Unapproved alterations

Cover to repair or demolish any unknown unapproved alterations made to your strata unit by previous owners where your relevant council issues an order to do so.

Planning and zoning

Cover if you cannot use your strata unit as your home because it is not zoned for residential use and this was never disclosed to you prior to settlement.

Undisclosed special levy for your strata unit

Cover for unknown and outstanding special levy fees (for example, for unusual property maintenance) that were issued before you agreed to purchase the strata unit.

Errors on property searches and enquiries

Cover for loss caused by errors contained in certain public property searches carried out when you purchased your strata unit.

Adjustment of taxes and various land charges

Cover for unknown and outstanding rates, strata fees, charges and land tax owed by the previous owner and not adjusted correctly by your conveyancing practitioner.

Fraud

Cover for fraud that might result in your land being sold to another owner or a fraudulent mortgage taken against your land.

No Excess

No excess on claims.

One-off Payment

One-off premium covers you for as long as you own the property - so no annual premiums to worry about.

Globally Backed

First Title is part of the international services division of the First American Financial Corporation.

When our policyholder lodged a development application with council, they discovered that the existing garage and carport were built without a permit.
Total cost of claim $100,000.

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After purchase, our policyholder became responsible for a 36 year old sewerage and building works defect. We accepted the claim and covered the rectification costs: $75,000

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2 years after purchasing their property, our policyholder received a notice from council advising that the granny flat and double carport were constructed without approval

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After settling their property, our policyholder in QLD was made aware that their backyard shed never received final building approval. Council issued a notice to rectify. Total cost of claim $30,000.

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4 years after purchasing, our policyholder received a notice from council stating two large verandas and a shed were illegal. Total cost of claim $48,000.

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Our policyholder obtained a survey and discovered a wall had been built on to their property without their knowledge. Total cost of claim $18,000.

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Our policyholder undertook a survey in preparation to subdivide their property. The survey revealed several encroachments on 3 sides of the property.
Total cost of claim $51,000.

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Our policyholder undertook a survey in preparation to renovate the property. The survey revealed that both fence lines were not on the true boundaries.
Total cost of claim $12,000.

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Don’t just take our word for it

“My First Title coverage paid for itself, and then some, within the first several weeks of settlement. Some bills associated with the property were not paid by the previous owner, which slipped through the cracks when solicitors did their due diligence. It would have cost me over $2,000 but everything was covered by First Title in a timely manner. I highly recommend them.”

Helen, Narooma, NSW

Don’t just take our word for it

“First Title assisted us every step of the way and made sure the financial stress of fixing our boundary issues was kept to an absolute minimum!”

Tim and Linda, WA

Don’t just take our word for it

“More than 5 years after purchasing our first home we were informed by our local council of 4 illegal builds/structures on our property. If it wasn’t for our Title Insurance Policy we would have never been able to afford the repairs to our home and most likely have to demolish a large portion of it. First Title supported and guided us through every step of our claim, making a quite overwhelming situation a lot easier. Thank you First Title.”

Ashleigh Clarkson, VIC