The extra insurance provided by an enhanced policy covers risks such as:  claims arising out of fraud, easements, if your forced to remove an existing violation of any covenants, an existing violation of a regulation or law affecting the land, you are forced to move any structures because they encroach on others land, your structures are damaged because of the exercise of a right to maintain or use any easement affecting the land, or your neighbor builds any structures  after the policy date which encroach on your land.   Perhaps the two most frequent claims are when a neighbor builds a structure encroaching your land or when your land is damaged by someone else using their easement.  Enhanced policies cost a little bit more than the standard policies, but the piece of mind it provides is well worth it.