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| Section | Weight | Objectives |
|---|---|---|
| Real Property Law | 25% | - Conveyance and recording statutes - Liens, encumbrances, and easements - Property rights and interests |
| Insurance Regulation | 25% | - Pennsylvania insurance statutes and regulations - Licensing requirements and procedures - Unfair trade practices and ethics |
| Title Insurance Principles | 25% | - Purpose and function of title insurance - Exceptions and risk elimination - Title search and examination procedures - Title commitments and policy forms |
| Real Estate Transactions & Settlement | 10% | - Escrow and closing procedures - Disbursement and record-keeping - Policy issuance and delivery |
| General Insurance Concepts | 15% | - Basic insurance principles - Contract law fundamentals - Risk and indemnity |
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NEW QUESTION # 44
A deed was properly completed and executed. Title to the property passed when the deed was
Answer: A
Explanation:
Title passes by delivery and acceptance of the deed, not merely by signing, acknowledgment, or recording.
Signing shows execution by the grantor, but a deed does not operate as a conveyance unless delivered with intent to transfer and accepted by the grantee. Acknowledgment supports recordability, but it does not by itself complete transfer of title. Recording gives public notice and protects priority against later purchasers or creditors, but recording is not the act that transfers title between grantor and grantee. This distinction is fundamental in title examination because an examiner must confirm execution, delivery, acceptance, and record notice. The Pennsylvania title outline covers conveyances, deeds, acquisition and transfer of real property, acknowledgments, recording, and presumptions.
NEW QUESTION # 45
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: B
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 # 46
A state tax lien filed in the county where the taxpayer owns property is
Answer: B
Explanation:
A state tax lien filed in the county where the taxpayer owns property operates as a lien against the taxpayer's property in that county, not merely against one specifically described parcel or only when the property is sold.
Tax liens are involuntary liens created to secure unpaid tax obligations and must be considered in title examination because they can affect sale, refinance, priority, and insurability. Pennsylvania tax lien rules provide that, upon entry of record by the prothonotary where the property is situated, the tax amount is a lien in favor of the Commonwealth against the taxpayer's real property and certain personal property. The Pennsylvania title outline includes taxes and assessments, federal liens, judgments, and voluntary and involuntary liens.
NEW QUESTION # 47
When issuing an Owner's policy, encumbrances should be shown as
Answer: D
Explanation:
Encumbrances that will remain against the property and are not insured over should be listed on Schedule B as exceptions. Schedule A identifies basic policy information such as the insured, estate or interest insured, policy amount, and legal description. Schedule B is where exceptions from coverage are listed, including easements, restrictions, liens, taxes, covenants, or other matters that the policy will not cover. Schedule B-I is commonly associated with commitment requirements that must be satisfied before issuing the policy, not final policy exceptions. Schedule C is not the correct schedule for owner's policy encumbrance exceptions in this testing context. The Pennsylvania title outline specifically lists Schedule A, Schedule B exceptions, exclusions, and title insurance policy structure.
NEW QUESTION # 48
Which section of a title insurance policy lists the rights of the insurer?
Answer: B
Explanation:
The insurer's rights are found in the Conditions section of the title insurance policy. The Conditions section explains claim handling, notice requirements, proof of loss, defense, settlement, payment of claims, subrogation, limitation of liability, and other rights and obligations between the insured and the title insurer.
Exclusions from coverage identify matters outside the policy's protection. The insuring agreement states the basic promise of coverage. "Declarations" is not the standard title-policy section used for the insurer's claim rights. The Pennsylvania Title Insurance outline specifically lists policy structure and provisions, including insuring provisions, Schedule A, Schedule B exceptions, exclusions, and conditions and stipulations.
NEW QUESTION # 49
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