Escrow & Title
A NH buyer who does not purchase an owner's title insurance policy assumes the risk of:
APhysical damage to the property
BTitle defects existing before their purchase that could challenge their ownership✓ Correct
CFuture zoning changes
DMortgage default
Explanation
Without an owner's title insurance policy, the buyer bears the financial risk of any title defects (forged deeds, undisclosed liens, errors in public records) that may surface after closing and challenge their ownership.
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