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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: General Insurance Concepts | 15% | - Basic insurance principles - Risk and indemnity - Contract law fundamentals |
| Topic 2: Real Property Law | 25% | - Property rights and interests - Conveyance and recording statutes - Liens, encumbrances, and easements |
| Topic 3: Title Insurance Principles | 25% | - Title commitments and policy forms - Title search and examination procedures - Purpose and function of title insurance - Exceptions and risk elimination |
| Topic 4: Real Estate Transactions & Settlement | 10% | - Disbursement and record-keeping - Escrow and closing procedures - Policy issuance and delivery |
| Topic 5: Insurance Regulation | 25% | - Pennsylvania insurance statutes and regulations - Unfair trade practices and ethics - Licensing requirements and procedures |
>> PA-Title-Insurance-Agent Latest Exam Notes <<
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NEW QUESTION # 37
Which of the following is NOT among the requirements for recording a document affecting title to property in Pennsylvania?
Answer: D
Explanation:
Sending the executed title insurance policy to the state insurance department is not a requirement for recording a document affecting title. Recording requirements concern the instrument being recorded, such as proper execution, acknowledgment, legible notary information, grantee or mortgagee address certifications, applicable transfer tax documents, and formatting requirements imposed by the recorder. The title insurance policy is an insurance contract issued to the insured; it is not part of the deed or mortgage recording package that must be sent to the Insurance Department for recording to occur. Pennsylvania recording practice requires recordable documents to meet execution and address requirements, and deeds are commonly accompanied by applicable transfer tax documents. The Pennsylvania title outline lists requirements to record and recording steps under Real Estate Transactions.
NEW QUESTION # 38
A deed to a lot in Greenacre is recorded. Two parties who are NOT married to each other are named as grantees. The deed does NOT mention any form of tenancy. How do the grantees hold title to the lot?
Answer: B
Explanation:
When two unmarried grantees receive title and the deed does not state a survivorship form or another specific tenancy, the default ownership form is tenancy in common. Each co-owner holds an undivided interest that can be conveyed, devised, or inherited separately. Tenancy by the entireties is only available to married spouses, so it cannot apply here. Joint tenancy requires survivorship language or a clear expression of that intent; it is not presumed merely because two people are named as grantees. Tenancy at sufferance is not an ownership estate; it describes a holdover occupancy situation. The Pennsylvania Title Insurance outline specifically tests joint ownership types, including tenants in common, joint tenancy, and tenancy by the entirety.
NEW QUESTION # 39
When a mortgagee's title insurance policy is issued and no owner's policy will be issued, a written waiver must be signed by the:
Answer: A
Explanation:
The written waiver must be signed by the mortgagor, meaning the owner-borrower/purchaser who is waiving the right to purchase owner's title insurance. Pennsylvania regulation requires the title insurer or title agent, when issuing a mortgagee's title policy in a purchase-money transaction and no owner's policy has been ordered, to advise the mortgagor in writing that the lender's policy does not protect the owner. If the mortgagor elects not to purchase owner's coverage, the company must obtain the mortgagor's written statement acknowledging receipt of the notice and waiving the right to buy owner's title insurance. The mortgagee receives the loan policy; the waiver protects the owner-purchaser disclosure process.
NEW QUESTION # 40
A notarized deed ensures that the
Answer: A
Explanation:
A notarized deed ensures that the deed is eligible for recording because the notarial acknowledgment verifies the execution formalities needed by the recorder's office. Notarization alone does not make title clear, does not guarantee marketable title, and does not by itself transfer ownership unless the deed has also been properly delivered and accepted. A deed may be legally effective between parties in some circumstances, but the examination issue tested here is recordability. Pennsylvania recording practice requires proper execution and acknowledgment for deeds and other instruments affecting real property. The Pennsylvania title outline specifically lists document preparation, deeds, acknowledgment forms, recording, requirements to record, and acknowledgments under Real Estate Transactions.
NEW QUESTION # 41
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a
Answer: D
Explanation:
The quoted statement is a requirement because it describes something that must be done before the title insurer will issue the final policy. Recording a warranty deed from the vested owner into the proposed insured is a closing and recording requirement, not an exception. A standard exception limits or excludes coverage; it does not tell the parties what must be completed to create insurable title. A post-policy event occurs after policy issuance and is not what the commitment is addressing. The ALTA commitment structure treats Schedule B, Part I as "Requirements," and includes properly authorized, executed, delivered, and recorded conveyance or mortgage documents as requirements. This matches the Pennsylvania exam outline's focus on commitments and title policy structure.
NEW QUESTION # 42
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