The ALTA extended coverage policy protects against which of the following?

The ALTA extended coverage policy is designed to provide a broader range of protections than a standard title insurance policy. It primarily addresses issues that could affect ownership of the property that may not be discovered through a standard title search or public records review.

One of the significant protections offered under the ALTA extended coverage policy is against zoning changes. This coverage is critical because zoning laws can affect how a property can be used, and changes in zoning can impact its value and marketability. If an area around a property undergoes a zoning change that alters its usage or diminishes its value, the extended coverage policy can provide protection to the insured party.

While the other options—unrecorded liens, title defects, and survey issues—are important considerations in real estate transactions, they fall within the scope of the protections typically offered by a standard title insurance policy or may not be covered by the ALTA extended policy in the way zoning changes are. For instance, unrecorded liens may not be fully protected under this policy, as liens that are not disclosed might still pose a risk. Overall, understanding the specific coverage provided by the ALTA extended policy is essential for those involved in real estate transactions, particularly with respect to potential zoning changes.