Which statement best describes ALTA extended coverage compared to standard coverage?

• A. It covers fewer matters not of record.
• B. It covers matters not of record.
• C. It eliminates coverage for forgery.
• D. It excludes encumbrances.

Answer: (B)

ALTA extended coverage adds protections for risks that aren’t visible in public records. While standard coverage protects against title issues that appear in the public records, extended coverage goes further and covers matters not of record. That’s why the best description is that extended coverage covers matters not of record. The other options describe narrower or incorrect protections: extended coverage does not cover fewer off-record matters, it doesn’t automatically eliminate forgery protections, and it doesn’t exclude encumbrances—in fact, it can cover certain encumbrances that aren’t recorded.