Escrow & Title
What is 'affirmative title insurance coverage' in Illinois?
AA policy that affirmatively identifies who owns the property
BSpecific endorsements or coverages that affirmatively insure certain conditions (access, zoning, survey matters) rather than merely insuring against undiscovered defects✓ Correct
CTitle insurance for properties that have received affirmative action financing
DA policy confirming the property has passed all Illinois government inspections
Explanation
Affirmative title insurance coverage refers to specific endorsements that go beyond standard title insurance by affirmatively insuring that a specific condition is as represented. For example, an affirmative zoning endorsement insures that the property's current use conforms to existing zoning. This differs from standard title insurance, which only insures against undiscovered past title defects. Affirmative endorsements are commonly required by commercial buyers and lenders.
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