What are the 49 Endorsements?
- These title insurance endorsements allow new and existing homeowners to add coverage that offers post-policy protection against forgery of a deed or mortgage.
- With this coverage, title insurers will cover potential legal costs to correct the public record if forged deeds or mortgages are recorded against a homeowner’s property.
- This provides homeowners with the reliability of a regulated insurance product to protect themselves and their most important investment.
Featured Resources
ALTA Meetings
Las Vegas Bootcamp | Aug. 10
Learn how to position the ALTA 49 and 49.1 Endorsements as powerful fraud protection tools and confidently communicate their value to today’s consumers. Register Now.
ALTA Meetings
Philadelphia | Aug. 12
Join sales strategist Dr. Cindy McGovern for practical marketing tools, proven sales strategies, and consumer-friendly messaging to help grow adoption of the ALTA 49 and 49.1 Endorsements. Register Now
ALTA Meetings
Atlanta | Aug. 14
Discover how to turn fraud protection conversations into stronger client relationships, increased trust, and new business opportunities. Register Now
Resources & Tools
Why You Should Get the ALTA 49 Endorsement
Use this flyer to explain the ALTA 49 and ALTA 49.1 Endorsements in clear, consumer-friendly language. It helps title agents show how these endorsements add protection against seller impersonation, forged deeds and forged mortgages. ALTA members can custoize this file with their company logo and contact information in ALTAPrints.
6 Talking Points for Title Agents on the ALTA 49 Endorsements
Use these talking points to help title agents explain how ALTA 49 Endorsements protect homeowners from future deed or mortgage forgery. The guide offers simple messaging to address consumer concerns, explain the value of coverage and support informed conversations about this growing fraud risk. ALTA members can custoize this file with their company logo and contact information in ALTAPrints.
ALTA 49 Endorsement – Forgery – New Owner’s Policy
The ALTA 49 Endorsement provides post-policy coverage for forgery of deeds and mortgages for homeowners who are purchasing an ALTA Owner’s Policy, useful when the ALTA Homeowner’s Policy is unavailable.
ALTA 49.1 Endorsement – Forgery – Existing Residential Owner’s Title Policy
The ALTA 49.1 Endorsement offers future coverage for forgery of deeds and mortgages for homeowners that previously purchased an ALTA Owner’s Policy.
News
Recent 2026 2025 2024 2023 2022
New Resource: Become the Fraud Expert Clients Trust
Seller impersonation, deed fraud and forgery continue to create serious risks for homeowners, and you are often on the front lines of helping consumers understand how to protect their property rights. A new page on ALTA.org provides resources to help you explain the value of the ALTA 49 and 49.1 Endorsements, which provide title insurance-backed protection against certain losses caused by deed fraud, forgery and seller impersonation. Find the new resource here.
Let ALTA Help You Build Your Talent Pipeline
Discover how ALTA’s Internship Launchpad can help your company attract, train and retain the next generation of title professionals. This webinar will walk members through the customizable tools and ready-to-use resources available in the Launchpad, including onboarding guides, evaluation templates and branded materials. Watch this Data Trace-sponsored ALTA Insights webinar and learn how to build a structured, impactful internship program with less guesswork and more confidence, whether you’re starting from scratch or enhancing an existing program.
What Your E&O Policy Doesn’t Cover May Matter Most
As fraud risks, cyber threats and operational complexity evolve, title agencies should take a detailed look at their Errors & Omissions insurance coverage. Too often, agency owners focus on premium comparisons while overlooking other factors that can become critically important when a claim arises, according to Title Industry Assurance Company (TIAC) Program Manager Casey Withers. TIAC is an ALTA Elite provider and offers ALTA members access to both E&O insurance coverage and required Surety Bonds through a single, trusted source.
ALTA Releases New Resources to Help Members Discuss 49 Endorsements and Fraud Protection
As awareness of seller impersonation fraud and deed theft continues to grow, ALTA has released two new resources designed to help members educate employees and consumers about the benefits of the ALTA 49 and 49.1 Endorsements. The resources may be branded and customized for use by ALTA members. Read on.
AI is Moving Fast. Get Ready at ALTA ONE
ALTA ONE
Oct. 12-15 | Scottsdale, Ariz.
This year, one of the biggest conversations on the ALTA ONE stage will be impossible to ignore: AI. Sponsored by FNF Family of Companies, opening Omni Session speaker Sol Rashidi will help you cut through the noise and focus on what matters. Register by July 18 and save $200 with our Summer Savings Rate! Register Today