Which of the following scenarios requires that a title search be conducted?

Conducting a title search is crucial when establishing ownership of real property because it helps verify the legal ownership and confirm that the title is clear of any encumbrances, liens, or other issues that might affect the transfer of ownership. This process involves examining public records related to the property, such as previous deeds, mortgages, and tax assessments, to ensure that the seller has the legal right to transfer ownership to a buyer without any clouds on the title.

In scenarios such as minor home repairs, routine mortgage applications, or updating a home insurance policy, a title search is typically unnecessary. Minor repairs do not involve changes in ownership or legal rights. Routine mortgage applications may require an appraisal and other checks but not necessarily a title search at that stage, as the lender’s requirement for title verification would generally come later in the process. Updating a home insurance policy involves reviewing coverage but doesn’t require the in-depth ownership verification that a title search provides. Thus, the need for clarity of ownership makes the option of conducting a title search essential in this context.