Vanguard Title Shield
Offering you more coverage and protection
Vanguard Shield Advantages
Savings
The Vanguard Title Shield provides the buyer a 25% savings on the loan policy premium. An example of savings on a $500,000 home is $390.
Additional Insurance Protection
We issue the Enhanced Owner’s policy which gives after-closing coverage protecting the purchaser’s biggest asset.
Simplified Closing Experience
When we are closing both the buyer and the seller side of the transaction, our clients are afforded a simplified closing experience.
Gap Protection
The Vanguard Shield protects during the Gap, which is the time period between when your documents are signed and the time it is recorded in the public record.
Vanguard ePay
A digital platform that allows home buyers the ability to securely send funds for Earnest Money Deposits right on our website.
Financial Security
Our company provides the use of CertifID, a technology solution to securely exchange wire information and provides a guarantee for transaction funds up to $1,000,000.
Data Privacy
Our IT and Data Protection Servicer protect our client’s private information by utilizing the latest in technologies including ongoing security analysis, virus protection, spam filtering, ransomware prevention and content filtering.
Cyber Protection
We employ email software which encrypts data sent over the Internet to ensure that eavesdroppers and hackers are unable to see what you transmit.
The Vanguard Title Shield offers the ultimate solution for closing real estate transactions, delivering enhanced benefits and additional security protections throughout the entire process.
Coverage Comparison of
Standard Owner’s Title Policy vs.
Enhanced Homeowner’s Title Policy
Standard
Policy of Title Insurance
Vanguard Shield Policy of Title Insurance
Someone else owns an interest in the title to your land
YES
YES
(includes post-policy occurrence)
Someone else has a right affecting your title because of a lease, contract, option or easement
YES
YES
(includes post-policy occurrence)
Any existing defect, lien, or encumbrance on the title not disclosed in the policy
YES
YES
Someone else refuses to perform a contract to purchase, lease or make a mortgage on the land because a matter exists that prevents delivery of marketable title
YES
YES
You have no right of access to and from the land
YES
YES
Someone else claims to have a right affecting your title because of forgery or impersonation
YES
YES
(includes post-policy occurrence)
Conveyance documents are not properly executed, notarized, and recorded including remote online notarization and validity of electronic signatures
YES
YES
You are forced to remove all or any portion of your existing structures because they encroach onto your neighbor’s land
NO
YES+
Someone else refuses to perform a contract to purchase, lease or make a mortgage loan on the Land because your neighbor’s existing structures encroach onto the land
NO
YES
You are forced to remove all or any portion of your existing structures that encroach onto an easement or over a building set-back line
NO
YES
Your existing structures are damaged because of the exercise of the right to maintain or use any easement affecting your title
NO
YES
You do not have actual vehicular and pedestrian access to and from your land
NO
YES
The residence with the address shown in Schedule A of the Policy is not located on the land at the policy date
NO
YES
The map, if any, attached to the policy does not show the correct location of the land according to the public records
NO
YES
Your existing or future improvements including lawns, shrubbery, or trees, are damaged because of future use of the surface of the land for the extraction or development of oil, gas, minerals, groundwater, or any other subsurface substance
NO
YES
(includes post-policy occurrence)
Your title is lost or you are forced to remove or remedy an existing violation, of any covenant, condition, restriction or limitation
NO
YES
There is an existing violation of subdivision laws that: (i) results in an inability to obtain a building permit, or (ii) requires a correction or removal of the violation, or (iii) results in the refusal of someone to perform a contract to buy, lease or make a mortgage loan
NO
YES++
You are ordered by a State or Municipal authority to remove or remedy any portion of your existing structures, other than boundary walls or fences, because any portion was built without a building permit
NO
YES++
You are ordered by a State or Municipal authority to remove or remedy any portion of your existing structures because they violate an existing zoning law or regulation
NO
YES++
Use of the land as a single-family residence violates an existing State or Municipal zoning law or zoning regulation
NO
YES
Automatic increased coverage up to a total of 150 percent of Policy Amount over 5 years
NO
YES
Your neighbor builds any structures after the date of your policy, excluding boundary walls or fences, that encroach onto your land
NO
YES
(includes post-policy occurrence)
Rental of a substitute residence and moving expenses if you cannot use the land because of a claim covered by the policy
NO
YES
Coverage Comparison of Standard Owner’s Title Policy vs. Enhanced Homeowner’s Title Policy
To qualify for The Vanguard Shield advantages, Vanguard Title must handle both of the parties involved in the closing.
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