NJ TITLE EXAM, NJ TITLE PRACTICE
EXAM QUESTIONS 2025 NEWEST
ACTUAL EXAM COMPLETE EXAM
QUESTIONS WITH DETAILED
VERIFIED ANSWERS (100% CORRECT
ANSWERS) /ALREADY GRADED A+
Expressed Authority - ....ANSWER...Authority that arises
from specific statements made by the principal (employer)
to the agent (employee)
Implied Authority - ....ANSWER...Authority that is not
expressed or written into the contract, but which the agent
is assumed to have in order to transact the business of
insurance for the principal. Flows from expressed authority
In NJ, this is not used for legal descriptions -
....ANSWER...Gov't survey system
A square mile consists of 640 acres. Therefore, a square 1/2
mile is - ....ANSWER...160 acres
1
,Notice of appointment are days - ....ANSWER...15
days
Certificate of authority - ....ANSWER...given to insurance
company licensed in NJ
defines the authority of an insurance
producer - ....ANSWER...agency agreement
discloses to borrowers the true cost of
obtaining credit - ....ANSWER...truth in lending act
smoke detectors are governed by the -
....ANSWER...Uniform Safety Act
Requires lenders to keep records for 2 years -
....ANSWER...RESPA
creates a deed restriction - ....ANSWER...grantor
An easement created by adverse use is said to have been
created by: - ....ANSWER...prescription
2
,An easement in gross is considered - ....ANSWER...an
easement of prescription
Encrouchment - ....ANSWER...Intrusion onto
property by improvement to an adjoining
property
determines whether or not an encroachment exists -
....ANSWER...survey
Rights of possession, control, disposition, and enjoyment
which accompany ownership - ....ANSWER...Bundle of
Rights
T or F - The owner of a life estate can sell her interests -
....ANSWER...True
T or F - The owner of a life estate can mortgage her
interests - ....ANSWER...True
T or F - The owner of a life estate can devise her interests -
....ANSWER...False
3
, T or F - The owner of a life estate can lease her interests -
....ANSWER...True
A producer's license may be revoked if the commissioner
finds that commission earned on "controlled business"
exceeds what percentage of total commissions -
....ANSWER...50%
Title insurance coverage extends to hidden and unknown
matters - ....ANSWER...whether or not they are of record
Abstract of title - ....ANSWER...The condensed history of
a title to a particular parcel of real estate, consisting of a
summary of the original grant and all subsequent
conveyances and encumbrances affecting the property and a
4
EXAM QUESTIONS 2025 NEWEST
ACTUAL EXAM COMPLETE EXAM
QUESTIONS WITH DETAILED
VERIFIED ANSWERS (100% CORRECT
ANSWERS) /ALREADY GRADED A+
Expressed Authority - ....ANSWER...Authority that arises
from specific statements made by the principal (employer)
to the agent (employee)
Implied Authority - ....ANSWER...Authority that is not
expressed or written into the contract, but which the agent
is assumed to have in order to transact the business of
insurance for the principal. Flows from expressed authority
In NJ, this is not used for legal descriptions -
....ANSWER...Gov't survey system
A square mile consists of 640 acres. Therefore, a square 1/2
mile is - ....ANSWER...160 acres
1
,Notice of appointment are days - ....ANSWER...15
days
Certificate of authority - ....ANSWER...given to insurance
company licensed in NJ
defines the authority of an insurance
producer - ....ANSWER...agency agreement
discloses to borrowers the true cost of
obtaining credit - ....ANSWER...truth in lending act
smoke detectors are governed by the -
....ANSWER...Uniform Safety Act
Requires lenders to keep records for 2 years -
....ANSWER...RESPA
creates a deed restriction - ....ANSWER...grantor
An easement created by adverse use is said to have been
created by: - ....ANSWER...prescription
2
,An easement in gross is considered - ....ANSWER...an
easement of prescription
Encrouchment - ....ANSWER...Intrusion onto
property by improvement to an adjoining
property
determines whether or not an encroachment exists -
....ANSWER...survey
Rights of possession, control, disposition, and enjoyment
which accompany ownership - ....ANSWER...Bundle of
Rights
T or F - The owner of a life estate can sell her interests -
....ANSWER...True
T or F - The owner of a life estate can mortgage her
interests - ....ANSWER...True
T or F - The owner of a life estate can devise her interests -
....ANSWER...False
3
, T or F - The owner of a life estate can lease her interests -
....ANSWER...True
A producer's license may be revoked if the commissioner
finds that commission earned on "controlled business"
exceeds what percentage of total commissions -
....ANSWER...50%
Title insurance coverage extends to hidden and unknown
matters - ....ANSWER...whether or not they are of record
Abstract of title - ....ANSWER...The condensed history of
a title to a particular parcel of real estate, consisting of a
summary of the original grant and all subsequent
conveyances and encumbrances affecting the property and a
4
