What does an owner's title policy protect?

An owner's title policy is specifically designed to protect the property owner from potential defects in the title to their property. This means that if there are any claims or issues related to the legal ownership of the property that were not known at the time of purchase, the title policy will provide coverage. This can include problems such as undetected liens, chances of fraud, or other claims made by other parties asserting ownership rights.

This type of insurance ensures that the property owner has legal ownership and can enjoy their property without worrying about unexpected legal challenges to their title. Therefore, the correct answer highlights the primary function of an owner's title policy, which is to safeguard against these title defects. Other options may address different concerns related to property ownership but do not pertain to the title insurance's primary role.