This manual is for the use of Stewart Title Guaranty Company's (“Stewart” or “Underwriter”) Title
Insurance Policy Issuing Attorneys, Agents, and Offices. Any other use or reproduction of this
manual is prohibited.
All inquiries concerning the charges for title insurance and forms in this manual should be directed
to the following:
General Counsel
Stewart Title Guaranty Company
1980 Post Oak Blvd.
Houston, Texas 77056
All inquiries concerning the filing of this manual should be directed to the following:
Vice President, Regulatory Administrator
Stewart Title Guaranty Company
1980 Post Oak Blvd., Suite 710
Houston, Texas 77056
bburns@stewart.com
Last Updated: February 20, 2017
Effective:
Rate Filing #____________
Stewart Title Guaranty Company – Alaska (2/20/17) effective Page 2 of 17
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Page
I. .............................................................................................. 3
1.1 Applicability of Schedule .......................................................................................... 3
1.2 Definitions ................................................................................................................ 3
1.3 Computation of Rates .............................................................................................. 4
1.4 Short Term Rate ...................................................................................................... 4
1.5 Increased Liability – Outstanding Insurance .............................................................. 4
1.6 Minimum Charges .................................................................................................... 4
1.7 Additional Chain or Parcel Charges .......................................................................... 4
1.8 No Administration of Decedent’s Estate (Lack of Probate) ......................................... 5
1.9 Vacated Streets, Alleys, Easements, Rights-of-Way Covered with the Issuance of a
Policy ...................................................................................................................... 5
1.10 Charges for Services Not Scheduled Herein ............................................................. 5
1.11 Cancellation Charges ............................................................................................... 5
1.12 Guarantees .............................................................................................................. 5
1.13 Basic Title Insurance Rates ...................................................................................... 6
II. OWNER’S AND LOAN POLICIES
2.1 Owner’s Policies – Basic Charges ............................................................................ 7
2.2 Reissue of Owner’s Policy ........................................................................................ 7
2.3 Concurrent Owner’s Policies .................................................................................... 7
2.4 Loan Policies – Basic Charges ................................................................................. 7
2.5 Standard Coverage Loan Policy Concurrent with Extended Coverage Loan Policy .... 8
2.6 Additional Coverage with Standard Coverage Policy ................................................. 8
2.7 Reissue of Loan Policy ............................................................................................. 9
2.8 Deletion or Insurance Against Loss by Reason of Specific Exceptions in a Policy ....... 9
2.9 Mortgage Policy Insuring Extension, Modification, or Assignment of Insured
Mortgage ................................................................................................................. 9
2.10 ALTA Residential Limited Coverage Junior Loan Policy ............................................. 9
2.11 ALTA Short Residential Limited Coverage Junior Loan Policy with Addendum ........... 9
2.12 ALTA Residential Limited Coverage Mortgage Modification Policy ............................ 9
III. ENDORSEMENTS .......................................................................................................... 11
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PART I
GENERAL PROVISIONS
1. 1.1 Applicability of Schedule
This schedule of rates and charges is filed pursuant to AS 21.66.370 and contains the
rates and charges for all policies, binders, guarantees, and endorsements issued in the
State of Alaska.
This schedule shall be applicable in issuing commitments, owner’s policies, loan policies,
leasehold policies, guarantees, endorsements and other products and services described
herein. Unless otherwise noted, owner’s policies and guarantees shall be issued in an
amount at least equal to the full value of the estate or interest insured, without deduction
for encumbrances. Owner’s policies may be issued in an amount greater than the full value
of the estate insured to cover anticipated improvements. Loan policies shall generally be
issued in an amount equal to the amount of the insured loan.
1.2 Definitions
A. Standard Coverage Owner’s Policy and Standard Coverage Loan Policy
Standard Coverage Owner’s Policy and Standard Coverage Loan Policy shall mean
American Land Title Association Owner’s policies, and American Land Title Association
Loan Policies with the following exceptions in Schedule B:
1) Rights or claims of parties in possession not shown by the Public Records.
2) Easements, or claims of easement, not shown by the Public Records.
3) Encroachments, overlaps, boundary line disputes, or other matters which would be
disclosed by an accurate survey or inspection of the Land.
4) Any lien, or right to a lien, for services, labor, or material heretofore or hereafter
furnished, imposed by law and not shown by the Public Records.
5) Taxes or special assessments which are not shown as existing liens by the Public
Records.
6) (a) Unpatented mining claims;
(b) reservations or exceptions in patents or in Acts authorizing the issuance thereof;
(c) water rights, claims or title to water, whether or not the matters excepted under
(a), (b) or (c) are shown by the Public Records.
7) Rights of the state or federal government and/or public in and to any portion of the
land for right of way as established by federal statute RS 2477 (whether or not such
rights are shown by recordings of easements and/or maps in the Public Records by
the State of Alaska showing the general location of these rights of way).
B. Extended Coverage Owner’s Policy and Extended Coverage Loan Policy
Extended Coverage Owner’s Policy shall mean an American Land Title Association
Owner’s Policy, and Extended Coverage Loan Policy shall mean an American Land
Title Association Loan Policy.
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C. Homeowner’s Policy
Homeowner’s Policy shall mean the American Land Title Association Homeowner’s
Policy of Title Insurance.
1.3 Computation of Rates
A rate calculated under the terms of this manual which includes $0.01 - $0.99 of premium
may be rounded up or down to the next whole dollar.
1.4 Short Term Rate
The Short Term Rate is a reduction of 20% from the applicable fee for Owner’s policies
issued pursuant to Section 2.1 of this schedule when a prior policy has been issued within
24 months of the request for a new policy of title insurance.
The Short Term Rate shall not result in a lesser charge than the minimum policy charge
applicable.
1.5 Increased Liability – Outstanding Insurance
The amount of insurance provided for in an existing policy of title insurance may be
increased by endorsement at the Basic Title Insurance Rate applicable to the amount of
additional insurance requested.
1.6 Minimum Charges
Additional charges will be made when unusual conditions of title exist, when special risks
are insured against, or when special services are requested. In the event such charges are
made, agreement thereto will be obtained in writing in advance from the person or entity
obligated to pay all or any part of such charges and retained by the insurer subject to
Division of Insurance approval. In addition to the charges set forth herein a charge will be
made for travel and other related expenses incurred in preparing a preliminary report or
commitment with respect to property located in a recording district for which Stewart or its
agents do not maintain a title plant.
1.7 Additional Chain or Parcel Charges
The insurance rates referred to in this schedule contemplate a single chain of title or parcel
and where additional chains of title or parcels are included the following additional charges
are applicable:
A. Property vested in the same ownership but located in different tracts, grants,
subdivisions, government sections, swamp and overflow or tideland surveys within the
State are separate parcels and an additional charge of $200 for each separate parcel is
added to the Insurance Rate applicable, based upon the aggregate liability, except
where two such separate parcels within the same recording district abut to form one
holding in one ownership. This additional parcel charge or the cost to obtain the title
information applies even though several parcels may have been included within and
covered under a prior policy insuring one owner.
B. Property vested in different ownerships regardless of whether in the same or a different
tract, grant, subdivision, government section, swamp and overflow or tideland survey is
a separate chain of title and the appropriate Insurance Rate or the cost to obtain the
title information applies to each separate ownership or chain of title.
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C. Property divided by a recording district line is construed as non-contiguous and the
additional chain charge or the cost to obtain the title information is applied in such
cases.
1.8 No Administration of Decedent’s Estate (Lack of Probate)
In selected cases, Underwriter may agree to issue insurance even though there has been
no administration of a decedent’s estate. Such insurance must be based on adequate
proofs of heirship, indebtedness and related matters. If the policy is issued within six (6)
years of the decedent’s death, there shall be an additional charge of 200% of the basic
rate. If the policy is issued more than six (6) years but less than ten (10) years following the
decedent’s death, there shall be an additional charge of 100% of the basic rate. If the
policy is issued more than ten (10) years after the decedent’s death, there is no additional
charge.
1.9 Vacated Streets, Alleys, Easements, Rights-of-Way, Covered with the Issuance of a Policy
The vacated portion of a street or alley or an easement or right-of-way appurtenant to or
adjoining the land under search is considered as noncontiguous to the abutting parcel
unless it has been previously insured in the same ownership with the abutting parcel. The
minimum additional charge is $200.
1.10 Charges for Services Not Scheduled Herein
Title services of Underwriter may be requested which are not described in this schedule
and for which no charge is set forth. In such instances a charge will be made which, in the
opinion of Underwriter, appears to be consistent with the general pattern of pricing
provided herein and will be filed with the Division of Insurance subject to its approval as
provided in AS 21.66.370.
1.11 Cancellation Charges
After the issuance of a preliminary commitment to issue a policy, the preliminary
commitment shall have a 1-year effective date from date of billing. The cancellation charge
is $250 as set by the schedule, which charge may be fully credited to a subsequent order
on the same property within 12 months of the initial order and 50% credited to a
subsequent order on the same property after 12 but within 24 months of the initial charge.
If the order is reopened after the 24-month period, another charge shall be made for the
issuance of a preliminary commitment or title policy. In the event an order for a trustee’s
sale guarantee is cancelled prior to the recording of a notice of default on the subject
property, the fee for the guarantee shall be reduced to $250.
If a transaction is consummated in reliance upon a commitment issued by Stewart within
the 1 year effective date, but without requesting a policy of title insurance, the full charge
appropriate to the type of insurance normally issued on such transaction will apply.
1.12 Guarantees
The charge for Guarantees is 100% of the Basic Title Insurance rate, minimum $250.
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1.13 Basic Insurance Rate Schedule “A” for Title Insurance Statewide
Amount of
Insurance
Rate
Amount of
Insurance
Rate
Amount of
Insurance
Rate
$1,000.00
$250.00
$35,000.00
$292.00
$69,000.00
$458.00
$2,000.00
$250.00
$36,000.00
$298.00
$70,000.00
$462.00
$3,000.00
$250.00
$37,000.00
$304.00
$71,000.00
$466.00
$4,000.00
$250.00
$38,000.00
$310.00
$72,000.00
$470.00
$5,000.00
$250.00
$39,000.00
$316.00
$73,000.00
$474.00
$6,000.00
$250.00
$40,000.00
$322.00
$74,000.00
$478.00
$7,000.00
$250.00
$41,000.00
$328.00
$75,000.00
$482.00
$8,000.00
$250.00
$42,000.00
$334.00
$76,000.00
$486.00
$9,000.00
$250.00
$43,000.00
$340.00
$77,000.00
$490.00
$10,000.00
$250.00
$44,000.00
$346.00
$78,000.00
$494.00
$11,000.00
$250.00
$45,000.00
$352.00
$79,000.00
$498.00
$12,000.00
$250.00
$46,000.00
$358.00
$80,000.00
$502.00
$13,000.00
$250.00
$47,000.00
$364.00
$81,000.00
$506.00
$14,000.00
$250.00
$48,000.00
$370.00
$82,000.00
$510.00
$15,000.00
$250.00
$49,000.00
$376.00
$83,000.00
$514.00
$16,000.00
$250.00
$50,000.00
$382.00
$84,000.00
$518.00
$17,000.00
$250.00
$51,000.00
$386.00
$85,000.00
$522.00
$18,000.00
$250.00
$52,000.00
$390.00
$86,000.00
$526.00
$19,000.00
$250.00
$53,000.00
$394.00
$87,000.00
$530.00
$20,000.00
$250.00
$54,000.00
$398.00
$88,000.00
$534.00
$21,000.00
$250.00
$55,000.00
$402.00
$89,000.00
$538.00
$22,000.00
$250.00
$56,000.00
$406.00
$90,000.00
$542.00
$23,000.00
$250.00
$57,000.00
$410.00
$91,000.00
$546.00
$24,000.00
$250.00
$58,000.00
$414.00
$92,000.00
$550.00
$25,000.00
$250.00
$59,000.00
$418.00
$93,000.00
$554.00
$26,000.00
$250.00
$60,000.00
$422.00
$94,000.00
$558.00
$27,000.00
$250.00
$61,000.00
$426.00
$95,000.00
$562.00
$28,000.00
$250.00
$62,000.00
$430.00
$96,000.00
$566.00
$29,000.00
$256.00
$63,000.00
$434.00
$97,000.00
$570.00
$30,000.00
$262.00
$64,000.00
$438.00
$98,000.00
$574.00
$31,000.00
$268.00
$65,000.00
$442.00
$99,000.00
$578.00
$32,000.00
$274.00
$66,000.00
$446.00
$100,000.00
$582.00
$33,000.00
$280.00
$67,000.00
$450.00
$34,000.00
$286.00
$68,000.00
$454.00
For each $1,000 or fraction thereof above $100,000.00:
Liability
Premium
From
To
(per $1,000 of liability)
$100,001.00
$500,000.00, add
$3.00
$500,001.00
$750,000.00, add
$2.50
$750,001.00
$2,000,000.00, add
$2.00
$2,000,001.00
$5,000,000.00, add
$1.25
$5,000,001.00
Over, add
$1.20
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PART II
OWNER’S AND LOAN POLICIES
This part contains the rates and charges for all owner’s and loan policies.
2.1 Owner’s Policies – Basic Charges
A. Owner’s Standard Coverage Policy Form
100% of Basic Insurance Rate. Minimum $250
B. Owner’s Extended Coverage Policy Form
135% of Basic Insurance Rate. Minimum $250
C. Homeowner’s Policy Form
110% of Basic Insurance Rate. Minimum $250
2.2 Reissue of Owner’s Policy
The charge for an Owner’s Policy reissued, other than a sale, loan, lease, or exchange, is
25% of Basic Title Insurance Rate (minimum: $250; maximum: $500), based upon the
amount of existing insurance, plus additional charges for increased amount of insurance, if
any. The Short Term Rate is applicable to the increased amount of insurance. If Owner’s
Extended Coverage Policy is reissued, the charge is 35% of Basic Title Insurance Rate
(minimum: $250; maximum: $500). If the existing policy is a Standard Coverage Policy and
the reissue is Extended Coverage Policy, add 15% of Basic Title Insurance Rate, based
upon the full amount of insurance issued to the charge for reissue of a Standard Coverage
Policy. Reissue rate is available only when no transaction is involved. The Homeowner’s
Policy is not available in reissue situations.
2.3 Concurrent Owner’s Policies
Concurrent owners’ policies, insuring a grantor and grantee or lessor and lessee, may be
issued for 130% of the charge for the larger of such policies provided such policies are of
the same form.
2.4 Loan Policies – Basic Charges
A. Loan Policy (No Concurrent Owner’s)
1. Standard Coverage Loan Policy:
80% of Basic Title Insurance Rate. Minimum $250
2. Extended Coverage Loan Policy:
110% of Basic Title Insurance Rate. Minimum $250
B. Loan Policy (Concurrent with Owner’s Policy in excess of Loan Policy)
1. Standard Coverage Loan Policy:
Concurrent with Standard Coverage Owner’s Policy: $75 additional policy charge
2. Extended Coverage Loan Policy:
a) Concurrent with Standard Coverage Owner’s Policy or Homeowner’s Policy:
30% of Basic Title Insurance Rate, plus $75 additional policy charge. Minimum
$175
b) Concurrent with Extended Coverage Owner’s Policy:
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$75 additional policy charge
C. Loan Policy (Concurrent with Owner’s Policy, where Loan Policy exceeds Owner’s
Policy)
1. Standard Coverage Loan Policy:
Concurrent with Standard Coverage Owner’s Policy or Homeowner’s Policy. 80%
of Basic Title Insurance Rate for the amount of the loan policy in excess of the
Owner’s Insurance, plus $75 additional policy charge.
2. Extended Coverage Loan Policy:
a) Concurrent with Standard Coverage Owner’s Policy or Homeowner’s Policy:
30% of Basic Title Insurance Rate, up to amount of Owner’s Policy and excess
at 110% of Basic Title Insurance Rate, plus $75 additional policy charge.
Minimum: $175.
b) Concurrent with Extended Coverage Owner’s Policy:
110% of Basic Title Insurance Rate for the amount of the loan policy in excess
of the Owner’s Insurance, plus $75 additional policy charge.
2.5 Standard or Extended Coverage Loan Policy (or policies) Concurrent with Extended
Coverage Loan Policy
A Standard or extended Coverage Loan Policy (or policies), issued concurrently with an
Extended Coverage Loan Policy and without the issuance of any owner’s policy, is charged
for based upon the additional amount of insurance for such loan policy, plus an additional
charge of $75 per additional policy.
2.6 Additional Coverage with Standard Coverage Policy
Charges for additional insurance to an owner or lender for the deletion, by endorsement, of
one or more exceptions in Part I of Schedule “B” of Standard Coverage Policy are:
A. Any tax or assessment matter not disclosed of record 5% of Basic Title
Insurance Rate
B. Any facts, rights or claims not of record but which 5% of Basic Title
would be disclosed of record Insurance Rate
C. Any easements, claims of easement, or encumbrances 5% of Basic Title
not disclosed of record Insurance Rate
D. Any discrepancies, conflicts in boundary lines, 10% of Basic Title
shortages in area, encroachments, or other facts as Insurance Rate
disclosed by a current survey.
E. Any unpatented mining claims, reservations, or 5% of Basic Title
exceptions in patents, water rights or claims to water Insurance Rate
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2.7 Reissue of Loan Policy
The charge to reissue a loan policy where no transaction is involved is:
A. Standard Coverage Loan Policy
25% of Basic Title Insurance Rate based on unpaid balance. Minimum: $250;
Maximum: $500.
B. Extended Coverage Loan Policy
35% of Basic Title Insurance Rate based on unpaid balance. Minimum: $250;
Maximum: $500.
2.8 Deletion or Insurance Against Loss by Reason of Specific Exceptions in a Policy
The charge to an owner or lender for the deletion by endorsement of a specific exception
shall be a minimum charge of $50.
2.9 Mortgage Policy Insuring Extension, Modification, or Assignment of Insured Mortgage
Extensions, Modifications, or Assignments of an insured mortgage may be covered by
either an endorsement to an existing policy issued by Stewart or by a new policy at the
following charges, based upon the unpaid balance of the mortgage. Insurance in excess
thereof is charged at the rate applicable to such policy.
A. 20% of the Basic Title Insurance Rate, if the existing and the new policy are both
Standard Coverage policies, minimum $175.00.
B. 30% of the Basic Title Insurance Rate, if the existing and the new policy are both
Extended Coverage policies, minimum $175.00.
C. 50% of the Basic Title Insurance Rate, if the existing policy is a Standard Coverage
policy and the new policy is an Extended Coverage form, minimum $175.00.
Short Term Rate is not applicable.
2.10 ALTA Residential Limited Coverage Junior Loan Policy
This policy provides limited coverage on institutional loans where the borrower is seeking to
place a second loan against their property and only requires a limited search of the public
records. The ALTA JR 1 and the ALTA JR 2 (Future Advance) Endorsements may be used
with this policy.
The charge for this policy is $2.00 per thousand with a minimum charge of $35.00.
2.11 ALTA Short Form Residential Limited Coverage Junior Loan Policy with Addendum
This is an abbreviated short form version of the ALTA Residential Limited Coverage Junior
Loan Policy.
The charge for this policy is $2.00 per thousand with a minimum charge of $35.00.
2.12 ALTA Residential Limited Coverage Mortgage Modification Policy
The ALTA Residential Limited Coverage Mortgage Modification Policy may be issued in
connection with a modification of a mortgage by an institutional lender covering one-to-four
residential real property or condominiums. The charge for the ALTA Residential Limited
Coverage Mortgage Modification Policy shall be $150.00. The rate shall not include any
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charges for separate services, including abstracting or search services, or recording, that
are provided to institutional lenders.
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PART III
ENDORSEMENTS
AMERICAN LAND TITLE ASSOCIATION (ALTA) ENDORSEMENTS
ALTA
Series
CLTA
equiv
Description
Charge
3
Zoning – Unimproved Land
10%, Min $100, Max $1,000
3.1
123.2
Zoning – Completed Structure
10%, Min $100, Max $1,000
3.2
Zoning – Land Under Development
10%, Min $100, Max $1,000
4.1
Condominium
$0 at policy; $50 post policy
5.1
Planned Unit Development
$0 at policy; $50 post policy
6
111.5
Variable Rate Mortgage
$0 at policy; $50 post policy
6.2
Variable Rate Mortgage – Negative
Amortization
$0 at policy; $50 post policy
7
116.5
Manufactured Housing Unit
$0 at policy; $50 post policy
7.1
Manufactured Housing Unit – Conversion;
Loan
$0 at policy; $50 post policy
7.2
Manufactured Housing Unit – Conversion;
Owner’s
$0 at policy; $50 post policy
8.1
110.9
Environmental Protection Lien
$0 residential
8.2
Commercial Environmental Protection Lien
$100
9
100.2
Restrictions, Encroachments, Minerals –
Loan Policy
$0 at policy; $50 post policy
9.1
Covenants, Conditions and Restrictions –
Unimproved Land – Owner’s Policy
$100
9.2
Covenants, Conditions, and Restrictions –
Improved Land – Owner’s Policy
$100
9.3
Covenants, Conditions and Restrictions –
Loan Policy
$100
9.6
Private Rights – Loan Policy
$100
9.6.1
Private Rights – Current Assessments – Loan
Policy
$100
9.7
Restrictions, Encroachments, Minerals –
Land Under Development – Loan Policy
$100
9.8
Covenants, Conditions & Restrictions – Land
Under Development – Owner’s Policy
$100
9.9
Private Right(s) – Owner’s Policy
$100
9.10
Restrictions, Encroachments, Minerals –
Current Violations – Loan Policy
$100
10
Assignment
$0 w/in 6 months; $100 otherwise
10.1
Assignment and Date Down
$100
11
Mortgage Modification
20% of the premium based on the
unpaid balance plus additional for an
increase in liability; Min $175
11.1
Mortgage Modification with Subordination
20% of the premium based on the
unpaid balance plus additional for an
increase in liability; Min $175
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ALTA
Series
CLTA
equiv
Description
Charge
11.2
Mortgage Modification with Additional
Amount of Insurance
20% of the premium based on the
unpaid balance plus additional for an
increase in liability; Min $175
12
Aggregation – Loan Policy
$50
12.1
Aggregation – State Limits – Loan Policy
$50
13
Leasehold – Owner’s
$0
13.1
Leasehold – Loan
$0
14
Future Advance Priority (with or without
MML)
$0 at policy, $50 post policy
14.1
Future Advance Knowledge (with or without
MML)
$0 at policy, $50 post policy
14.2
Future Advance – Letter of Credit (with or
without MML)
$0 at policy, $50 post policy
14.3
Future Advance Reverse Mortgage( with or
without MML)
$0 at policy, $50 post policy
15
Non-imputation – Full Equity Transfer
5%; Min $100, Max $1,000
15.1
Non-imputation – Additional Insured
5%; Min $100, Max $1,000
15.2
Non-imputation – Partial Equity Transfer
5%; Min $100, Max $1,000
16
Mezzanine Financing
10%, Min $100, Max $2,500
17
Access and Entry
$50
17.1
Indirect Access and Entry
$50
17.2
Utility Access
Min $100, Max 10% depending
upon risk
18
Single Tax Parcel
$75
18.1
Multiple Tax Parcel
$75
18.2
Multiple Tax Parcel
$75
19
Contiguity – Multiple Parcels
Min $50, Max 5% depending upon
risk
19.1
116.4
Contiguity – Single Parcel
Min $50, Max 5% depending upon
risk
19.2
Contiguity – Specified Parcels
Min $50, Max 5%, depending upon
risk
20
First Loss – Multiple Parcel Transactions
5%, Min $250, Max $1,000
22
116.1
Location
$0
22.1
Location and Map
$0
23
Coinsurance – Single Policy
$0
23.1
Coinsurance – Multiple Policies
$0
24
Doing Business
$100
25
Same As Survey
$100
25.1
Same as Portion of Survey
$100
26
Subdivision
$100
28
103.1
Easement – Damage or Enforced Removal
$0 at policy; $50 post policy
28.1
Encroachments – Boundaries and
Easements
10%, Min $50, Max $500
28.2
Encroachments – Boundaries and
Easements – Described Improvements
10%, Min $50, Max $500
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ALTA
Series
CLTA
equiv
Description
Charge
28.3
Encroachments – Boundaries and
Easements – Described Improvements and
Land Under Development
10%, Min $50, Max $500
29
Interest Rate Swap Endorsement – Direct
Obligation
$250
29.1
Interest Rate Swap Endorsement –
Additional Interest
$250
29.2
Interest Rate Swap Endorsement – Direct
Obligation – Defined Amount
Charge the applicable rate based on
increased liability; Min $100
29.3
Interest Rate Swap Endorsement –
Additional Interest – Defined Amount
Charge the applicable rate based on
increased liability; Min $100
30
Shared Appreciation Mortgage
$50
30.1
Commercial Participation Interest
$150
31
Severable Improvements
5%, Min $250, Max $1,500
32
Construction Loan – Loss of Priority
10%, Min $100, Max $1,500
32.1
Construction Loan – Loss of Priority – Direct
Payment
10%, Min $100, Max $1,500
32.2
Construction Loan – Loss of Priority –
Insured’s Direct Payment
10%, Min $100, Max $1,500
33
Disbursement
$100
34
Identified Risk Coverage
$50
35
Minerals and Other Subsurface Substances
– Buildings
5%, Min $250, Max $1,000
35.1
Minerals and Other Subsurface Substances
– Improvements
5%, Min $250, Max $1,000
35.2
Minerals and Other Subsurface Substances
– Described Improvements
5%, Min $250, Max $1,000
35.3
Minerals and Other Subsurface Substances
– Land Under Development
5%, Min $250, Max $1,000
36
Energy Project – Leasehold/Easement –
Owner’s
5%, Min $250, Max $1,000
36.1
Energy Project – Leasehold/Easement –
Loan
5%, Min $250, Max $1,000
36.2
Energy Project – Leasehold – Owner’s
5%, Min $250, Max $1,000
36.3
Energy Project – Leasehold – Loan
5%, Min $250, Max $1,000
36.4
Energy Project – Covenants, Conditions and
Restrictions – Land Under Development –
Owner’s
5%, Min $250, Max $1,000
36.5
Energy Project – Covenants, Conditions and
Restrictions – Land Under Development –
Loan
5%, Min $250, Max $1,000
36.6
Energy Project - Encroachments
5%, Min $250, Max $1,000
36.7
Energy Project - Fee Estate - Owner's Policy
5%, Min $250, Max $1,000
36.8
Energy Project - Fee Estate - Loan Policy
5%, Min $250, Max $1,000
37
104.6
Assignment of Rents or Leases
$50
38
Mortgage Tax
$50
39
Policy Authentication
$0
Stewart Title Guaranty Company – Alaska (2/20/17) effective Page 14 of 17
Filing #
ALTA
Series
CLTA
equiv
Description
Charge
40
Tax Credit – Owner’s Policy
5%, Min $100, Max $1,000 plus
additional premium for increased
liability
40.1
Tax Credit – Defined Amount – Owner’s
Policy
5%, Min $100, Max $1,000 plus
additional premium for increased
liability
41
Water – Buildings
5%, Min $250, Max $1,000
41.1
Water – Improvements
5%, Min $250, Max $1,000
41.2
Water – Described Improvements
5%, Min $250, Max $1,000
41.3
Water – Land Under Development
5%, Min $250, Max $1,000
42
Commercial Lender Group
$100
43
Anti-Taint
$100
44
Insured Mortgage Recording – Loan
$100
45
Pari Passu Mortgage – Loan Policy
$100
46
Option
$100
ALTA Ltd Pre-Foreclosure Date-Down
Endorsement
$25
JR1
JR 1 Endorsement
$25
JR2
JR 2 (Future Advance) Endorsement
$25
Stewart Title Guaranty Company – Alaska (2/20/17) effective Page 15 of 17
Filing #
CALIFORNIA LAND TITLE ASSOCIATION (CLTA) ENDORSEMENTS
CLTA
#
ALTA
equiv
Description
Charge
100
Restrictions, Encroachments & Minerals
$0 at policy; $50 post policy
100.4
CC&R's, Violations
$250
100.5
CC&R's, Violations
$250
100.6
CC&R's, Including Future Violations -
Owner's
$250
100.7
CC&R's, Violations
$250
100.8
CC&R's, Violations
$250
100.12
CC&R's, Right of Reversion
$50
100.13
CC&R's, Assessment Liens - Loan Policy
$50
100.17
CC&R's, Proper Modification
$50
100.18
CC&R's, Right of Reversion
$50
100.19
CC&R's, Violations
$50
100.20
CC&R's, Violations
$50
100.21
CC&R's, Plans and Specifications
$50
100.27
CC&R's, Violations
$50
100.28
CC&R's, Violation-Future Improvements
5%, Min $250, Max $1,000
100.29
Minerals, Surface Damage
5%, Min $50, Max $1,000
102.4
Foundation
$50 residential; 10% commercial,
Min $250, Max $1,500
102.5
Foundation
$50 residential; 10% commercial,
Min $250, Max $1,500
102.6
Foundation, Portion of Premises
$50 residential; 10% commercial,
Min $250, Max $1,500
102.7
Foundation, Portion of Premises
$50 residential; 10% commercial,
Min $250, Max $1,500
103.3
Easement, Existing Encroachment, Enforced
Removal
10%, Min $250, Max $1,500
103.4
Easement, Access to Public Street
$50
103.5
Water Rights, Surface Damage
10%, Min $250, Max $1,500
103.6
Encroachments, None Exist
10%, Min $250, Max $1,500
103.7
Land Abuts Street
$50
103.9
Encroachment, Future Improvements
10%, Min $250, Max $1,500
103.10
Surface Use, Horizontal Subdivision
10%, Min $250, Max $1,500
104.1
Assignment of Mortgage
$0 w/in 6 months; $100 otherwise
104.4
Collateral Assignment of Mortgage
$0 w/in 6 months; $100 otherwise
104.7
Assignment of Rents/Leases
$50
104.8
Assignment of Mortgage
$100
104.10
Assignment of Mortgage
$0 w/in 6 months; $100 otherwise
104.11
Collateral Assignment of Mortgage
$0 w/in 6 months; $100 otherwise
105
Multiple Mortgages in One Policy
$0 at policy; $50 post policy
105.1
Multiple Mortgages in One Policy
$0 at policy; $50 post policy
107.1
Allocation of Liability of Parcels
$50
107.2
Amount of Insurance, Increase
Applicable rate for increased
liability
107.5
Leasehold Improvement
$100–10% depending upon risk;
underwriter approval required
Stewart Title Guaranty Company – Alaska (2/20/17) effective Page 16 of 17
Filing #
CLTA
#
ALTA
equiv
Description
Charge
107.9
Additional Insured
$100
107.10
Additional Insured
$0 at policy; $50 post policy
107.11
Non Merger After Lender Acquires Title
10%, Min $250, Max $1,500
108
Additional Advance
50% based on amount of
advance; Min $175
108.7
Additional Advance
50% based on amount of
advance; Min $175
108.8
Additional Advance
50% based on amount of
advance; Min $175
108.10
Revolving Credit Loan, Increase
50% based on amount of
advance; Min $175
110.1
Deletion of Item from Policy
10%, Min $25, Max $1,500
110.3
Minerals, Conveyance of Surface Rights
5%, Min $250, Max $1,000
110.4
Modification of Mortgage
20% of the premium based on the
unpaid balance plus additional for
increase in liability; Min $175
110.5
Modification of Mortgage
20% of the premium based on the
unpaid balance plus additional for
increase in liability; Min $175; if
issued simult with 108.7 and/or
108.8, no charge
110.5A
Modification and Extension Agreement
20% of the premium based on the
unpaid balance plus additional for
increase in liability; Min $175
110.6
Modification of Mortgage
20% of the premium based on the
unpaid balance plus additional for
increase in liability; Min $175; if
issued simult with 108.7 and/or
108.8, no charge
110.7
Insurance Against Enforceability of Item
$0 at policy; $50 post policy
111
Mortgage Priority, Partial Reconveyance
$100
111.2
Mortgage Priority, Subordination
$0 at policy; $50 post policy
111.3
Mortgage Priority, Encroachment, Address
20% based upon unpaid loan
balance; Min $100
111.4
Mortgage Impairment After Conveyance
$50
111.7
Variable Rate, Renewal
$0 at policy; $50 post policy
111.9
Variable Rate, FNMA 7 Year Balloon
$0 at policy; $50 post policy
111.10
Revolving Credit Loan, Optional Advance
$0 at policy; $50 post policy
111.11
Revolving Credit Loan, Obligatory Advance
$0 at policy; $50 post policy
114
Coinsurance
$0 at policy; $50 post policy
114.1
Coinsurance, Joint and Several Liability
$0 at policy; $50 post policy
114.2
Coinsurance, Joint and Several Liability
$0 at policy; $50 post policy
116
Designation of Improvements, Address
$0 at policy; $50 post policy
116.2
Designation of Improvements, Condo
$50
116.3
Legal Description - New Subdivision
10%; Min $50, Max $1,500
116.4
19.1
Contiguity, Single Parcel
Min $50, Max 5% depending
upon risk
Stewart Title Guaranty Company – Alaska (2/20/17) effective Page 17 of 17
Filing #
CLTA
#
ALTA
equiv
Description
Charge
116.7
Subdivision Map Act Compliance
$100
119
Validity of Lease in Schedule B
$50
122
Construction Lender Advance
10% based on amount of
advance, Min $250, Max $2,500
122.2
Construction Lender Advance
10%, Min $50, Max $500
124.1
Covenants are Binding
10%, Min $250, Max $1,500
124.2
Covenants in Lease are Binding
10%, Min $250, Max $1,500
124.3
Covenants in Lease are Binding
10%, Min $250, Max $1,500
STEWART TITLE GUARANTY COMPANY (STG) ENDORSEMENTS
Endorsement Name
Charge
Assumption of Mortgage
20% if issued alone; $100 when issued with owner’s policy
Date Down
$50 – $250 depending upon risk
Deletion of Arbitration
$50
Fairway 1
5%, min $100
Fairway 2
5%, min $100
Future Insurance
5%, min $100
Patent 1
$250
Spreading Agreement
30% based on unpaid balance, min $175
Guarantee Date Down (prefix E-1244)
No charge for first 2; subsequent are $75 each
Guarantee Date Down Federal Tax Lien
(prefix E-1245)
No charge for first 2; subsequent are $75 each
Amendatory Endorsement
$0 (required to be issued with US Policy)
General Endorsement
underwriter approval required depending upon risk
