Which type of warranty asserts that the grantor truly owns the property interest claimed?

The covenant of seisin is a type of warranty that assures the grantee that the grantor holds clear title to a property and has the legal right to convey it. This means that the grantor genuinely owns the property interest they are claiming to transfer. Essentially, it guarantees that there are no defects in the title and that the grantor has the authority to sell or transfer the property. This is a fundamental aspect of property transactions, as it protects the buyer from claims of ownership by others.

In contrast, the covenant against encumbrances ensures that the property is free from liens or other encumbrances that may affect its value or use, while the covenant of quiet enjoyment assures the grantee that they can use the property without interference. The warranty of habitability pertains to residential properties, ensuring that they are safe and suitable for living. Each of these options serves a different purpose in property law, but the covenant of seisin is specifically focused on the issue of ownership and the grantor's rightful claim to the property.