What are standard risks covered by a title insurance policy?

A title insurance policy is designed to protect the insured against various risks that may affect the title to their property. Standard risks covered by a title insurance policy typically include issues such as liens, which are claims against the property for debts; unrecorded deeds, which refer to transactions that have not been officially recorded and may present ownership challenges; and property disputes, where multiple parties claim rights to the property.

Liens represent legal rights granted by the property owner to a lender or a contractor and can create complications if they are not resolved prior to the sale of the property. Unrecorded deeds could indicate that a previous seller hasn't properly transferred ownership, thereby putting the new owner's title at risk. Additionally, property disputes can arise due to various reasons, including boundary disputes or conflicts regarding easements.

This comprehensive coverage ensures that property owners are protected from financial loss related to these risks that are fundamental to ensuring clear ownership and enjoyment of the property. Therefore, B encompasses a range of potential title issues that a title insurance policy is specifically meant to address, making it the correct answer.