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
저라면 안하겠습니다. 이미 기본 폴리시에 많은 부분을 커버하고 있구요. 추가 커버리지에 포함되는 lien 은 크게 걱정안하셔도 될거 같습니다.
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