Zwiren Title Agency, Inc - ZTA Blog #Featured EndorsementZwiren Title Agency, Inc - ZTA Blog #Featured Endorsementhttps://www.zwirentitle.com/blogs/tag/featured-endorsementFri, 03 Apr 2026 10:20:54 -0700http://zoho.com/sites/<![CDATA[Featured Endorsement: ALTA 15-06 ]]>https://www.zwirentitle.com/blogs/post/ALTA-15-06This endorsement only available for a new owner's policy in favor of the current title vestee entity where 100% of the equity Interest is the vestee entity is being purchased and is most commonly used in commercial transactions.]]>

ALTA 15-06 
​Non-Imputation Full Equity Transfer

This endorsement only available for a new owner's policy in favor of the current title vestee entity where 100% of the equity Interest is the vestee entity is being purchased and is most commonly used in commercial transactions.

 

The endorsement provides a partial waiver of Exclusions 3(a), (b), and 3(e) with regard to loss or damage that would otherwise be excluded on account of the action, inaction or Knowledge of certain specified persons in connection with the entity that is vested in Title. It treats the person(s) acquiring the equity interest in the vestee entity as though they were bona-fide purchasers, even though there is no transfer of Title, and tells the acquiring person(s) that coverage will not be denied for a matter known to the equity sellers but not known to the acquiring persons.

 

If less than 100% equity is being purchased, the ALTA 15.1-06 endorsement should be used.

]]>Wed, 30 Apr 2025 17:32:00 -0400<![CDATA[Featured Endorsement: ALTA 19-06 & 19.1-06]]>https://www.zwirentitle.com/blogs/post/ALTA-19-06-and-19.1-06This endorsement is typically requested when the insured Land contains multiple parcels comprising one overall project or site. It provides coverage against loss if any parcels are not contiguous to each other along specified boundary...]]>

ALTA 19-06: Contiguity - Multiple Parcels
​&
​ALTA 19.1-06: Contiguity - Single Parcel

This endorsement is typically requested when the insured Land contains multiple parcels comprising one overall project or site. It provides coverage against loss if any parcels are not contiguous to each other along specified boundary lines because of any gaps, strips, or gores separating the Parcels. 


The 19.01-06 endorsement offers similar to the coverage to the 19-06; however, it is designed for those acquiring a parcel and want coverage that the land being acquired is contiguous to another parcel of land, which is not insured under the policy. This is typically requested when purchasing multiple lots at various times, with the goal of assembling one overall parcel for remapping and/or development. 


Additional research may be needed before a Title Agent agrees to issue either of these endorsements. 
]]>Fri, 29 Dec 2023 12:11:00 -0500<![CDATA[Featured Endorsement: ALTA 5-06 & 5.1-06]]>https://www.zwirentitle.com/blogs/post/ALTA-5-06-and-5.1-06This endorsement provides coverage against loss or damage resulting from certain risks related to planned unit developments.]]>

ALTA 5-06: Planned Unit Development (Assessment Priority) 
& 
​ALTA 5.1-06: Planned Unit Development (Current Assessments)

This endorsement provides coverage against loss or damage resulting from certain risks related to planned unit developments. They are identical in all respects with the exception of Section 2 of each endorsement. 

Section 2 

  • ALTA 5-06 provides coverage with respect to lack of priority of the lien of the insured mortgage over any lien for HOA charges and Assessments. 
  • By Contrast, the ALTA 5.1-06 does not, but rather provides coverage with respect to HOA charges or assessments due and unpaid at the date of the policy. 

These endorsements can be issued on improved or unimproved residential property. The ALTA 5-06 can only be applied to a loan policy, whereas the ALTA 5.1-06 can be issued on both an owner's and loan policy. 
]]>Fri, 03 Nov 2023 11:30:00 -0400<![CDATA[ALTA 25-06: Same as Survey & 25.1-06: Same as Portion of Survey]]>https://www.zwirentitle.com/blogs/post/ALTA-25-06-and-25.1-06These endorsements provide coverage against loss or damage due to the Land not being the same as that identified on a designated survey.]]>

Featured Endorsements

ALTA 25-06: Same as Survey 

This endorsement may be issued on owner's and loan policies for commercial or residential, improved or unimproved properties. These endorsements provide coverage against loss or damage due to the Land not being the same as that identified on a designated survey. The ALTA 25-06 is used when the survey describes only the land shown in Schedule A.  The survey must be dated within 90 days of closing. This endorsement does not insure the accuracy or completeness of the actual survey referenced in the endorsement.

   

25.1-06: Same as Portion of Survey

This endorsement may be issued on owner's and loan policies for commercial or residential, improved or unimproved properties. These endorsements provide coverage against loss or damage due to the Land not being the same as that identified on a designated survey. The ALTA 25.1-06 is used when the survey describes other property in addition to the land included in Schedule A. The survey must be dated within 90 days of closing. This endorsement does not insure the accuracy or completeness of the actual survey referenced in the endorsement.   

]]>Wed, 05 Jul 2023 17:12:00 -0400<![CDATA[ALTA 9.10-06: Restrictions, Encroachments, Minerals - Current Violations]]>https://www.zwirentitle.com/blogs/post/ALTA-9.10-06This Endorsement, when affixed to a Loan Policy, insures against loss or damage due to violations of Covenants; encroachments over building setback lines...]]>

ALTA 9.10-06: Restrictions, Encroachments, Minerals - Current Violations

This endorsement may be issued on loan policies for commercial or residential, improved properties. This Endorsement, when affixed to a Loan Policy, insures against loss or damage due to violations of Covenants; encroachments over building setback lines, boundary lines and easements; and damage by reason of mineral or other subsurface substance development. This endorsement only provides coverage for violations existing at the Date of Policy. 

For violations that exist at the Date of Policy and those that occur in the future, the ALTA 9-06 would need to be issued. 
]]>Fri, 28 Apr 2023 11:11:00 -0400<![CDATA[ALTA 37-06: Assignment of Rents or Leases]]>https://www.zwirentitle.com/blogs/post/ALTA-37-06This endorsement may be issued on loan policies for improved or unimproved properties whether commercial or residential. This Endorsement, when affixed to a loan Policy, provides insurance against loss or damage by reason]]>

ALTA 37-06: Assignment of Rents or Leases

This endorsement may be issued on loan policies for improved or unimproved properties whether commercial or residential. This Endorsement, when affixed to a loan Policy, provides insurance against loss or damage by reason of: 

(A) any defect in the execution of the Assignment of Rents or Leases Document or 

(B) any assignment of the lessor's interest in any lease or leases or any assignment of rents affecting the Title and recorded in the Public Records at

     Date of Policy other than as set forth in any instrument referred to in Schedule B. 


The charge for the issuance of this Endorsement shall be 5% of the applicable Underwriting Charge, with a minimum charge of $100.00
]]>Fri, 31 Mar 2023 12:19:00 -0400<![CDATA[ALTA 4.1-06: Condominium - Current Assessments ]]>https://www.zwirentitle.com/blogs/post/ALTA-4.1-06This endorsement provides coverage against loss or damage from certain condominium-related risks.]]>

ALTA 4.1-06: Condominium - Current Assessments

This endorsement provides coverage against loss or damage from certain condominium-related risks. It may be issued on both Owner's and Loan Policies for commercial or residential properties, but is much more common on residential properties. Additionally, this endorsement may only be issued on transactions involving completed units in one or more buildings, subject to a condominium regime. The endorsement provides coverage for any charges or assessments due and unpaid at the Date of Policy. 


The coverages provided by this endorsement may not be available in all states due to state laws prohibiting certain coverages; however, it is available in New Jersey. 
]]>Tue, 28 Feb 2023 13:07:00 -0500<![CDATA[ALTA 6-06: Variable Rate Mortgage]]>https://www.zwirentitle.com/blogs/post/alta-6-06This may only be issued on Loan Policies for commercial or residential properties and land that is improved or unimproved. It provides the lender with coverage against loss due to...]]>

ALTA 6-06: Variable Rate Mortgage

This may only be issued on Loan Policies for commercial or residential properties and land that is improved or unimproved. It provides the lender with coverage against loss due to invalidity or unenforceability  the lien of the Insured Mortgage resulting from changes in the rate of interest pursuant to the formula provided in either the loan documents secured by the Insured Mortgage or the Insured Mortgage itself. It also provides coverage against loss or damage due to loss of priority of the lien of the Insured Mortgage for the unpaid principal balance and interest charged thereon which might be cause by the provisions in the Insured Mortgage that allow for a variable interest rate. This endorsement does not provide coverage for loss or damage due to usury, consumer credit or truth in lending laws. 

]]>Tue, 28 Feb 2023 12:09:42 -0500<![CDATA[ALTA 28-06: Easement - Damage or Enforced Removal]]>https://www.zwirentitle.com/blogs/post/ALTA-28-06This endorsement is available for both owner's and loan policies. It is intended for use on improved commercial or residential property and is not applicable if the property is vacant. It provides coverage for damage to,]]>

Featured Endorsement

Easement - Damage or Enforced Removal

ALTA 28-06

 

This endorsement is available for both owner's and loan policies. It is intended for use on improved commercial or residential property and is not applicable if the property is vacant. It provides coverage for damage to, enforced removal or alteration of existing buildings, which is caused by the exercise of use or maintenance rights associated with specified easements. 



ALTA 28.1-06 and ALTA 28.2-06 provide similar coverage but are specific to boundary and easement encroachments. ALTA 28.3-06 provides similar coverage for future improvements to be built, according to specified Plans. 
]]>Mon, 19 Dec 2022 16:06:02 -0500<![CDATA[ALTA 17-06: Access and Entry & ALTA 17.1-06:Indirect Access and Entry]]>https://www.zwirentitle.com/blogs/post/ALTA-17-06-and-17.1-06Access and Entry: ALTA 17-06 provides coverage against loss or damage if the land does not abut ... Indirect Access and Entry: ALTA 18-06: This endorsement applies when the access to the street is via easement...]]>

Featured Endorsements

Access and Entry

ALTA 17-06

 

This endorsement provides coverage against loss or damage if: 

1) the land does not abut and have both actual vehicular and pedestrian access to and from a public street;

2) the public street is not physically open and publicly maintained; or

3) the Insured has no right to use the existing curb cuts or entries along the portion of the street that abuts the land. 

Indirect Access and Entry

ALTA 17.1-06

 

This endorsement's applies when the access to the street is via a separate access easement shown in the policy as an insured estate in Schedule A, and provides coverage against loss or damage if:

1) the land does not abut and have both actual vehicular and pedestrian access to and from a public street;

2) the public street is not physically open and publicly maintained; or

3) the Insured has no right to use the existing curb cuts or entries along the portion of the street that abuts the land. 


If there is no separate access easement and the Land directly abuts the street, then the ALTA 17-06 is the proper endorsement. 
]]>Fri, 30 Sep 2022 17:20:53 -0400