General Warranty Deed Explained
A general warranty deed is the “gold standard” of real estate conveyances. It provides the buyer with the broadest protection by including several covenants of title that bind the grantor and their heirs.
Covenants of Title
In most jurisdictions, a general warranty deed includes the following promises:
- Seisin: The grantor owns the estate they are conveying.
- Right to Convey: The grantor has the authority to transfer the property.
- Against Encumbrances: The property is free from undisclosed liens and encumbrances.
- Warranty and Quiet Enjoyment: The grantee will not be disturbed by someone asserting superior title.
- Further Assurances: The grantor will perform whatever acts are necessary to perfect the title.
Why Choose a General Warranty Deed?
Because it offers maximum protection, lenders and buyers typically require a general warranty deed in standard transactions. Even with a general warranty deed, it is wise to obtain title insurance to guard against hidden defects.
Official source links
- CFPB Homeownership Guidance
Mortgage, closing, and ownership fundamentals from a federal consumer regulator.
- HUD Homebuying Topics
Federal guidance on buying, financing, and avoiding common purchase mistakes.
- USA.gov State Government Directory
Direct path to official state and local government websites.