Which of the following is NOT a benefit of title insurance?

The correct answer, which identifies coverage for physical damage to the home as not a benefit of title insurance, is accurate because title insurance primarily focuses on the protection of ownership rights and the validity of the title itself. Title insurance secures the policyholder against financial losses stemming from defects in title, such as liens, encumbrances, or other issues that might affect ownership.

While benefits such as protection against title defects, financial protection against ownership disputes, and payment for legal fees associated with title claims are all within the scope of title insurance coverage, protection for physical damage to the property—such as damage from weather events, accidents, or general wear and tear—is typically covered under a homeowners insurance policy, not a title insurance policy. This distinction is important for understanding the specific protections afforded by each type of insurance.