Which protects against easements and encroachments?

The comprehensive endorsement is designed to provide additional coverage that goes beyond what is included in a standard title insurance policy. Specifically, it protects against potential issues related to easements and encroachments, which can significantly affect the use and value of the property. An easement allows someone else the right to use a portion of the property for a specific purpose (such as a utility company accessing power lines), which may not always be clearly defined in public records. Encroachments involve situations where a structure or improvement extends onto a neighboring property, which may lead to disputes.

By obtaining a comprehensive endorsement, policyholders gain peace of mind by having coverage for these specific risks, which might not be included in the basic policy. In contrast, a standard policy typically covers basic title defects but does not generally protect against easements and encroachments. A title abstract refers to a summary of the title history of a property and does not provide coverage. An exclusion clause outlines specific exceptions within a policy but does not offer any protection against the discussed risks. Therefore, the correct answer reflects the comprehensive endorsement's role in safeguarding against these potential title issues.