What type of risks are typically listed in the exclusions of a title insurance policy?

The exclusions listed in a title insurance policy are primarily meant to delineate the boundaries of what the policy will and will not cover. Non-recorded easements and claims not known at the time of the policy are significant exclusions because title insurance is designed to protect against claims or defects that affect the ownership of real property.

Non-recorded easements may affect the property's use and valuation, but if they have not been formally recorded, they may not be discovered during the title search, thus leaving the insurer and the insured vulnerable to these unexpected claims. Similarly, claims that are not known at the time of the policy may arise from various circumstances, including disputes or rights held by others that were not discoverable during the examination of public records.

Thus, the correct choice accurately reflects the types of risks that title insurance does not cover, emphasizing the importance of recorded information in establishing clear title and ownership.