What Are Title Exceptions?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
Title exceptions are matters the title policy does not insure against. They can include recorded documents, property-specific matters and standard exclusions from coverage.
Common Property-Specific Exceptions
- Easements
- CC&Rs
- Deeds of trust
- Mineral rights
- Leases
- Boundary matters
- Access agreements
- Maintenance agreements
- Tax assessments
- Recorded restrictions
- Other title documents
Some items must be cleared before closing. Others remain as exceptions after the buyer acquires the property.
Why Do Exceptions Matter?
An exception may affect:
- Building plans
- Access
- Fences
- Utilities
- Rental use
- Property maintenance
- Expansion
- ADU plans
- Shared driveways
- Future resale
Frequently Asked Questions
Can an exception be removed?
Possibly, depending on the document, facts and underwriting approval.
Does every exception create a serious problem?
No. Many are ordinary, but every buyer should understand the relevant effect.
Can an endorsement provide additional coverage?
In some circumstances. Availability and cost depend on the policy and title underwriter.
The exception's short description may not explain all rights and obligations. Request and review the recorded instrument.
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JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.
A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.