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Texas general warranty deeds The most common type of deed used in Texas is a general warranty deed. This type of deed guarantees the title comes without any liens, easements, or other title problems. A general warranty deed also assures the buyer that there will be no issues with the title.

A special warranty deed?also known as a limited warranty deed?is a variation of the general warranty deed. While the word "special" may communicate to a buyer the idea that the deed is of higher quality, the special warranty deed is less comprehensive. It offers less protection due to the limited timeframe it covers.

Cons: Fewer protections for buyers, who are now responsible for addressing any previous liens or claims for the property. Lenders and title companies may refuse to help buyers secure financing or title insurance for a property sold under special warranty.

Common Uses of Texas Special Warranty Deed Forms Special warranty deeds can be used in any situation where the person signing the deed is willing to provide a warranty of title that covers his or her own actions, but cannot or will not make any guarantees about previous owners.

A special warranty deed is more limited than a general warranty deed, and it only warrants that title is free and clear from other claims during the time period of the grantor's ownership. It does not offer any protection for claims arising prior to the grantor's ownership.

A special warranty deed provides the grantee with limited covenants and warranties from the grantor, including a: warranty of the grantor's clear fee title subject only to noted encumbrances; and ? covenant to defend against title claims arising from the grantor's ownership interest.