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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Real Property Law | 25% | - Conveyance and recording statutes - Property rights and interests - Liens, encumbrances, and easements |
| Topic 2: General Insurance Concepts | 15% | - Risk and indemnity - Basic insurance principles - Contract law fundamentals |
| Topic 3: Insurance Regulation | 25% | - Licensing requirements and procedures - Unfair trade practices and ethics - Pennsylvania insurance statutes and regulations |
| Topic 4: Title Insurance Principles | 25% | - Title search and examination procedures - Exceptions and risk elimination - Title commitments and policy forms - Purpose and function of title insurance |
| Topic 5: Real Estate Transactions & Settlement | 10% | - Disbursement and record-keeping - Policy issuance and delivery - Escrow and closing procedures |
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NEW QUESTION # 33
Which of the following is excluded from coverage in the standard owner's policy?
Answer: A
Explanation:
Governmental laws, ordinances, permits, and regulations are standard exclusions from owner's title insurance coverage unless the policy specifically covers a recorded enforcement notice or related insured risk. This includes zoning, building, subdivision, occupancy, environmental, and similar governmental restrictions. Lack of a right of access to and from the land is not the exclusion here; it is normally a covered risk in an owner's policy. Option B is aimed at loan-policy concepts and does not fit an owner's standard exclusion. Option C may create a title or recording defect, but it is not the policy exclusion being tested. The Pennsylvania title outline tests title policy exclusions, covered risks, Schedule B exceptions, and owner's policy provisions.
NEW QUESTION # 34
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: A
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 # 35
Which of the following is considered an involuntary lien?
Answer: A
Explanation:
A federal tax lien is an involuntary lien because it arises by operation of law when federal tax obligations are unpaid; it is not created voluntarily by the property owner as loan collateral. A HELOC loan is voluntary because the borrower intentionally grants a mortgage or security interest to secure the credit line. A deed restriction is a covenant or limitation affecting use of the property, not a lien for payment. A life estate reservation creates or reserves an estate in land, not a creditor's lien. The Pennsylvania Title Insurance exam outline expressly includes voluntary and involuntary liens, federal liens, judgments, taxes, and assessments under Title Exceptions and Procedures for Clearing Title.
NEW QUESTION # 36
Which of the following is NOT the responsibility of the Notary Public when taking an acknowledgment on a Deed, Mortgage or Deed of Trust?
Answer: A
Explanation:
A notary taking an acknowledgment must complete the notarial certificate, verify the identity of the person acknowledging the document, sign as the notarial officer, apply the official stamp, and include required commission information. The notary does not sign on the witness line unless separately acting as a witness, which is not the notary's acknowledgment function. The witness line is for a witness to the execution of the document, not for the notarial officer's certificate. Deeds, mortgages, and similar instruments often require proper acknowledgment before recording, so this issue is highly relevant to Pennsylvania title practice. The exam outline includes acknowledgments under real property and real estate transaction recording procedures.
NEW QUESTION # 37
Which of the following is considered a voluntary lien?
Answer: C
Explanation:
A mortgage lien is voluntary because the property owner intentionally grants the mortgage as security for a debt. Real estate tax liens, state tax liens, and construction or mechanic's liens arise by operation of law when taxes, assessments, labor, or materials remain unpaid. Those are involuntary liens because they do not depend on the owner voluntarily pledging the property as collateral. This difference is critical in title work because voluntary liens are usually created by recorded security instruments, while involuntary liens may arise from statutes, judgments, taxes, or construction claims. The Pennsylvania title outline expressly tests voluntary and involuntary liens, mechanic's liens, taxes and assessments, federal liens, judgments, releases, subordinations, and procedures for clearing title.
NEW QUESTION # 38
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