Affirmative Coverages: Overview

Affirmative Coverage, also referred to as “insuring over” or “insuring around”, is a provision wherein a title insurer may add, extend or modify title insurance provisions or delete, diminish or qualify title exceptions to enhance title coverage provided by the policy.


This may be accomplished by any of the following:


1.  Providing Affirmative Language which may insure against loss or damage arising from the occurrence of a certain event

2.  The use of supplemental insuring provisions contained in endorsements

3.  By the deletion of some of the exclusions from coverage or exceptions contained in the policy