Good luck fighting with the E&O company.  They are insurance all the same and we all know who insurance co. treat us little people.  They will just come back with - it's your responsiblility to find out, ask someone to clarify what it will be used for, sometimes the title company will know eventually but I can't say for sure that we always know upfront.  I suppose we should based on the order or the lender that orders it.  Anyway, as I learned in my Insurance Law class (only took 1 quarter so I am not an expert or attorney), insurance companies look for any and every way to get out of the coverage they claim to provide.  Make sure what ever you end up agreeing on is in writing on the policy itself and not a letter.  Make it an endorsement or have them mark up the policy itself. 

Clanci