White Paper

33 Pages
  • 33 Pages

The Real Estate Title Policy


ALTA Extended Coverage vs. Standard Coverage - the language of standard policy exceptions may vary.

Title insurance is often characterized as providing either standard coverage or extended coverage. Standard coverage refers to the policy that insures against basic risks, including defects that are ascertainable from the public records, and risks of forgery, competency and capacity. Extended coverage refers to the policy that insures, in addition, against defects not ascertainable from the records, and that extend to rights or claims of parties in possession, unfiled mechanics’ and materialmen’s liens, and matters that would be disclosed by a complete and accurate survey. An extended coverage policy in its simplest form is one that does not contain any of the standard policy exceptions. However, not all of the standard exceptions will necessarily be removed. Each exception expresses a distinctly separate risk, criteria for the deletion which the title insurer will
provide and which must be separately analyzed. In the event that the criteria are timely supplied, the title insurer may agree to remove the exception. This white paper reviews standard policy and survey exceptions, underwriting standards, and alternative policy forms development.



Duane H. Wunsch

Duane H. Wunsch

Fidelity National Title Group, Inc.

  • Vice president and state counsel for Fidelity National Title Group, Inc.’s Wisconsin office
  • 30 years of experience as in-house underwriting and claims counsel
  • Frequent lecturer to both attorney and non-attorney customer groups
  • Regularly conducts training sessions for title and escrow staff
  • J.D. degree, Emory University; B.A. degree, University of Wisconsin-Madison
  • Can be contacted at 262-796-3852 or [email protected]

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