The homeowner is covered if forced to remove an existing structure (excluding boundary walls and fences) because it was built by a previous owner who did not obtain a building permit from the proper government office or agency. This coverage is completely new. It affords the homeowner an insurance benefit of $25,000.00 after a small deductible - one percent of the policy amount - is satisfied.

Coverage is extended to a homeowner who cannot close a sale, get a loan, or obtain a building permit because the land was improperly subdivided prior to the homeowner's purchase. This coverage was available previously by endorsement and normally only associated with commercial properties. First American will pay up to $10,000.00 over a small deductible - one percent of the policy amount - to afford homeowners protection against this often frustrating problem.

Three important new coverage's deal with violations of restrictions that occurred before the homeowner bought the property. One involves protection against the loss of title because of the violations. Another extends protection to a homeowner who is unable to close a sale or obtain a loan because of the violation. And a third protects against loss from attempts by others to enforce restrictions against the homeowner. These coverage's were available previously only by endorsement, and never to this extent. Now these unforeseen homeowner problems are covered by First American with only the third coverage (loss from the enforcement of restrictions) subject to a small deductible of just one percent of the policy amount.

The EAGLE Policy provides protection against forgeries which may occur in the future and cloud the homeowner's title. This post policy coverage is completely new, and never before available from any title insurer.

This features enhances existing right of access coverage by including both pedestrian and vehicular access. Never before has this type of access been so clearly defined.

Here the homeowner is covered if, after purchase, someone else builds a structure (excluding boundary walls and fences) which encroaches on the insured property. No other title policy has ever covered this situation. Now the homeowner has the protection as First American will take corrective action or provide compensation.

First American protects homeowners whose structures, including those built to modify or replace existing structures, are damaged by others using the surface of the land in the course of extracting minerals. Some of the coverage was previously available by endorsement. Now this coverage is provided automatically, and extends to structures built post-policy to modify or replace existing structures.