Mechanic's liens on new homes
In Kansas, contractors and suppliers who aren't paid can file a lien against the property for a period after their work. On a new home, the closing typically collects lien waivers or affidavits from the builder before insuring without that exception.
Lot purchases and construction loans
Builders often close twice: once on the lot or construction loan, and again when the finished home sells. Each closing needs updated title, and construction draws may need date-down endorsements to keep the lender's coverage current.
Plats, HOAs and new subdivisions
New subdivisions bring recorded plats, covenants and new HOA declarations. They all show up as exceptions in the commitment and are worth reading before you buy.
Common questions
Do I need an owner's policy on a brand new home?
It's especially useful on new homes because of mechanic's lien risk from the build.
What is a lien waiver?
A signed statement from a contractor or supplier giving up lien rights for work that has been paid for.