Pass Your PA-Title-Insurance-Agent Exam Easily – Real PA-Title-Insurance-Agent Practice Dump Updated Sep 04, 2026 [Q27-Q50]

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Pass Your PA-Title-Insurance-Agent Exam Easily – Real PA-Title-Insurance-Agent Practice Dump Updated Sep 04, 2026

2026 Realistic Verified Free Insurance Licensing PA-Title-Insurance-Agent Exam Questions

Insurance Licensing PA-Title-Insurance-Agent Exam Syllabus Topics:

Section	Weight	Objectives
General Insurance Concepts	15%	– Risk and indemnity – Contract law fundamentals – Basic insurance principles
Real Estate Transactions & Settlement	10%	– Disbursement and record-keeping – Policy issuance and delivery – Escrow and closing procedures
Real Property Law	25%	– Liens, encumbrances, and easements – Property rights and interests – Conveyance and recording statutes
Title Insurance Principles	25%	– Title search and examination procedures – Purpose and function of title insurance – Exceptions and risk elimination – Title commitments and policy forms
Insurance Regulation	25%	– Unfair trade practices and ethics – Pennsylvania insurance statutes and regulations – Licensing requirements and procedures

NO.27 The process by which a mortgage is enforced against real estate is called a

sheriff’s sale.

non-judicial foreclosure.

trustee sale.

forfeiture.

NO.28 An acknowledgment

states that a deed contains verified information.

is an authorization to convey property.

provides evidence that a signature is genuine.

is a signature on a deed.

NO.29 What must accompany the satisfaction piece when presented for recording?

The payment record

The certificate of title

The final receipt

The original mortgage instrument

NO.30 The MAIN purpose of an endorsement is to

decrease the premium.

describe the covered losses.

increase the premium.

modify the policy.

NO.31 A licensee has violated a Pennsylvania insurance law. The commissioner CANNOT impose what penalty after the hearing?

license revocation

a jail sentence

license suspension

a fine

NO.32 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:

Mortgagor

Mortgagee

Title agent

Seller

NO.33 Which of the following is NOT effective with a Quit Claim Deed?

Stops grantor from asserting rights.

Remove clouds on title.

Warranty of title.

Conveyance of title interest.

NO.34 Title insurance NOT covering the insured for unpaid property taxes, which are NOT known at the time of closing, would be considered a

judgment.

federal lien.

standard exception.

covenant.

NO.35 Title is vested in Bill and Monica. The deed says nothing as to how they are to hold title or as to their marital status. They are NOT married to each other. The presumption is that

they are tenants in common.

they are tenants by the entirety.

the conveyance is void.

they are joint tenants with rights of survivorship.

NO.36 An agent who collects money from an insured and holds it for payment to the insurer is

wrongfully withholding funds.

acting in a fiduciary capacity.

commingling funds.

providing coverage.

NO.37 Which of the following is NOT the responsibility of the Notary Public when taking an acknowledgment on a Deed, Mortgage or Deed of Trust?

affix his or her official stamp

sign his or her name on the witness line

list the expiration date of his or her commission

obtain proper identification from all signers

NO.38 Which of the following is NOT among the requirements for recording a document affecting title to property in Pennsylvania?

The executed title insurance policy must be sent to the state insurance department.

The stamp of the notary must be clear and legible and nothing may be written over it.

The addresses of grantees must be provided on a special form appended to the document.

The signatures on the document must be acknowledged.

NO.39 What is the purpose of probate of an estate?

to avoid inheritance tax

to establish heirs

to transfer a deceased’s debts

to foreclose a lien

NO.40 According to the Fair Credit Reporting Act, an insurer needs to do all of the following, EXCEPT

inform the applicant that an investigation is being conducted.

notify the applicant if an application is denied.

inform the applicant about the scope of an investigation.

discuss any credit history inconsistencies with the applicant.

NO.41 When issuing an Owner’s policy, encumbrances should be shown as

an exception in Schedule C.

a requirement in Schedule B-I.

listed on Schedule B as an exception.

listed on Schedule A for informational purposes.

NO.42 Title is held by John and Kate, as joint tenants with right of survivorship. If John dies, which is the simplest manner of establishing record evidence of the marketable title in Kate?

Record a certified copy of a probate court order of John’s estate distributing the home to Kate.

Nothing is required.

Probate the estate of John.

Record in the county where the property is located a certified copy of John’s death certificate.

NO.43 An insurance licensee must do all of the following in order to renew an insurance license EXCEPT

hold active insurer appointment(s).

submit to the department a completed renewal form.

pay the required renewal fee.

complete the continuing education requirements, if applicable.

NO.44 Which document is recorded in the recorder of deeds?

mechanic’s lien

civil judgment

realty transfer tax statement of value

notice of lis pendens

NO.45 An ALTA survey of the land could disclose all of the following EXCEPT

a property line lawsuit.

a pond located on the land.

the improvements on the land.

a violation of the setback line.

NO.46 All of the following are considered valid monuments for the purpose of legally describing real property EXCEPT a

iron pin.

corner of a recorded subdivision lot.

highway.

fence line.

NO.47 Karen has a life estate in the property. Upon her death, the property passes to

the remainderman.

her spouse.

the previous owner.

her heirs.

NO.48 When a land owner uses his land as security for a loan, the encumbrance created is called

an involuntary lien.

a special security.

a promissory note.

a mortgage.

NO.49 The MAIN purpose of insurance is to

transfer risk.

alter risk.

reduce risk.

retain risk.

NO.50 When insuring a mortgage where there are intervening liens that prevent the lender from holding first lien priority, such other liens may be

subordinated to the lien of the subject mortgage.

waived to the lien of the subject mortgage.

restricted to the lien of the subject mortgage.

subrogated to the lien of the insured mortgage.