Anyone who has purchased a home is familiar with the CLTA (California Land Title Association) owner's title insurance policy.  It is the standard policy issued by title companies for residential property of one to four units.  The CLTA policy is generally paid for by the seller, to insure the title for the buyer, against any defects of record. However, the CLTA  will not insure against anything which is not of record, including incorrect placement of fences or other encroachments and unrecorded easements.

        Fortunately, title companies now offer other forms of title insurance, which provide greater coverage.  The extent of coverage, for each, is discussed hereinbelow.