Escrow & Title
Which of the following would NOT be covered by a standard Connecticut owner's title insurance policy?
AForged signatures in the chain of title
BUndisclosed heirs making claims on the property
CZoning violations created by the buyer after closing✓ Correct
DRecording errors in prior deeds
Explanation
Owner's title insurance covers defects that existed before or on the policy date. Zoning violations or conditions created by the owner after closing are not title defects and are not covered.
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Key Terms to Know
Title Insurance
Insurance protecting against financial loss from defects in a property's title that existed before closing but were unknown at the time of purchase.
Chain of TitleThe sequential record of all transfers of ownership for a piece of property from the original patent holder to the present owner.
DeedA written legal instrument used to transfer ownership of real property from one party (grantor) to another (grantee).
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
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