What type of claims does a covenant against encumbrances specifically address?

A covenant against encumbrances is a promise typically found in real estate transactions that ensures the property being sold is free from encumbrances other than those disclosed in the transaction. This includes both visible encumbrances, such as liens, mortgages, and easements that can be easily seen or identified on the property, as well as invisible encumbrances, which may include issues like restrictions or claims that are not readily apparent but still affect the property's title.

Thus, the covenant protects the buyer from any undisclosed risks associated with the property's title, ensuring they can take full ownership without unexpected legal claims or financial burdens. It encompasses a broad range of potential impediments to ownership, which is why it specifically addresses both visible and invisible encumbrances. This comprehensive coverage is crucial for buyers to ensure that their ownership rights are not compromised by existing claims or limitations on the property.