Escrow & Title
A West Virginia buyer who uses a lender's title insurance policy but no owner's title policy has covered:
AThe buyer's interest in the property against all title defects
BOnly the lender's interest — the buyer has no coverage for title claims against their ownership interest✓ Correct
CBoth the buyer's and lender's interests under one policy
DFuture claims that may arise after closing only
Explanation
A lender's title policy protects only the lender's interest (the loan balance). Without a separate owner's title policy, the buyer has no title insurance protection for their equity or ownership interest.
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