Which deed provides the fewest covenants and the least protection to the grantee?

• A. Warranty deed
• B. Special warranty deed
• C. Quitclaim deed
• D. Bargain and sale deed

Answer: (C)

Understanding title protection is key here: covenants are promises about the property's title, and the more covenants included, the stronger the protection for the person receiving the property. The quitclaim deed offers no promises about title at all. It simply transfers whatever interest the grantor has, if any, and contains no covenants against encumbrances or defects. Because there are no assurances, the grantee bears the risk if a later claim or defect surfaces, with little or no recourse against the grantor. That lack of covenants and protection is why this deed provides the fewest covenants and the least protection for the grantee. The other deed types include some level of title protection—warranty deeds guarantee title against claims, special warranty deeds limit that guarantee to the grantor’s own period of ownership, and bargain and sale deeds convey title with at least some implied assurance—so they offer more protection than a quitclaim.