{"id":406,"date":"2025-09-16T06:11:54","date_gmt":"2025-09-16T06:11:54","guid":{"rendered":"https:\/\/cloud04.titletapsites.com\/harpethescrow\/?page_id=15668"},"modified":"2026-11-06T02:57:25","modified_gmt":"2026-11-06T02:57:25","slug":"eagle-owners-enhanced-policy-vs-alta-owners-policy","status":"publish","type":"page","link":"https:\/\/cloud.titletapsites.com\/harpethescrow\/guides\/eagle-owners-enhanced-policy-vs-alta-owners-policy\/","title":{"rendered":"Eagle Owner&#8217;s Enhanced Policy vs Alta Owners Policy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;TT &#8211; Home &#8211; Hero Slider&#8221; module_class=&#8221;tt-home-hero&#8221; _builder_version=&#8221;4.24.2&#8243; background_image=&#8221;http:\/\/cloud04.titletapsites.com\/newdesign2\/wp-content\/uploads\/sites\/4\/2018\/02\/Contact_161226862_xl-70.jpg&#8221; background_enable_image=&#8221;off&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; global_module=&#8221;516&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider admin_label=&#8221;TT &#8211; Home &#8211; Hero Slider&#8221; module_class=&#8221;tt-inner-half&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h1&#8243; animation_style=&#8221;zoom&#8221; animation_duration=&#8221;1500ms&#8221; header_font_size_tablet=&#8221;40&#8243; header_font_size_phone=&#8221;32&#8243; header_font_size_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][et_pb_slide heading=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@&#8221; use_bg_overlay=&#8221;on&#8221; bg_overlay_color=&#8221;rgba(0,0,0,0.55)&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.24.2&#8243; 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custom_margin=&#8221;-10%|||&#8221; custom_padding=&#8221;0px||70px||false|false&#8221; custom_padding_tablet=&#8221;||54px||false|false&#8221; custom_padding_phone=&#8221;&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px|&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; animation_direction=&#8221;bottom&#8221; custom_css_main_element=&#8221;z-index: 99998;&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_blur=&#8221;35px&#8221; box_shadow_spread=&#8221;10px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;54px|50px|54px|50px|true|true&#8221; custom_padding_tablet=&#8221;54px|30px|54px|30px|true|true&#8221; custom_padding_phone=&#8221;54px|15px||15px|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;TT &#8211; Header&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||30px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 class=\"tt-section-subheader\">Eagle Owner&#8217;s Enhanced Policy vs Alta Owners Policy<\/h2>\n<hr class=\"tt-homepage-hr\" style=\"float: left;\" \/>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]We understand that your home is possibly the largest financial investment you will make, but the investment is not just financial. Buying a home is also an investment in the future for you and your family. That is why we issue the First American Eagle Owner\u2019s Title Insurance Policy. This Owner\u2019s Policy provides more than safeguards for the title to your property\u2014it provides you with peace of mind by taking the risk out of acquiring title to your property. The First American Eagle Owner\u2019s Policy provides expanded title coverage for owners of one-to-four family residences, including condominiums. Coverages included in the Eagle Owner\u2019s Policy offer the highest levels of protection available to homeowners.<\/p>\n<h3>Benefits you receive with the Eagle Owner\u2019s Policy<\/h3>\n<ul>\n<li><strong>Post-Policy Forgery<\/strong><\/li>\n<li><strong>Post-Policy Encroachments<\/strong><\/li>\n<li><strong>Post-Policy Adverse Possession<\/strong><br \/>\n    &#8211; Coverage extended to homeowner when someone claims to have the insured\u2019s title arising out of someone else\u2019s continued use and occupancy<\/li>\n<li><strong>Post-Policy Easement by Prescription<\/strong><br \/>\n    &#8211; Coverage if another claims right to use a part of the insured\u2019s land as an easement because of continuous use over time<\/li>\n<li><strong>Building Permit and Zoning Violation<\/strong><br \/>\n    &#8211; Coverage for losses up to $25,000, after a small deductible, for building permit violations and forced remediation of zoning violations, and up to the full policy amount for forced removal of structures due to zoning violations<\/li>\n<li><strong>Expanded Access<\/strong><br \/>\n    &#8211; Expanded to include both vehicular and pedestrian access to and from land, based upon legal right<\/li>\n<li><strong>Encroachment of Improvements Onto Easements and Set-Backs<\/strong><\/li>\n<li><strong>Subdivision Violation<\/strong><br \/>\n    &#8211; Homeowners are covered up to $10,000, after a small deductible, for protection against subdivision violations prior to purchase<\/li>\n<li><strong>Restrictive Covenant Violations<\/strong><br \/>\n    &#8211; Coverage provided for violations of restrictive covenants occuring before homeowner acquired land if the homeowner is forced to correct or remove the violation or if the homeowner\u2019s title is lost or taken because of the violation <\/li>\n<li><strong>Structural Damage for Mineral Abstraction or Easement Use<\/strong><\/li>\n<li><strong>Encroachment of Boundary Walls and Fences<\/strong><br \/>\n    &#8211; Protection of up to $5,000, after a small deductible, for encroachments onto a neighbor\u2019s land, onto an easement, or over a building set-back line<\/li>\n<\/ul>\n<p>As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there&nbsp;are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some&nbsp;coverage may not be available in a particular area or transaction due to legal, regulatory, or underwriting considerations. Please&nbsp;contact a First American representative for further information. The services described above are typical basic services. The services provided to you may be different due to the specifics of your transaction or the location of the real property involved.<\/p>\n<h3>Eagle Owner\u2019s Policy vs. Standard ALT A Policy<\/h3>\n<div style=\"overflow-x:auto;\">\n<table id=\"alta-eagle-table\">\n<thead>\n<tr>\n<th><\/th>\n<th>Protection From:<\/th>\n<th>Standard Alta<\/th>\n<th>EAGLE<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"altrow\">\n<td>1<\/td>\n<td>Someone else owns an interest in your title<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>2<\/td>\n<td>A document is not properly signed<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>3<\/td>\n<td>Forgery, fraud, duress in the chain of title<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>4<\/td>\n<td>Defective recording of any document<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>5<\/td>\n<td>There are restrictive covenants<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>6<\/td>\n<td>There is a lien on your title because there is:<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr class=\"row\">\n<td><\/td>\n<td>a) a deed of trust<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td><\/td>\n<td>b) a judgment, tax, or special assessment<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td><\/td>\n<td>c) a charge by a homeowners\u2019 association<\/td>\n<td>X<\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>7<\/td>\n<td>Title is unmarketable<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>8<\/td>\n<td>Mechanics lien<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>9<\/td>\n<td>Forced removal of a structure because it:<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td><\/td>\n<td>a) extends on another property and\/or easement<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td><\/td>\n<td>b) violates a restriction in Schedule B<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td><\/td>\n<td>c) violates an existing zoning law*<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>10<\/td>\n<td>Cannot use the land for a Single-Family Residence because the use violates a restriction in Schedule B or a zoning ordinance<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>11<\/td>\n<td>Unrecorded lien by a homeowners\u2019 association<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>12<\/td>\n<td>Unrecorded easements<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>13<\/td>\n<td>Building permit violations*<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>14<\/td>\n<td>Restrictive covenant violations<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>15<\/td>\n<td>Post-policy forgery<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>16<\/td>\n<td>Post-policy encroachment<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>17<\/td>\n<td>Post-policy damage from extraction of minerals or water<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>18<\/td>\n<td>Lack of vehicular and pedestrian access<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>19<\/td>\n<td>Map not consistent with legal description<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>20<\/td>\n<td>Post-policy adverse possession<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>21<\/td>\n<td>Post-policy prescriptive easement<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>22<\/td>\n<td>Covenant violation resulting in your title reverting to a previous owner<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>23<\/td>\n<td>Violation of building setback regulations<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>24<\/td>\n<td>Discriminatory covenants<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"thead\">\n<td><\/td>\n<td>Other Benefits<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>25<\/td>\n<td>Pays rent for substitute land or facilities<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>26<\/td>\n<td>Rights under unrecorded leases<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>27<\/td>\n<td>Plain language statements of policy coverage and restrictions<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>28<\/td>\n<td>Subdivision law violation<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>29<\/td>\n<td>Coverage for boundary wall or fence encroachment*<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>30<\/td>\n<td>Added ownership coverage leads to enhanced marketability<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>31<\/td>\n<td>Insurance coverage for a lifetime<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"row\">\n<td>32<\/td>\n<td>Post-policy inflation coverage with automatic increase in value up to 150% over five years<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<tr class=\"altrow\">\n<td>33<\/td>\n<td>Post-policy Living Trust coverage<\/td>\n<td><\/td>\n<td>X<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><em>*Deductible and maximum limits apply.<br \/>\nCoverage may vary based on an individual policy.<\/em>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||70px||false|false&#8221; custom_padding_tablet=&#8221;||54px||false|false&#8221; custom_padding_phone=&#8221;||54px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_module=&#8221;487&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; admin_label=&#8221;CTA Section&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;tt-footer-overlapping-row tt-row-center&#8221; _builder_version=&#8221;4.24.2&#8243; background_enable_image=&#8221;off&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;tt-footer-overlapping-column-1&#8243; _builder_version=&#8221;4.24.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;z-index: 99998;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;TT &#8211; Footer &#8211; Order&#8221; module_class=&#8221;tt-footer-overlaping-section&#8221; _builder_version=&#8221;4.24.2&#8243; 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Buying a home is also an investment in the future for you and your family. That is why we issue the First American Eagle Owner\u2019s Title [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":124,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-406","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Eagle Owner&#039;s Enhanced Policy vs Alta Owners Policy - Hendersonville, TN Title Company | Harpeth Escrow, LLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cloud.titletapsites.com\/harpethescrow\/guides\/eagle-owners-enhanced-policy-vs-alta-owners-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Eagle Owner&#039;s Enhanced Policy vs Alta Owners Policy - Hendersonville, TN Title Company | Harpeth Escrow, LLC\" \/>\n<meta property=\"og:description\" content=\"Eagle Owner&#039;s Enhanced Policy vs Alta Owners Policy We understand that your home is possibly the largest financial investment you will make, but the investment is not just financial. 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