Florida Broker Practice Exam

Which type of deed provides the most comprehensive protection for the grantee?

1. Quitclaim deed

2. Bargain and sale deed

3. Special warranty deed

4. General warranty deed

The correct answer is: General warranty deed

A general warranty deed provides the most comprehensive protection for the grantee because it guarantees that the grantor holds clear title to the property and has the right to convey it. This type of deed goes beyond simply transferring ownership; it also includes numerous covenants and warranties that protect the grantee against various potential issues. The key covenants typically found in a general warranty deed include the covenant of seisin, which assures the grantee that the grantor actually owns the property; the covenant against encumbrances, which guarantees there are no hidden liens or claims against the property; and the covenant of quiet enjoyment, which ensures that the grantee can use the property without disturbance from claims by others. Furthermore, the covenant of further assurance obligates the grantor to take any necessary steps to correct any title defects that may arise, thus offering an additional layer of security. This level of protection stands in stark contrast to other types of deeds. A quitclaim deed offers no warranties or guarantees, simply transferring whatever interest the grantor may have at the time. A bargain and sale deed provides some implied covenants but lacks the extensive protections associated with a general warranty deed. A special warranty deed offers limited protection, only guaranteeing that the grantor has not done anything to