As you might expect, basic title insurance covers just the basics and includes protection against the following potential claims against your property:

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• Claims by other parties that they own the property

• Mistakes in the public record

• Previously unknown heirs claiming an interest in the property

• Fraud, forgery and other malfeasance

Enhanced title insurance policies include all the coverages of basic title insurance and add protection against a few more risks for good measure:
 

• Liens against the property

• Zoning and building permit issues, including covenant restrictions and corrections

• Encroachment of structures onto your property or of your buildings onto a neighbor’s property

• Subdivision violations

• Lack of access to the property

• Supplemental tax assessments