Definition
A special warranty deed provides limited protection—the seller only warrants against title defects created during their ownership, not pre-existing ones.
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A special warranty deed (also called a limited warranty deed) provides less protection than a full warranty deed because the seller only warrants against title defects created during their tenure. Any pre-existing liens, encumbrances, or claims are the buyer's responsibility. Special warranty deeds are common in new construction, foreclosure sales, and bank-owned properties. Buyers should purchase title insurance to protect against pre-existing title defects.
Pro Tip
Special warranty deeds are riskier. Always purchase comprehensive title insurance.
Example
The builder conveyed the new home via special warranty deed, warranting only issues during construction.