How can a buyer protect themselves from title risks?

A buyer can protect themselves from title risks by having the seller make representations in the Purchase and Sale Agreement. This process involves the seller affirming certain facts regarding the title to the property, which may include confirming that they own the property free of liens or encumbrances, that there are no pending legal actions that could affect the title, and that the property complies with applicable zoning regulations.

When the seller provides these representations, it gives the buyer additional assurances about the title's condition and helps to identify potential issues before the transaction is completed. If the seller makes a false representation, the buyer may have legal recourse to seek remedies for any damages incurred as a result of the misrepresentation.

The other options do not provide meaningful protection against title risks. Waiving title insurance would drastically increase the buyer's exposure to unforeseen issues with the title. Hiring a real estate photographer does not relate to title issues at all, as it focuses on marketing and visual presentation rather than legal or ownership concerns. Agreeing to buy without any conditions can lead to severe disadvantages, as it eliminates the ability to negotiate or address potential title issues prior to the purchase.