Which type of easement involves insurable interest for title insurance purposes?

An appurtenant easement is a type of easement that is tied to the ownership of a parcel of land, granting the holder the right to use a portion of a neighboring property for a specific purpose, such as accessing a road or utility lines. This easement is considered to be closely linked to the land itself, meaning it benefits the property rather than an individual.

For title insurance purposes, insurable interest is crucial, as it protects the rights associated with ownership and use of the easement. Since appurtenant easements are closely associated with the property, they can be insured in relation to the title of the dominant tenement (the property benefiting from the easement). This ensures that the title insurance policy covers any potential issues that may arise concerning the easement, providing security and assurance to the property owner.

Other types of easements, such as easements in gross, do not automatically attach to the land and may not carry the same insurable interest because they are personal rights given to individuals rather than benefiting a specific piece of property. Similarly, prescriptive and negative easements have different legal attributes and implications that may complicate their insurability under standard title insurance policies.