Which of the following is NOT covered by extended coverage title insurance?

Extended coverage title insurance is designed to cover a broader range of risks compared to standard title insurance policies, but there are still limitations to what it encompasses. One key exclusion from this type of insurance is changes due to zoning ordinances.

Zoning ordinances can change how a property can be used, impacting its value and the owner's ability to develop or modify the property in the future. Since zoning regulations are subject to government authority and can evolve over time, they are not covered by title insurance. This means that any changes in zoning that occur after the issuance of the policy, or any existing zoning restrictions that were in place prior, would not be protected under the coverage provided.

Understanding the limitations of title insurance is crucial for property buyers and investors, as it highlights the need for due diligence in checking local zoning laws and regulations prior to purchasing a property. Other items like government restrictions, liens, and errors in public records tend to have some level of coverage under extended policies, making zoning changes a notable exception.