Your Liberty Title Agency title insurance
policy protects you against such
potential defects as:
Forged deeds, mortgages, satisfactions or releases.
Deed by person who is insane or mentally incompetent.
Deed by minor (may be disavowed).
Deed from corporation, unauthorized under corporate bylaws or given under falsified corporate resolution.
Deed from partnership, unauthorized under partnership agreement.
Deed from purported trustee, unauthorized under trust agreeement.
Deed to or from a "corporation" before incorporation, or after loss of corporate charter.
Deed from a legal nonentity (styled, for example, as a church, charity or club).
Deed by person in a foreign country, vulnerable to challenge as incompetent, unauthorized or defective under foreign laws.
Claims resulting from use of "alias" or fictitious namestyle by a predecessor in title.
Deed challenged as being given under fraud, undue influence or duress.
Deed following nonjudicial foreclosure, where required procedure was not followed.
Deed affecting land in judicial proceedings (bankruptcy, receivership, probate, conservatorship, dissolution of marriage), unauthorized by court.
Deed following judicial proceedings, subject to appeal or further court order.
Deed following judicial proceedings, where all necessary parties were not joined.
Lack of jurisdiction over persons or property in judicial proceedings.
Deed signed by mistake (grantor did not know what was signed).
Deed executed under falsified power of attorney.
Deed executed under expired power of attorney (death, disability or insanity of principal).
Deed apparently valid, but actually delivered after death of grantor or grantee, or without consent of grantor.
Deed affecting property purported to be separate property of grantor, which is in fact community or jointly owned property.
Undisclosed divorce of one who conveys as sole heir of a deceased former spouse.
Deed affecting property of deceased person, not joining all heirs.
Deed following administration of estate of missing person, who later reappears.
Conveyance by heir or survivor of a joint estate, who murdered the decendent.
Conveyances and proceedings affecting rights of service member protected by the Soldiers and sailors Civil Relief Act.
Conveyance void as in violation of public policy (payment of gambling debt, payment for contract to commit murder, or conveyance made in restraint of trade).
Deed to land including "wetlands" subject to public trust (vesting title in government to protect public interest in navigation, commerce, fishing and recreation).
Deed from government entity, vulnerable to challenge as unauthorized or unlawful.
Ineffective release of prior satisfied mortgage due to acquistion of note by bona fide purchaser (without notice of satisfaction).
Ineffective release of prior satisfied mortgage due to bankruptcy of creditor prior to recording of release (avoiding powers of bankruptcy).
Ineffective release of prior mortgage or lien, as fraudulently obtained by predecessor in title.
Disputed release of prior mortgage or lien, as given under mistake or misunderstanding.
Ineffective subordination agreement, causing junior interest to be reinstated to priority.
Deed recorded, but not properly indexed so as to be locatable in the land records.
Undisclosed but recorded federal or state tax lien.
Undisclosed but recorded judgment or spousal/child support lien.
Undisclosed but recorded prior mortgage.
Undisclosed but recorded notice of pending lawsuit affecting land.
Undisclosed but recorded enviromental lien.
Undisclosed but recorded option, or right of first refusal, to purchase property.
Undisclosed but recorded covenants or restrictions, with (or without) rights of reverter.