Escrow & Title
In Minnesota, which of the following would NOT be insured under a standard owner's title insurance policy?
AA forged signature in the chain of title
BAn encroachment by the subject property onto an adjacent lot
CPhysical damage to the home caused by a storm after closing✓ Correct
DAn undisclosed heir claiming ownership
Explanation
A standard owner's title insurance policy covers title defects and encumbrances (forgery, undisclosed heirs, encroachments by the subject property, missing heirs). It does NOT cover physical damage to the property—that is the function of homeowners insurance. Post-closing physical damage is always a homeowners insurance matter.
Related Minnesota Escrow & Title Questions
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