Which scenario would title insurance typically not cover?

Title insurance is designed to protect property owners and lenders from potential losses due to defects in title or claims against it that were not revealed in public records at the time the policy was issued. Coverage typically includes unknown heirs, secret marriages of spouses affecting title, and issues stemming from improperly executed transfers, as these can create claims against the title that arise unexpectedly after a transaction.

In the context of the fourth scenario involving a change to property requested by a potential buyer who later withdraws, this situation does not fall under title insurance coverage. Title insurance protects against defects that affect the title itself rather than the transactional actions taken by potential buyers. Once a buyer makes a request, if they decide not to proceed, the title remains intact and unaffected. Therefore, any changes they may have wanted do not influence the title's integrity or raise issues that title insurance is meant to address.

This distinction is crucial because title insurance is concerned primarily with the ownership rights and claims against the property, rather than the modifications or requests that buyers may make prior to completing a purchase.