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New York General Warranty Deed Form

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New York general warranty deed, or “deed with full covenants,” is a legal instrument whereby a seller transfers real estate to a buyer with a guarantee that their ownership is legitimate and that there aren’t any encumbrances attached to the title. An individual or entity acquiring property through a general warranty deed is exempt from liability as it relates to title defects, regardless of whether the defects were caused by the seller or someone who previously owned the subject real estate.

The seller’s warranty obligates them to defend the buyer against third parties who claim a superior title. For example, if a missing heir purports to be the rightful owner, the seller will be responsible for the financial consequences thereof.