Which of the following is NOT typically included in a title insurance policy?

A title insurance policy serves to protect property owners and lenders from defects in the title or claims against it that arise from past events. Each of the first three choices refers to potential issues that a title insurance policy would commonly cover.

Protection against undisclosed heirs is crucial, as it ensures that if an heir appears after a property transfer claiming their rights to the property, the insurance will help cover legal challenges or claims associated with that heir. Similarly, claims for fraud or forgery are also covered by title insurance, as these issues can significantly impact the validity of the title. Additionally, pre-existing zoning restrictions fall within the scope of title insurance because they represent legal limitations on how the property can be used, which are essential to know before purchasing a property.

On the other hand, a title insurance policy does not provide insurance against future property value increases. This concept is inherently speculative and depends on various market conditions that cannot be controlled or accurately predicted. Title insurance focuses strictly on past events and issues related to the title itself, protecting against problems that have already occurred, rather than future potential changes in property values. Therefore, future property value increase is indeed the correct answer, as it is not something typically included in a title insurance policy.