Skagit County
Visit Guardian Northwest Title & Escrow, our Skagit County office.

Title insurance provides protection against certain off-record (hidden risk) factors.

For example:

Protection Against Hidden Risk Factors:	Standard	Extended
Fraud, Forgery
Undisclosed Heirs
Mistaken Legal Representation
Defective Deeds
Confusion of Similiar, Identical Names
Incomplete, Incorrect Delivery
Unwanted Litigation
Status (Marital, Corporate, Financial)
Powers of Agents
Errors in Public Records
Defects in Legal Proceedings
Competency (Minority, Incapacity)

Subject to Exclusions and Exceptions,
Title Insurance protects against loss by reason of:

Protection Against Loss By:	Standard	Extended
Title Vested Other Than Stated
Previous Undisclosed Defect, Lien, Encumbrance
Unmarketable Title
Priority of Insured Financing Document (Mortgage, Trust Deed)
Lack of Access
Construction Liens

The following Exclusions may affect your Title Insurance protection:

Exclusions From Coverage	Standard	Extended
Any Laws, Ordinances or Governmental Regulations Restricting Use
Rights of Eminent Domain
Unmarketable Title
Defects, Liens or Encumbrances Created by Insured, or That the Insured Was Unaware Of
Usury or Truth-In-Lending Laws
Rights of Title to Property Beyond the Lands Expressly Described

The following Exceptions may affect your Title Insurance protection. Our Extended Title Insurance coverage satisfies most of these concerns:

Will These Exceptions Affect Coverage?	Standard	Extended
Taxes, or Assessments Which Are Not Shown as Existing Liens, or a Notice of Future Proceedings Which May Result in Future Tax or Assessment Liens
Facts, Rights, Interests or Claims not Shown by Public Records Which Could be Ascertained by an Inspection or by Making an Inquiry of Person in Possession
Easements, Claims of Easement or Encumbrances, Not Shown in Public Records, Unpatented Mining Claims, Reservations or Exceptions in Patents, Water Rights, or Claims, or Title to Water
Defects, Liens or Encumbrances Created by the Insured, or That the Insured Was Unaware Of
A Lien, or a Right to Lien, Imposed by Law, and Not Shown in the Public Record
Discrepancies, Conflicts in Boundary Lines, Shortage in Area, Encroachments, or Any Other Facts Which a Correct Survey Would Disclose