Which deed is described as turning into a Special Warranty Deed when it includes a covenant?

• A. Bargain & Sale Deed
• B. Quitclaim Deed
• C. Deed in Trust
• D. Bargain & Sale Deed with Covenant

Answer: (D)

Understanding title warranties helps explain why adding a covenant changes a deed’s nature. A Special Warranty Deed protects the grantee against title defects that arose only during the grantor’s period of ownership. A Bargain & Sale Deed by itself conveys an interest but traditionally carries no warranties. When you add a covenant to that deed, the grantor effectively promises to defend against title problems that occurred while they owned the property. That limited promise mirrors the warranty scope of a Special Warranty Deed, so the Bargain & Sale Deed with Covenant is described as turning into a Special Warranty Deed when a covenant is included. The other deed types either provide no warranties at all or serve different purposes, so they don’t fit this description.