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Florida 4-10 Title Insurance
Agent Exam Prep 2026: 250+
Practice Q&A with Verified
Answers, FL DFS Licensing
Requirements, Surety Bonds &
Statutory Compliance | Pass Your
Title Agent License First Try
Florida 4-10 Title Insurance Agent Exam Prep – 250
Practice Questions with Verified Answers
Master the Florida title insurance licensing exam
with this comprehensive 250-question practice set
covering all key topics: FL DFS licensing
requirements (age 18+, 40-hour course or 12 months
experience), surety bonds ($35K), fidelity bonds
($50K), E&O insurance ($250K/$10K deductible),
premium retention rules (70% agent/30% insurer),
FS Chapters 626 & 627, RESPA compliance, Schedule
A/B-I/B-II interpretation, escrow fiduciary duties,
and property law fundamentals. Each question
includes detailed rationales based on current Florida
Statutes and Administrative Code. Ideal for
candidates completing the mandatory 40-hour pre-
license course at Miami Dade College and other
,2|Page
Florida institutions. Prepare with real exam-style
questions on title defects, lien priorities,
underwriting standards, and closing procedures used
by Pearson VUE. Updated for 2026 exam
requirements.
Question 1
According to Florida Statute 627.782, which of the following parties is legally
permitted to receive a portion of the title insurance premium as a commission or
kickback for referring title insurance business, assuming no other exceptions apply?
A) A licensed real estate broker who refers a buyer to a specific title agency
B) A mortgage lender who requires the borrower to use a specific title company
C) A licensed Florida title insurance agent who performs the actual title search and
issuance
D) A builder who includes the title insurance cost in the sales contract and selects the
title agent
Answer: C) A licensed Florida title insurance agent who performs the actual title
search and issuance
Rationale: Florida Statute 627.782 strictly prohibits the payment of commissions,
kickbacks, or rebates to any party for the referral of title insurance business, with a
narrow exception for the actual work performed. Only a licensed title insurance agent
or agency that actually performs substantive work in the issuance of the policy may
receive compensation from the premium. Real estate brokers, lenders, and builders are
prohibited from receiving any portion of the premium solely for referrals.
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Question 2
What is the minimum age requirement to qualify for a Florida 4-10 resident title
insurance agent license?
A) 18 years old
B) 21 years old
C) 25 years old
D) No minimum age requirement
Answer: A) 18 years old
Rationale: Florida law requires that applicants for a title insurance agent license be at
least 18 years of age. This is a basic qualification requirement under the Florida
Insurance Code.
Question 3
Which of the following is NOT a requirement to qualify for a Florida 4-10 resident
agent license?
A) Be a United States citizen or legal alien with a work visa
B) Be a bona fide Florida resident
C) Hold a Florida real estate broker license
D) Be at least 18 years old
Answer: C) Hold a Florida real estate broker license
Rationale: The requirements for a 4-10 resident title agent license include being at
least 18 years old, being a US citizen or legal alien with work authorization, and being
a bona fide Florida resident. A real estate broker license is not required for title
insurance licensing.
Question 4
To qualify for licensure based on experience rather than coursework, an applicant
must have at least how many months of experience in responsible title duties?
A) 6 months
B) 12 months
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C) 18 months
D) 24 months
Answer: B) 12 months
Rationale: Within the 4 years immediately preceding the date of application, an
applicant must have either completed a 40-hour classroom course in title insurance OR
have at least 12 months of experience in responsible title duties under proper
supervision.
Question 5
What is the minimum surety bond amount required for a title insurance agency in
Florida?
A) $25,000
B) $35,000
C) $50,000
D) $100,000
Answer: B) $35,000
Rationale: Florida law requires title insurance agencies to maintain a surety bond of at
least $35,000 (or post securities with the Department with a market value of not less
than $35,000). This bond must remain in effect throughout the term of the agency.
Question 6
What is the minimum fidelity bond amount required for a title insurance agency?
A) $25,000
B) $35,000
C) $50,000
D) $75,000
Answer: C) $50,000
Rationale: Title agencies must maintain a fidelity bond with a minimum coverage of
$50,000. This bond protects against employee dishonesty and defalcation.
Florida 4-10 Title Insurance
Agent Exam Prep 2026: 250+
Practice Q&A with Verified
Answers, FL DFS Licensing
Requirements, Surety Bonds &
Statutory Compliance | Pass Your
Title Agent License First Try
Florida 4-10 Title Insurance Agent Exam Prep – 250
Practice Questions with Verified Answers
Master the Florida title insurance licensing exam
with this comprehensive 250-question practice set
covering all key topics: FL DFS licensing
requirements (age 18+, 40-hour course or 12 months
experience), surety bonds ($35K), fidelity bonds
($50K), E&O insurance ($250K/$10K deductible),
premium retention rules (70% agent/30% insurer),
FS Chapters 626 & 627, RESPA compliance, Schedule
A/B-I/B-II interpretation, escrow fiduciary duties,
and property law fundamentals. Each question
includes detailed rationales based on current Florida
Statutes and Administrative Code. Ideal for
candidates completing the mandatory 40-hour pre-
license course at Miami Dade College and other
,2|Page
Florida institutions. Prepare with real exam-style
questions on title defects, lien priorities,
underwriting standards, and closing procedures used
by Pearson VUE. Updated for 2026 exam
requirements.
Question 1
According to Florida Statute 627.782, which of the following parties is legally
permitted to receive a portion of the title insurance premium as a commission or
kickback for referring title insurance business, assuming no other exceptions apply?
A) A licensed real estate broker who refers a buyer to a specific title agency
B) A mortgage lender who requires the borrower to use a specific title company
C) A licensed Florida title insurance agent who performs the actual title search and
issuance
D) A builder who includes the title insurance cost in the sales contract and selects the
title agent
Answer: C) A licensed Florida title insurance agent who performs the actual title
search and issuance
Rationale: Florida Statute 627.782 strictly prohibits the payment of commissions,
kickbacks, or rebates to any party for the referral of title insurance business, with a
narrow exception for the actual work performed. Only a licensed title insurance agent
or agency that actually performs substantive work in the issuance of the policy may
receive compensation from the premium. Real estate brokers, lenders, and builders are
prohibited from receiving any portion of the premium solely for referrals.
,3|Page
Question 2
What is the minimum age requirement to qualify for a Florida 4-10 resident title
insurance agent license?
A) 18 years old
B) 21 years old
C) 25 years old
D) No minimum age requirement
Answer: A) 18 years old
Rationale: Florida law requires that applicants for a title insurance agent license be at
least 18 years of age. This is a basic qualification requirement under the Florida
Insurance Code.
Question 3
Which of the following is NOT a requirement to qualify for a Florida 4-10 resident
agent license?
A) Be a United States citizen or legal alien with a work visa
B) Be a bona fide Florida resident
C) Hold a Florida real estate broker license
D) Be at least 18 years old
Answer: C) Hold a Florida real estate broker license
Rationale: The requirements for a 4-10 resident title agent license include being at
least 18 years old, being a US citizen or legal alien with work authorization, and being
a bona fide Florida resident. A real estate broker license is not required for title
insurance licensing.
Question 4
To qualify for licensure based on experience rather than coursework, an applicant
must have at least how many months of experience in responsible title duties?
A) 6 months
B) 12 months
, 4|Page
C) 18 months
D) 24 months
Answer: B) 12 months
Rationale: Within the 4 years immediately preceding the date of application, an
applicant must have either completed a 40-hour classroom course in title insurance OR
have at least 12 months of experience in responsible title duties under proper
supervision.
Question 5
What is the minimum surety bond amount required for a title insurance agency in
Florida?
A) $25,000
B) $35,000
C) $50,000
D) $100,000
Answer: B) $35,000
Rationale: Florida law requires title insurance agencies to maintain a surety bond of at
least $35,000 (or post securities with the Department with a market value of not less
than $35,000). This bond must remain in effect throughout the term of the agency.
Question 6
What is the minimum fidelity bond amount required for a title insurance agency?
A) $25,000
B) $35,000
C) $50,000
D) $75,000
Answer: C) $50,000
Rationale: Title agencies must maintain a fidelity bond with a minimum coverage of
$50,000. This bond protects against employee dishonesty and defalcation.
