Wendi:

Hold your position on the E&O company- they will try to increase your premium for any number of un-founded reasons- For instance, they say your premium is based on your income- so why does the premium go up when you might have experienced a 50% reduction in income- be sure to question them on that- they just have to reduce it if they hold to their rules.

Then as to this "sub-prime" clause- when doing a title search there is never any indication that a trust or mortgage is "sub prime" we just are not privy to that information-( there are a number of reasons for a reduced interest rate- none of which we would know about the particulars-just might be a "buy down"- we would never know the details anyway) maybe the broker, lender or settlement company would be , but not the title examiner or abstractor. Just let the E&O company know that "sub prime" information ,as far as doing the title, is outside the bounds of your knowledge or need to provide a complete and accurate title examination and is not part of the information provided to do so- it is NOT needed or required or EVER provided and that any such clause included with your policy will be stricken and null & void and should be done by the company so as to be sure it is NOT part of the policy 

Just let them now YOUR position and don't let them dictate "Your payment increases or amendments to the policy"
 

Steve Meinecke