Why Choose the Homeowner's Plus Policy?

More Coverage, More Peace of Mind

Our homeowner's policy offers 12 extended coverages to accommodate your specific needs.

From building permit and restrictive covenant violations, to living trust and zoning coverage, the homeowner's policy protects against common, frustrating problems that can plague today's homeowner. Many of the coverages and protections available through our homeowner's policy, such as post policy encroachment and adverse ownership, ensure Stewart will pursue corrective action or provide additional compensation. Also, the policy protects your investment for as long as you own the property. 

Building Permit Violation Coverage

Covers up to $25,000 after a deductible equal to the lesser of 1% of the policy amount or $5,000. This coverage applies if the policyholder has to remove an existing structure built by a previous owner who did not obtain the required permits. 

Enhanced Access Coverage

Covers actual pedestrian and vehicular access. 

Living Trust Coverage

Extends policy protection beyond the probate to include trustees. 

Subdivision Map Act Coverage

Pays up to $10,000 after a deductible equal to the lesser of 1% of the policy amount or $2,500. This coverage applies if the policyholder cannot close a sale, secure a loan or obtain a building permit because the land was improperly subdivided prior to purchase. 

Supplemental Taxes

Protects against supplemental taxes for construction, change of use or change of ownership. 

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. The only exception to this coverage would be loss relating to maintenance or repair on the land or due to environmental protection issues. 

Post-policy Coverage

Protects against possible post-policy ownership claims, which may decrease property value. 

Zoning Coverage

Protects if the policyholder is forced to remove or remedy an improvement because it violates zoning laws. Protection for forced remedy of violations is subject to a deductible and a maximum dollar amount. 

Location Coverage

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

Automatic Coverage Increases

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

Coverage for Structural Damage From Extraction of Minerals, Water and Other Substances

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

Encroachment Coverage

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