Under the ALTA 2006 form policy, which of these is NOT an exclusion from coverage?

The ALTA 2006 form policy outlines various exclusions from coverage that title insurance will not protect against. One of the critical components of this policy is understanding the nature of these exclusions.

The correct answer identifies "No rights of access to and from the land" as a non-exclusion. This provision is vital because the ALTA 2006 policy typically includes coverage for rights of access as a fundamental aspect of property ownership. Access rights significantly impact the value and usability of a property, making them a core consideration in title insurance. The absence of access rights could mean that the property is landlocked or otherwise difficult to access, which is a significant issue that title insurance would need to cover.

In contrast, the other options reflect common exclusions found within the ALTA 2006 policy. The right to eminent domain means that the government can take private property for public use, typically with compensation, and is not something for which a title policy provides coverage. Similarly, governmental police power encompasses regulations and restrictions imposed by government authorities that impact property use or value, thus also being excluded. Liens assumed by the insured reflect obligations taken on by the new property owner, which title insurance typically does not cover since it relates to the insured's decisions after acquiring the property