Exclusions: the same for every policy
Printed in the policy form: things like government regulations and zoning, problems you create or agree to, and matters you knew about but didn't disclose.
Exceptions: specific to your property
- Utility and drainage easements
- Recorded subdivision plats and setback lines
- Restrictive covenants and HOA declarations
- Oil, gas and mineral rights that were separated from the surface
- Standard survey exceptions when no survey is provided
Can an exception be removed?
Sometimes. A survey can remove standard survey exceptions, a release can remove an old mortgage, and some risks can be covered by an endorsement.
Common questions
What does 'title exceptions' mean in a title policy?
Specific items the policy won't insure against, listed in Schedule B.
Can a house be sold without a clear title?
It can sometimes be sold subject to known issues, but most buyers and lenders require them cleared or insured.