Homeowner's Title Insurance
Title Owner Insurance

Homeowner's Policy

Types of Title Insurance in Pennsylvania

There are two types of owner’s title insurance policies certified by the American Land Title Association – the Owner’s policy and the Homeowner’s policy. The Owner’s policy protects you from defects and liens in the history of your title through the date and time your deed is recorded in the public records. On the other hand, the Homeowner’s policy takes your protection to a higher level by providing coverage for many additional risks – including some that might occur after the deed has been recorded.

The Homeowner’s policy protects against many common, frustrating problems; and protects your investment for as long as you or your heirs own the property. Read on for a description of some of the additional coverage you’ll receive when you upgrade to a Homeowner’s policy.

More Coverage, More Peace of Mind
Building Permit Violation Coverage

Covers up to $25,000 after a deductible equal to the lesser of one percent of the policy amount, or $5,000. This coverage applies if you have to remove an existing structure (excluding boundary walls and fences) built by a previous owner who did not obtain the required permits.

Subdivision Map Act Coverage

Pays up to $10,000 after a deductible equal to the lesser of one percent of the policy amount, or $2,500. This coverage applies if you cannot close a sale, secure a loan or obtain a building permit because the land was improperly subdivided prior to purchase.

Location Coverage

Ensures that the home has the same address as the property insured in the policy.

Restrictive Covenant Violations Coverage

Protects against loss of title if someone attempts to enforce an existing restrictive covenant due to a violation that occurred before the policy date.

Zoning Coverage

Protects if you are forced to remove or remedy a structure because it violates zoning laws. Protection for forced remedy of violations is subject to a deductible and a maximum dollar amount.

Post-Policy Coverage

Protects against possible post-policy ownership claims as a result of forgery or encroachment.

Enhanced Access Coverage

Covers actual pedestrian and vehicular access to the property.

Encroachment Coverage

Protects against someone building a structure (excluding boundary walls and fences) that encroaches on the insured property.

Supplemental Taxes

Protects against supplemental taxes for construction, change of use or ownership. Coverage for Structure Damage from Extraction of Minerals, Water and

Other Substances

Protects all existing structures and landscaping (including future replacements) on the property, against damage caused by others using the land for extraction and development of minerals, water and other substances.

Living Trust Coverage

Extends policy protection to include a trust you create.

Trust the Homeowner’s Policy backed by the company with more than 116 years of service and satisfaction. Choose Stewart, and you’ll have the peace of mind you deserve from a title company.

Automatic Coverage Increases

Each of the first five years, the policy amount will automatically increase by 10 percent in value, up to a total of 150 percent, to cover increases in the value of the insured property.

Owner’s Coverage vs. Homeowner’s Coverage

You have to make a lot of decisions when it comes to purchasing a new property. And one of them is going to be whether you want to invest in an owner’s or a homeowner’s title insurance policy. Both offer you protections that you wouldn’t have otherwise had when it comes to your title rights, but their coverage is different.

Take time to learn about each and seek answers to any questions you may have from the experts at Liberty Land Transfer, Inc. Of course nobody wants the extra expense at closing, but making this investment could prove to be very rewarding in the future.

Why Choose Liberty Land Transfer, Inc.?

Buying a new home or another piece of real estate can be overwhelming. There is a lot involved in ensuring the process moves as smoothly as possible. The team at Liberty Land Transfer, Inc. has decades of experience in title services - and they bring that to you.

Open lines of communication throughout the entire process
Diligent and thorough title searches
Incredible knowledge of all types of real estate transactions
Organized and efficient streamlined processes

Choosing to work with a trusted partner like Liberty Land Transfer Inc. gives you peace of mind. We have a long list of happy customers who will agree.

Frequently Asked Questions

What is a title?

Simply stated, the title to a piece of property is the evidence that the owner is in lawful possession of that property.
What is title insurance?

Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or the defects in the title to the property. Each title insurance policy is subject to specific terms, conditions, and exclusions.
How does title insurance differ from other insurance?

Insurance such as a car, life, health, etc. protects against potential future events and is paid for with monthly or annual premiums. A title policy insures against events that occurred in the past of the real property and the people who owned it, for a one-time premium paid at the close of the escrow.
What does title insurance cover?

Title insurance protects against claims from defects. Defects are things such as another person claiming ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments and other items that are specified in the actual policy.
Who needs title insurance?

Purchasers and lenders need title insurance in order to be insured again various possible title defects. The buyer, seller, and lender, all benefit for the issuance of title insurance.
How is a title policy created?

After the escrow office or lender opens the title order, Liberty Land Transfer begins a title search. A Preliminary Report is issued to the customer for review and approval. All closing documents are recorded upon escrow’s instruction. When recording has been confirmed, demands are paid, funds are disbursed, and the actual title policy is created.
What is escrow?

Escrow refers to the process in which the funds of a transaction (such as the sale of a house) are held by a third-party, often the title company or an attorney in the case of real estate, pending the fulfillment of the transaction.
What are the policy types?

A standard policy insures the new owner/home buyer, and a lender’s policy insures the priority of the lenders security interest.

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Homeowner's Title Insurance Title Owner Insurance