Enhanced title insurance....

[IOBA]

Is it worth it to get the enhanced title insurance??  No one has asked me if I want it, but it was on the HUD-1 form.  I am thinking the "enhance" part is not necessary.  

Yes to title insurance and no to enhanced title insurance?

[StartingOver10]

I have never heard of enhanced title insurace. I have heard of an owners policy and lenders policy and required endorsements to the title insurance. But I have no clue what enhanced title insurace is, so check with the title co that is using that terminology to see what they are referencing.

EDIT:  I just googled it

This is a chart I found for "enhanced title insurance" - LEFT IS DESCRIPTION, MIDDLE COLUMN IS STANDARD ALTA POLICY AND ENANCED ON THE RIGHT.

False impersonation of the true owner of the property	Yes	Yes
Forged deeds, releases or wills	Yes	Yes
Instruments executed under invalid or expired power of attorney	Yes	Yes
Mistakes in recording legal documents	Yes	Yes
Misinterpretation of wills	Yes	Yes
Deeds by minors	Yes	Yes
Deeds by persons supposedly single, but in fact married	Yes	Yes
Liens for unpaid estate, inheritance, income or gift taxes	Yes	Yes
Fraud	Yes	Yes
Post Policy Forgery Protection	No	Yes
Enhanced Access Coverage	No	Yes
Building Permit Violations	No	Yes
Subdivision Map Act Coverage	No	Yes
Restrictive Covenant Violations	No	Yes
Mineral Extraction Coverage	No	Yes
Map Inconsistencies Coverage	No	Yes
Coverage Extended to Living Trusts	No	Yes
Enhanced Encroachment Coverage	No	Yes
Automatic Inflation Protection (up to 125%)	No	Yes

[frugalQ]

i had no idea that there was an enhanced version.  we were not offered an enhanced option when we closed.  it was just labled as title insurance.

[ezdriver]

In my many years experience in the industry,  this is the first time I've heard of this. My conclusion is that it's the equivalent to the "supersize" option at McDonald's.  I would not waste money on this option. 

[StartingOver10]

Agree with EZ unless it is a nominal fee (<$25). Find out about the living trust thing though - ask your own attorney if possible. Do you hold your properties in a trust or in your personal name?