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부동산

Real Estate Law 81

2019.05.15 16:03 Views : 97

Check Your Understanding Answers

  1. Explain why title insurance is unlike other forms of insurance.

    Title insurance is unlike most forms of insurance because it protects against past events and is paid with a one-time premium.
     
  2. Who typically pays for the homeowner’s title insurance at closing?

    In southern California it’s more common for the seller to pay the premium; however, the buyer usually pays in northern California. The cost can also be divided between the seller and buyer.

    However, buyers usually pay for lender title insurance policies.
     
  3. What is the difference between CLTA and ALTA policies?

    CLTA is the basic standard policy and ALTA provides extended coverage. ALTA includes a survey and ALTA-R does not.
     
  4. What items are not covered by any title insurance policy? 
    • Defects known to the insured but not disclosed to the title insurer
    • Government zoning regulations
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