Investment property: 타이틀 보험 어디까지 구매해야 할까요? (기본만/기본+옵션)

안녕하세요, 드디어 제 인생 첫 investment property 의 클로징이 다가오고 있습니다. (걱정 때문에 잠이 잘 안옵니다 ㅜㅜ)

 

오늘은 타이틀 컴퍼니에서 title insurance 를 어디까지 구매할건지 물어보는데요,

 

일단 기본 커버리지는 구매할 예정입니다. 다음과 같은 항목들이 포함된다고 하구요.

 

기본 커버리지

*  Someone else owns an interest in your title

*  Improperly executed documents

*  Pre-policy forgery, fraud, and duress

*  Defective recording of any document

*  Undisclosed restrictive covenants

*  A lien on your title because of a security deed, judgment, tax or special assessment, or a charge by a homeowner’s association

*  Unmarketable title

*  Mechanics’ liens

*  Forced removal of a structure which encroaches onto your neighbor’s land

*  Forced removal of a structure which encroaches onto an easement or over a building setback line

*  Forced removal of structure which violates existing zoning law*

 

문제는 옵션을 추가할까 말까입니다. 비용은 약 $1000 추가라고 하구요. 

 

쭉.. 읽어보니 생각보다 크리티컬한 내용들은 아닌 것 같고... 왠지 자동차 사면서 워런티 구매하는 것 같아서 이건 그냥 뺄까... 생각하고 있거든요.

 

어떻게 생각하세요?

 

 

추가 구매 가능한 커버리지 (약 $1000 추가)

*  Forced removal of structure because of a violation of a restriction in Schedule B

*  Inability to use land for single-family dwelling because of a violation of a zoning ordinance or restriction in Schedule B

*  Pays rent for substitute land or facilities

*  Rights under unrecorded leases

*  Plain language

*  Unrecorded easements

*  Building permit violations*

*  Compliance with Subdivision Map Act, if any*

*  Restrictive covenant violations

*  Map, if any, not consistent with legal description

*  Covenant violation resulting in reversion

*  Enhanced marketability

*  Violations of building setbacks

*  Discriminatory covenants

*  Access – actual vehicular and pedestrian access based on a legal right

*  Boundary walls and fence encroachment*

*  Post-policy forgery

*  Post-policy encroachment

*  Post-policy damage from minerals or water extraction

*  Post-policy Living Trust coverage for trustee

*  Post-policy Living Trust coverage for beneficiary

*  Post-policy automatic increase in value

*  Post-policy adverse possession

*  Post-policy cloud on title

*  Post-policy prescriptive easement

*  Insurance coverage forever