Skagit County
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First American Title of Island County's Second Generation Home Owner Protection Owner's Policy (Homeowners Policy)

		Owner's (Standard) Policy	Home Owner Protection™ Policy
1.	Someone else owns an interest in your title.
2.	Your title is affected by another's rights in leases, contracts or options.
3.	Your title is affected by forgery or impersonation.
4.	Someone else has an easement on the land.
5.	Someone else has a right to limit your use of the land.
6.	Your title is defective.
7.	Any of the Covered Risks 1-6 above occurring after the Policy Date.
8.	Someone else has a lien on your title, including mortgages, judgments, state or federal tax liens, special assessments, or a lien for homeowner's or condominium charges.
9.	Someone has a lien occurring before or after the Policy Date for labor and material furnished before the Policy Date.
10.	Someone else has an encumbrance on your title.
11.	Someone else claims to have rights affecting your title arising out of fraud, duress, incompetency or incapacity.
12.	You do not have a right to both vehicular and pedestrian access to the land.
13.	You are forced to correct or remove an existing violation of any covenant, condition or restriction, even those excepted in the Policy.
14.	Your title is lost because of a violation of any covenant, condition or restriction which occurred before you acquired title, even if the covenant, condition or restriction is excepted in the Policy.
15.	Because of an existing violation of a subdivision law: You are unable to obtain a building permit. You are forced to correct or remove the violation. Someone refuses, based on a legal right, to purchase or make a mortgage loan on the land.
16.	You are forced to remove or remedy your existing structures because any portion was built without obtaining a building permit from the proper government office.
17.	You are forced to remove or remedy your existing structures because they violate an existing zoning law or regulation.
18.	You cannot use the land because it's use as a single family residence violates an existing zoning law or regulation.
19.	You are forced to remove your existing structures because they encroach onto your neighbor's land.
20.	Someone refuses, based on legal right, to purchase or make a mortgage loan on the land because your neighbor's existing structures encroach onto your land.
21.	You are forced to remove your existing structures because they encroach onto an easement or over a building set-back line, event if the easement or building set-back line is excepted in the Policy.
22.	Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the land, even if the easement is excepted in the Policy.
23.	Your improvements or landscaping are damaged because of the exercise of a right to use the surface of the land for the extraction of minerals, water, or any other substance even if those rights are excepted in the Policy.
24.	Someone else tries to enforce a discriminatory covenant, condition, or restriction that they claim affects your title which is based upon race, color, religion, sex, marital status or national origin.
25.	Real estate taxes for construction or change in ownership occurring before the Policy Date that are assessed after the Policy Date.
26.	Your neighbor builds any structures after the Policy Date-other than boundary walls or fences-which encroach onto the land.
27.	Your title is unmarketable, which allows someone else to refuse to purchase, lease, or make a mortgage loan on the land.
28.	A document upon which your title is based is invalid because it was not properly signed, sealed, acknowledged, delivered or recorded.
29.	The specified residence is not located on the land at the Policy Date.

Note: Your insurance is limited by the Policy Amount, exceptions, exclusions and conditions contained in the Policy. Covered Risks 14, 15, 16 and 18 are limited by a deductible amount and maximum dollar liability limit. Some coverages may not be available in your area, or for your transaction, due to legal, regulatory or underwriting considerations. Please contact your First American Title of Island County representative for further information.