Sometimes a lender will require additional coverages not included in the standard lender policy and will order "endorsements" that provide additional coverage.  The price for these endorsements is filed with the Division of Insurance and may be a flat fee or a percentage of the basic title insurance premium, depending upon the risk involved in issuing the coverage.  As with most costs with the loan, this is considered a cost for the borrower.  Some of the more common endorsements you may see on your commitment include:

• Form 100 provides comprehensive coverage for the lender insuring against violation of covenants, encroachments of the main dwelling, and the priority of the loan being affected by association liens.
• Form 100.29 insures against damage to the existing improvements resulting from a previous owner exercising their right to remove minerals from the surface.
• Form 115.1 insures that association liens will not affect the priority of the loan and assures compliance in dealing with the right of first refusal.
• Form 8.1 insures that no environmental liens have been filed with either the County Clerk and Recorder or with the U.S. District Court.