TITLE INSURANCE ACTUAL EXAM PAPER 2026
QUESTIONS WITH ANSWERS GRADED A+
◍ real property - immovable property
◍ personal property - movable property, exluded from sale
◍ appurtenances - rights, privileges, improvements that will pass to the
new owner upon conveyance of the land
◍ improvements - immovable object that has been attached to the land
and increases the value, such as fences and driveways
◍ riparian - having to do with water
◍ navigable waters - identified waterway on a federal survey map,
owned by the state, can be sold or leased, leased term is 15 years
◍ non-navigable - water way that is not recorded; can be owned by the
homeowner
,◍ accretion - gaining of additional land through the gradual deposit of
solid material
◍ accession - whenever additional land is acquired through natural
causes or by joining or union with other property
◍ avulsion - land is taken away due to natural causes, usually more
sudden than accretion
◍ chattel mortgage or security agreement - personal property that is
financed
◍ bill of sale - sale of personal property is noted with this document
◍ perennial plantings - plantings that last from year to year and they
need to be maintained; considered real property
◍ annual plantings - plantings that may need to be harvested and
maintained every year; considered personal property
◍ emblement rights - tenant may take the harvest of an annual crop even
if the harvest occurred after the tenancy had ended
,◍ trade fixtures - articles attached by the tenant to the building for use in
conducting a trade or business; considered personal property
◍ allodial system - property ownership recognized in the US; land is
held free and clear of any rent or service owed to the government
◍ police power - power vested in government to restrict, regulate, and
control an individual's use of the land; examples are building codes,
zoning ordinance, rent control, fire department regulations
◍ eminent domain - right of the government to take privately owned
land for public purpose, but must compensate
◍ condemnation - process by which the government can take land by
eminent domain
◍ escheat - when a property owner dies without a will and with no heirs,
then the government can take their land
◍ deed restrictions - private limitation on the use of the land that restrict
or specify; example cutting down trees or building a fence
◍ easements - legal right that one has to use the lands of another for a
special and necessary purpose
, ◍ leases - owner gives a tenant right to use the property and the owner
gives up his right of possession in the process
◍ freehold estates - estates that last for an indefinite period of time, at
least as long as a lifetime
◍ fee simple - estate in land that lasts forever; highest degree of
ownership recognized by law
◍ life estate - estate in land that lasts a lifetime
◍ alienation - fee simple estates can convey or transfer the property or
interests in it freely without any limitation or restriction upon
conveyance
◍ grant, reservation, and will - three ways that conventional life estates
can be given
◍ reversion - possession of a property will revert to the grantor upon the
death of a life tenant
◍ remainderman - the one in whom an estate vests after termination of a
prior estate
QUESTIONS WITH ANSWERS GRADED A+
◍ real property - immovable property
◍ personal property - movable property, exluded from sale
◍ appurtenances - rights, privileges, improvements that will pass to the
new owner upon conveyance of the land
◍ improvements - immovable object that has been attached to the land
and increases the value, such as fences and driveways
◍ riparian - having to do with water
◍ navigable waters - identified waterway on a federal survey map,
owned by the state, can be sold or leased, leased term is 15 years
◍ non-navigable - water way that is not recorded; can be owned by the
homeowner
,◍ accretion - gaining of additional land through the gradual deposit of
solid material
◍ accession - whenever additional land is acquired through natural
causes or by joining or union with other property
◍ avulsion - land is taken away due to natural causes, usually more
sudden than accretion
◍ chattel mortgage or security agreement - personal property that is
financed
◍ bill of sale - sale of personal property is noted with this document
◍ perennial plantings - plantings that last from year to year and they
need to be maintained; considered real property
◍ annual plantings - plantings that may need to be harvested and
maintained every year; considered personal property
◍ emblement rights - tenant may take the harvest of an annual crop even
if the harvest occurred after the tenancy had ended
,◍ trade fixtures - articles attached by the tenant to the building for use in
conducting a trade or business; considered personal property
◍ allodial system - property ownership recognized in the US; land is
held free and clear of any rent or service owed to the government
◍ police power - power vested in government to restrict, regulate, and
control an individual's use of the land; examples are building codes,
zoning ordinance, rent control, fire department regulations
◍ eminent domain - right of the government to take privately owned
land for public purpose, but must compensate
◍ condemnation - process by which the government can take land by
eminent domain
◍ escheat - when a property owner dies without a will and with no heirs,
then the government can take their land
◍ deed restrictions - private limitation on the use of the land that restrict
or specify; example cutting down trees or building a fence
◍ easements - legal right that one has to use the lands of another for a
special and necessary purpose
, ◍ leases - owner gives a tenant right to use the property and the owner
gives up his right of possession in the process
◍ freehold estates - estates that last for an indefinite period of time, at
least as long as a lifetime
◍ fee simple - estate in land that lasts forever; highest degree of
ownership recognized by law
◍ life estate - estate in land that lasts a lifetime
◍ alienation - fee simple estates can convey or transfer the property or
interests in it freely without any limitation or restriction upon
conveyance
◍ grant, reservation, and will - three ways that conventional life estates
can be given
◍ reversion - possession of a property will revert to the grantor upon the
death of a life tenant
◍ remainderman - the one in whom an estate vests after termination of a
prior estate
