Escrow & Title

What is an 'endorsement' to a title insurance policy and when might one be needed in Nevada?

AAn endorsement is a recommendation from a prior owner
BAn endorsement is an addition to a title insurance policy that modifies or expands coverage for a specific issue — common Nevada endorsements include ALTA 3.1 (zoning), ALTA 9 (CC&Rs), ALTA 22 (location), and ALTA 25 (same as survey)✓ Correct
CAn endorsement is a signature added to a deed after recording
DEndorsements reduce the premium cost of Nevada title insurance

Explanation

Title insurance endorsements modify or expand standard policy coverage for specific issues. In Nevada commercial transactions, lenders commonly require endorsements like: ALTA 3.1 (confirms zoning compliance), ALTA 9 (protects against CC&R violations), ALTA 22 (confirms improvements are on the insured parcel), and ALTA 17 (access). Residential buyers may obtain endorsements for manufactured homes, specific survey issues, or CC&R compliance. Endorsements typically cost additional premium.

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