Paying extra for an enhanced policy is not always necessary and it generally runs about 20 percent more than the Standard, or Limited, title insurance policy but it covers a variety of title claims or defects. The most common scenario when a homebuyer should strongly consider an enhanced title insurance policy over a standard title insurance policy is in the case of new home construction. Note: Always speak with your title attorney or closing agent to determine what is the best path forward for your unique real estate transaction.