NJ Title Insurance Exam 2025 Reloaded Latest
Update 2025-2026 475 Questions and 100%
Verified Correct Answers Guaranteed A+
"IN REM" indicates Liens are against the - CORRECT ANSWER: Property rather than
against the person.
"MAJOR LINES " - CORRECT ANSWER: life
health
property
casualty
personal lines property
surplus lines
title insurance
"MINOR LINES " - CORRECT ANSWER: bail bonds
credit
ticket
group mort. cancel.
mortgage guaranty
legal insurance
self-storage
"Notice Of Settlement" is good for - CORRECT ANSWER: 45 days
"Reinsurance treaty"/Treaties are usually - CORRECT ANSWER: negotiated for a
period of a year or longer
,3 attempts to place insurance is required for - CORRECT ANSWER: Surplus lines
authority
a action by the mortgagee for default - CORRECT ANSWER: Deficiency judgment
a action to server a four party joint tenancy - CORRECT ANSWER: a partition
a agency created solely through the action of both principal or agent is said -
CORRECT ANSWER: to be an ostensible agency
a branch office cannot be open or operated unless? - CORRECT ANSWER: one broker
is present during business hours except when engaged in Branch activities elsewhere
A Broker can charge a fee to Insured ,contingent that this compensation? - CORRECT
ANSWER: Bears reasonable relationship to the services to be performed, & put in
writing
a broker or consultant can charge a fee therefore the agreement must? - CORRECT
ANSWER: be signed by both the producer and the insured/ Prospect
A Clause in a Deed or Mortgage which would indicate the interest Transferred or
Mortgaged: - CORRECT ANSWER: Habendum
a contract of sale considered to be voidable would - CORRECT ANSWER: contain
condition that would cancel the agreement
a contract signed under duress would not affect - CORRECT ANSWER: the legality of
purpose of the contract
,A CORRECT statement about Condominium & Cooperative Apartments Owners is that
they both - CORRECT ANSWER: May pay Assessments
a couple who has purchased and receives a deed stating that they have the rights of
survivorship or most likely - CORRECT ANSWER: joint tenants
a deed clause which would describe the degree of Interest being conveyed to grantee -
CORRECT ANSWER: The Habendum clause
a deed in which the grantor warrants that the title was unencumbered for as long as the
grantor has held it - CORRECT ANSWER: bargain and sale deed CVG
a deed of trust is most likely to be held by - CORRECT ANSWER: a mortgagee in a
trust
A Deed that is most likely to be transferred by descent is called - CORRECT ANSWER:
a Administers deed
A Deed that transfers by descent is called a - CORRECT ANSWER: Administers Deed
A Deed which entitles the Owner to possession of a property for a specific time period
within each year, & which constitutes a Tenancy in Common with other such Owners
involves? - CORRECT ANSWER: Interval Ownership
A developer leases property from a owner with intent of constructing a building has a -
CORRECT ANSWER: Leasehold
A Devise is the transfer of real property by - CORRECT ANSWER: WILL
, A Domestic insurer is an - CORRECT ANSWER: insurance company that is
incorporated in THIS state
a domestic insurer is? - CORRECT ANSWER: a insurance company organized under
the laws of the state
A domestic Mutual insurer is Incorporated in accordance with the laws of this state? -
CORRECT ANSWER: Without permanent Capital stock (shares)
A Easement Appurtenant is the right of Ingress (Enter) & Egress (Exit) over one
property - CORRECT ANSWER: to gain access to another
A fiduciary is a person who Acts for another in a legal position of - CORRECT ANSWER:
Trust or Confidence
A Fixed Known Point be is known as a - CORRECT ANSWER: Bench Mark
a foreign insurer in NJ is a company organized in? - CORRECT ANSWER: any other
state in the United States
A Foreign insurer is a insurance company - CORRECT ANSWER: incorporated in
another state
a foreign Title Insurance Company could be decimaled in - CORRECT ANSWER:
Delaware
A Individual Must be licensed to: - CORRECT ANSWER: collect premiums
A insurance agent is considered - CORRECT ANSWER: they representative
insurer/Broker
Update 2025-2026 475 Questions and 100%
Verified Correct Answers Guaranteed A+
"IN REM" indicates Liens are against the - CORRECT ANSWER: Property rather than
against the person.
"MAJOR LINES " - CORRECT ANSWER: life
health
property
casualty
personal lines property
surplus lines
title insurance
"MINOR LINES " - CORRECT ANSWER: bail bonds
credit
ticket
group mort. cancel.
mortgage guaranty
legal insurance
self-storage
"Notice Of Settlement" is good for - CORRECT ANSWER: 45 days
"Reinsurance treaty"/Treaties are usually - CORRECT ANSWER: negotiated for a
period of a year or longer
,3 attempts to place insurance is required for - CORRECT ANSWER: Surplus lines
authority
a action by the mortgagee for default - CORRECT ANSWER: Deficiency judgment
a action to server a four party joint tenancy - CORRECT ANSWER: a partition
a agency created solely through the action of both principal or agent is said -
CORRECT ANSWER: to be an ostensible agency
a branch office cannot be open or operated unless? - CORRECT ANSWER: one broker
is present during business hours except when engaged in Branch activities elsewhere
A Broker can charge a fee to Insured ,contingent that this compensation? - CORRECT
ANSWER: Bears reasonable relationship to the services to be performed, & put in
writing
a broker or consultant can charge a fee therefore the agreement must? - CORRECT
ANSWER: be signed by both the producer and the insured/ Prospect
A Clause in a Deed or Mortgage which would indicate the interest Transferred or
Mortgaged: - CORRECT ANSWER: Habendum
a contract of sale considered to be voidable would - CORRECT ANSWER: contain
condition that would cancel the agreement
a contract signed under duress would not affect - CORRECT ANSWER: the legality of
purpose of the contract
,A CORRECT statement about Condominium & Cooperative Apartments Owners is that
they both - CORRECT ANSWER: May pay Assessments
a couple who has purchased and receives a deed stating that they have the rights of
survivorship or most likely - CORRECT ANSWER: joint tenants
a deed clause which would describe the degree of Interest being conveyed to grantee -
CORRECT ANSWER: The Habendum clause
a deed in which the grantor warrants that the title was unencumbered for as long as the
grantor has held it - CORRECT ANSWER: bargain and sale deed CVG
a deed of trust is most likely to be held by - CORRECT ANSWER: a mortgagee in a
trust
A Deed that is most likely to be transferred by descent is called - CORRECT ANSWER:
a Administers deed
A Deed that transfers by descent is called a - CORRECT ANSWER: Administers Deed
A Deed which entitles the Owner to possession of a property for a specific time period
within each year, & which constitutes a Tenancy in Common with other such Owners
involves? - CORRECT ANSWER: Interval Ownership
A developer leases property from a owner with intent of constructing a building has a -
CORRECT ANSWER: Leasehold
A Devise is the transfer of real property by - CORRECT ANSWER: WILL
, A Domestic insurer is an - CORRECT ANSWER: insurance company that is
incorporated in THIS state
a domestic insurer is? - CORRECT ANSWER: a insurance company organized under
the laws of the state
A domestic Mutual insurer is Incorporated in accordance with the laws of this state? -
CORRECT ANSWER: Without permanent Capital stock (shares)
A Easement Appurtenant is the right of Ingress (Enter) & Egress (Exit) over one
property - CORRECT ANSWER: to gain access to another
A fiduciary is a person who Acts for another in a legal position of - CORRECT ANSWER:
Trust or Confidence
A Fixed Known Point be is known as a - CORRECT ANSWER: Bench Mark
a foreign insurer in NJ is a company organized in? - CORRECT ANSWER: any other
state in the United States
A Foreign insurer is a insurance company - CORRECT ANSWER: incorporated in
another state
a foreign Title Insurance Company could be decimaled in - CORRECT ANSWER:
Delaware
A Individual Must be licensed to: - CORRECT ANSWER: collect premiums
A insurance agent is considered - CORRECT ANSWER: they representative
insurer/Broker
