What does the Comprehensive "100" Endorsement insure against?

The Comprehensive "100" Endorsement is designed to provide coverage against specific risks that are most pertinent to real estate transactions. This endorsement primarily focuses on issues related to the use of the property, ensuring that there are no violations of restrictive covenants and that property boundaries are properly defined through surveys.

This means that if a title insurance policy includes this endorsement, it would protect the insured from losses arising out of survey errors (such as encroachments or boundary disputes) and from violations of any restrictions placed on the property, whether by previous owners or local zoning laws. This endorsement is particularly relevant for buyers concerned about how the property can be used and any legal limitations that may apply.

The other choices represent different types of risks that may not fall under the specific coverage provided by the Comprehensive "100" Endorsement. For instance, while natural disasters are a concern for property owners, they are typically covered by property insurance rather than title insurance. Property title fraud, though a significant concern in title insurance, is specifically addressed by different endorsements and does not fall under this comprehensive endorsement. Lastly, liabilities of homeowners involve obligations that might arise from ownership, such as unpaid property taxes or homeowner association dues, which are also outside the scope of the "100"