Which type of title insurance offers the most protection for the buyer of the property?

The Extended Owner's policy is designed to offer the most comprehensive protection for buyers of property. This type of title insurance provides coverage against a broader range of potential title defects compared to other policies. It typically includes protections against items such as unrecorded liens, easements, and other encumbrances that may not be identified through a standard title search. Additionally, the Extended Owner's policy often covers risks that may arise after the policy is issued, ensuring that the buyer is protected beyond the initial assessment of the title.

In contrast, the Plain Language policy, while user-friendly, does not necessarily expand coverage significantly beyond what is found in a standard policy. The ALTA Lender's policy primarily protects the lender’s interests rather than the buyer's, focusing on the loan amount and the lender's priority in the event of a claim. The Standard policy provides typical protections but lacks the additional coverages found in the Extended Owner's policy, making it less comprehensive for the buyer. Thus, the Extended Owner's policy stands out as the option that offers the greatest peace of mind and safeguards for a buyer against various risks associated with property ownership.