Elena is a Connecticut licensee helping her client, first-time buyer James, understand the deed he will receive at closing. The seller's attorney has prepared a deed that includes the covenant of seisin, covenant of quiet enjoyment, covenant against encumbrances, covenant of warranty, and covenant of further assurance. Elena should explain to James that he is receiving which type of deed?

Correct Answer

D) General warranty deed

The five covenants listed — seisin, quiet enjoyment, against encumbrances, warranty, and further assurance — are the classic covenants of a general warranty deed. When all five covenants are present and unlimited in scope (not restricted to the grantor's period of ownership), the deed is a general warranty deed. This is the strongest and most protective deed form available to James, as it warrants title against all claims from any source, past or present.