NJ TITLE INSURANCE EXAM COMPREHENSIVE
REAL ESTATE TITLE INSURANCE STUDY GUIDE
2026
◉ Abstract of Title.
Answer: A brief history of the instruments appearing in the county
record that affect title to the parcel in question.
Condensed history of all documents affecting a parcel of real estate
◉ Acceleration Clause.
Answer: Mortgage Clause demanding full payment upon Default.
◉ Accretion.
Answer: an increase of land caused by the gradual depositing of
solid material
◉ Adhesion Contract.
Answer: A non negotiable contract with terms dictated by one party.
◉ Aleatory Contract.
Answer: A contract based upon Future uncertain conditions.
,◉ Administrators Deed.
Answer: Transfers Title of an intestate by the administrator.
◉ Easement by Prescription.
Answer: Someone has used another persons land for a certain
period of time as defined by state law
(20 years in NJ)
◉ Air Rights.
Answer: Rights to space above a property
Belonging to owner of land below
◉ Feudal System.
Answer: Government owns all property and individuals get rights.
◉ Fiduciary.
Answer: A person or organization that acts on behalf of another
person to manage assets
,◉ Foreclosure.
Answer: To seize and sell property pledged for a debt
A forced sale of property to satisfy a lien.
◉ Alluvion.
Answer: Solid material deposited by a body of water
◉ Freehold Estate.
Answer: An interest in real property whose length cannot be
determined in advance
Estates of indeterminable length - a person may OWN that estate for
a lifetime or forever
ex: Fee simple ; fee determinable ; life estate
◉ Avulsion.
Answer: Sudden change of course of a stream
◉ Joint Tenancy.
, Answer: two or more people own property ; nonmarried persons
with right of survivorship
◉ ALTA.
Answer: American Land Title Association
◉ Usury.
Answer: Charging more than (unusually high) the legal limit on
interest.
◉ Appraisal.
Answer: A defensible estimate of value by an expert under given
market conditions.
◉ Life Estate.
Answer: Granting of a lifetime interest in the property without the
right to transfer title.
Complete ownership until someone's death
◉ Ingress And Egress.
Answer: The means to gain entrance into or to an exit from a
property
REAL ESTATE TITLE INSURANCE STUDY GUIDE
2026
◉ Abstract of Title.
Answer: A brief history of the instruments appearing in the county
record that affect title to the parcel in question.
Condensed history of all documents affecting a parcel of real estate
◉ Acceleration Clause.
Answer: Mortgage Clause demanding full payment upon Default.
◉ Accretion.
Answer: an increase of land caused by the gradual depositing of
solid material
◉ Adhesion Contract.
Answer: A non negotiable contract with terms dictated by one party.
◉ Aleatory Contract.
Answer: A contract based upon Future uncertain conditions.
,◉ Administrators Deed.
Answer: Transfers Title of an intestate by the administrator.
◉ Easement by Prescription.
Answer: Someone has used another persons land for a certain
period of time as defined by state law
(20 years in NJ)
◉ Air Rights.
Answer: Rights to space above a property
Belonging to owner of land below
◉ Feudal System.
Answer: Government owns all property and individuals get rights.
◉ Fiduciary.
Answer: A person or organization that acts on behalf of another
person to manage assets
,◉ Foreclosure.
Answer: To seize and sell property pledged for a debt
A forced sale of property to satisfy a lien.
◉ Alluvion.
Answer: Solid material deposited by a body of water
◉ Freehold Estate.
Answer: An interest in real property whose length cannot be
determined in advance
Estates of indeterminable length - a person may OWN that estate for
a lifetime or forever
ex: Fee simple ; fee determinable ; life estate
◉ Avulsion.
Answer: Sudden change of course of a stream
◉ Joint Tenancy.
, Answer: two or more people own property ; nonmarried persons
with right of survivorship
◉ ALTA.
Answer: American Land Title Association
◉ Usury.
Answer: Charging more than (unusually high) the legal limit on
interest.
◉ Appraisal.
Answer: A defensible estimate of value by an expert under given
market conditions.
◉ Life Estate.
Answer: Granting of a lifetime interest in the property without the
right to transfer title.
Complete ownership until someone's death
◉ Ingress And Egress.
Answer: The means to gain entrance into or to an exit from a
property
