reconcile those after closing.}	$100
Closing Document & Payment Disbursements ^{All parties don't attend closing. This line item covers copies, overnight deliveries, and wires to creditors, lenders, sellers, realtors, and attorneys.}	$65
Settlement Agent and Closing Coordination ^{Closing Day! We coordinate closing documents, settlement statement amounts and a closing date. Finally, our closer/notary will walk you through the closing either at our office or a location convenient for you. Did we mention we can close in 5 different languages or anywhere in NJ? We even closed in a hospital once!}	$465
Notice of Settlement Filing ^{Notices of Settlements are a crucial part of defending your title. This document, which we record at the beginning of the closing process, acts like a shield against sellers attempting to take out some last-minute debt, or selling the property to two buyers at the same time (this has happened before!). This is the cost that the county charges us to record.}	$24
Transaction Management Platform ^{Keeping track all of the above requires the use of a pretty sophisticated software that is constantly updated to follow changing rules and regulations in our industry. We pay $35 for every file we processs.}	$40
County Filing Verification ^{Part of the wrap-up process is making sure that all the important instruments were properly recorded. We send a searcher BACK to the county about ten days after closing to make sure all the documents are on record!}	$30
Total Services^{Actions needed to happen to insure property to be purchased.}	1074.00
Total Estimate (Premiums+Services)	000.00

Service	Amount
Alta 8.1 Environmental Protection Lien Endorsement ^{Your bank wants to protect their investment too. So they require a common add-on (or endorsement) in case a government entity places an environmental lien on the property for any reason.}	$25
Alta 9.10-06 Encroachment / Easement/ Mineral Rights Endorsement ^{Your bank has a bunch of experience protecting their investment. So they also require this common add-on (or endorsement) to protect their mortgage from enroachments, land restrictions, special use conditions, and mineral rights that might be attached to the property.}	$25
Underwriter Protection Acknowledgement (CPL) ^{A pledge from the title underwriter (the insurance company that backs us) to the lender stating that the lender is protected against any fraud or mismanagement of their funds in escrow.}	$75
Closing Document & Payment Disbursements ^{All parties don't attend closing. This line item covers copies, overnight deliveries, and wires to creditors, lenders, sellers, realtors, and attorneys.}	$65
County Title Search ^{We send a searcher to the county courthouse to pull a minimum 40-60 years of history on the property that you are buying.}	$100
US District & Superior Court Search ^{"In New Jersey, judgments are levied as liens against real estate for 20-years. We run judgment searches on every name within the statute of limitations to make sure there are no judgment liens against the property.}	$70
Property Tax & Assessment Search ^{This certified report is chock-full of important data: accurate property tax info, water and sewer balances, municipal CO and fire department requirements, vacant lot charges, and a whole lot more!}	$35
Tideland Search ^{In New Jersey, the state mantains an interest on any land that has ever been part of a natural water basin. This search uses a bunch of geological maps, surveys, and other resources to indicate whether or not New Jersey has any claim on the land you're buying.}	$35
Title Examination ^{This is where things get interesting! It takes a special, detailed expert to pore over various searches. Once done, an important report called a Title Commitment is created and issued.}	$100
Flood Certificate ^{Can you guess what this means? Correct! This search determines whether your future property is in a flood zone or not. If it is, your lender may require you to buy flood insurance}	$10
Post Closing Settlement ^{After closing, our job isn't done yet! Besides the seller and the attorney, we need to pay realtors, surveyors, property taxes, previous lenders, final water bills. On average, we cut 15 checks for every closing! We also record the new deed and mortgage, check to make sure it was done properly, issue a title policy. Lastly, if there is any money held in escrow, we reconcile those after closing.}	$100
Settlement Agent and Closing Coordination ^{Closing Day! We coordinate closing documents, settlement statement amounts and a closing date. Finally, our closer/notary will walk you through the closing either at our office or a location convenient for you. Did we mention we can close in 5 different languages or anywhere in NJ? We even closed in a hospital once!}	$465
Notice of Settlement Filing ^{Notices of Settlements are a crucial part of defending your title. This document, which we record at the beginning of the closing process, acts like a shield against sellers attempting to take out some last-minute debt, or selling the property to two buyers at the same time (this has happened before!). This is the cost that the county charges us to record.}	$44
Transaction Management Platform ^{Keeping track all of the above requires the use of a pretty sophisticated software that is constantly updated to follow changing rules and regulations in our industry. We pay $35 for every file we processs.}	$40
County Filing Verification ^{Part of the wrap-up process is making sure that all the important instruments were properly recorded. We send a searcher BACK to the county about ten days after closing to make sure all the documents are on record!}	$30
Simultaneous Issue ^{This service allows us to issue an owners policy at the same time we issue a lender's policy saving you plenty of money. Since all of the work is done to insure the lender, you save money on any overlapping searches and coverage protecting yourself at only a fraction of the price. Not getting one to protect yourself if you are already getting a lender's policy is even crazier!}	$25
Total Services^{Actions needed to happen to insure property to be purchased.}	1244.00
Total Estimate (Premiums+Services)	1,600.00

Service	Amount
Alta 8.1 Environmental Protection Lien Endorsement ^{Your bank wants to protect their investment too. So they require a common add-on (or endorsement) in case a government entity places an environmental lien on the property for any reason.}	$25
Alta 9.10-06 Encroachment / Easement/ Mineral Rights Endorsement ^{Your bank has a bunch of experience protecting their investment. So they also require this common add-on (or endorsement) to protect their mortgage from enroachments, land restrictions, special use conditions, and mineral rights that might be attached to the property.}	$25
Underwriter Protection Acknowledgement (CPL) ^{A pledge from the title underwriter (the insurance company that backs us) to the lender stating that the lender is protected against any fraud or mismanagement of their funds in escrow.}	$75
Closing Document & Payment Disbursements ^{All parties don't attend closing. This line item covers copies, overnight deliveries, and wires to creditors, lenders, sellers, realtors, and attorneys.}	$65
County Title Search ^{We send a searcher to the county courthouse to pull a minimum of 40-60 years of history on the property that you are buying.}	$60
US District & Superior Court Search ^{"In New Jersey, judgments are levied as liens against real estate for 20-years. We run judgment searches on every name within the statute of limitations to make sure there are no judgment liens against the property."}	$70
Property Tax & Assessment Search ^{This certified report is chock-full of important data: accurate property tax info, water and sewer balances, municipal CO and fire department requirements, vacant lot charges, and a whole lot more!}	$35
Tideland Search ^{In New Jersey, the state mantains an interest on any land that has ever been part of a natural water basin. This search uses a bunch of geological maps, surveys, and other resources to indicate whether or not New Jersey has any claim on the land you're buying.}	$35
Title Examination ^{This is where things get interesting! It takes a special, detailed expert to pore over various searches. Once done, an important report called a Title Commitment is created and issued.}	$100
Flood Certificate ^{Can you guess what this means? Correct! This search determines whether your future property is in a flood zone or not. If it is, your lender may require you to buy flood insurance}	$10
Post Closing Settlement ^{After closing, our job isn't done yet! We still need to pay off prior debtors, record the new mortgage, verify it was properly recorded, issue a title policy.}	$75
Settlement Agent and Closing Coordination ^{Closing Day! We coordinate closing documents, settlement statement amounts and a closing date. Finally, our closer/notary will walk you through the closing either at our office or a location convenient for you. Did we mention we can close in 5 different languages or anywhere in NJ? We even closed in a hospital once!}	$415
Notice of Settlement Filing ^{Notices of Settlements are a crucial part of defending your title and the lender's loan. This document, which we record at the beginning of the closing process, acts like a shield against borrowers attempting to take out some last-minute debt, or borrowing from two lenders at the same time (this has happened before!). This is the cost that the county charges us to record.}	$24
Transaction Management Platform ^{Keeping track all of the above requires the use of a pretty sophisticated software that is constantly updated to follow changing rules and regulations in our industry. We pay $35 for every file we processs.}	$40
County Filing Verification ^{Part of the wrap-up process is making sure that all the important instruments were properly recorded. We send a searcher BACK to the county about ten days after closing to make sure all the documents are on record!}	$30
Total Services ^{Actions needed to happen to insure property to be purchased.}	1084.00
Total Estimate (Premiums+Services)	1,600.00

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Enhanced Policy

What are you
protected against?

standard

enhanced

When should you choose an
Enhanced Owner’s Policy?

standard

enhanced

enhanced

Select

STANDARD
Owner’s Policy

Select

ENHANCED
Owner’s Policy

Clear Skies Title Insurance Calculator

Get an Instant Estimate

Owner’s Title Policy

Title Services

Total Estimate

Lenders Title Insurance

Total Title Services

Total Estimate

Loan Premium

Total Owner Insurance

Total Premium

Total Title Services

Total Estimate

How to Evaluate This Estimate

READY TO TALK TITLE?

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Enhanced Policy

What are you protected against?

standard

enhanced

When should you choose an Enhanced Owner’s Policy?

standard

enhanced

enhanced

Select

STANDARD Owner’s Policy

Select

ENHANCED Owner’s Policy

Clear Skies Title Insurance Calculator

Get an Instant Estimate

Owner’s Title Policy

Title Services

Total Estimate

Lenders Title Insurance

Total Title Services

Total Estimate

Loan Premium

Total Owner Insurance

Total Premium

Total Title Services

Total Estimate

How to Evaluate This Estimate

READY TO TALK TITLE?

What are you
protected against?

When should you choose an
Enhanced Owner’s Policy?

STANDARD
Owner’s Policy

ENHANCED
Owner’s Policy