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In Illinois, which deed provides the greatest protection to the buyer?

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Question & Answer

Review the question and all answer choices

A

Quitclaim deed

Quitclaim deed provides the least protection as it only transfers whatever interest the grantor currently has, with no warranties against title defects. It's essentially a 'as-is' transfer without any guarantees about the property's title history.

B

Bargain and sale deed

Bargain and sale deed offers only limited protection, typically only covenant against the grantor's own acts, not against defects from previous owners or historical title issues.

C

General warranty deed

Correct Answer
D

Special warranty deed

Special warranty deed provides more protection than bargain and sale but less than general warranty, as it only warrants against defects that occurred during the grantor's ownership period, not before.

Why is this correct?

A general warranty deed provides the greatest protection because it includes six covenants that protect against title defects from any time period, including those arising before the grantor owned the property. This comprehensive warranty covers the entire history of the title, offering the buyer maximum protection.

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