Learn · Endorsement deep dive
The ALTA 9 Series
The ALTA 9 family gives back coverage for covenant violations, and in the loan forms, encroachments and minerals too.
The minute version
2021 forms vs. -06 forms
- 2021 v. 01.00 (08-01-2025), replacing the -06 versions: ALTA 9, 9.7 and 9.10, all loan forms.
- Still -06, not revised: ALTA 9.1, 9.2, 9.3, 9.6, 9.6.1, 9.8 and 9.9 (ALTA chart and policy-forms index).
Loan forms
- ALTA 9: covenant violations that divest, subordinate or extinguish the lien or impair it; violations at the Date of Policy; enforced removal for a recorded plat setback; recorded environmental-covenant violation notices; encroachments (Section 4); and damage to improvements from excepted easement maintenance or future mineral surface use. Most of this coverage applies only if Schedule B does not identify the matter.
- ALTA 9.10: the same as ALTA 9, except that the Section 3.a covenant coverage applies only to violations existing at the Date of Policy.
- ALTA 9.7: ALTA 9 extended to Future Improvements under identified Plans.
- ALTA 9.3-06: covenant coverage only. No encroachment or mineral coverage.
- ALTA 9.6-06 / 9.6.1-06: Private Rights, meaning options, rights of first refusal, prior-approval rights and private charges in an excepted covenant instrument. 9.6.1 limits charge priority to current assessments.
Owner's forms
- ALTA 9.1-06: unimproved land. Covenant violations and recorded environmental-covenant notices.
- ALTA 9.2-06: improved land. Adds enforced removal for setback violations.
- ALTA 9.8-06: land under development.
- ALTA 9.9-06: Private Rights for owners, with no private-charge or assessment coverage.
- None of the owner's 9-series forms covers encroachments. Use the ALTA 28 series for that.
Topic quiz
3 questions on The ALTA 9 Series
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DISCLAIMER: For informational and educational purposes only. Nothing here is legal advice, a title opinion, or a commitment to insure, and no attorney-client relationship is created. No one may rely on this content for any transaction or legal decision. Coverage is governed solely by the terms of an issued policy or commitment, and requirements vary by state and underwriter. Consult your own attorney and underwriter. Views are my own and not those of my employer. Title in a Minute is Shawn Tidwell's personal creation and is not affiliated with, endorsed by, or sponsored by Fidelity National Title Group or any of its companies.