A Florida attorney owns a corporation that does business as a title insurance agency and is not a law practice. What does F.S. 626.8417(5) require?Answer: That the agency be licensed and appointed as a title insurance agent. Source: F.S. 626.8417(5)
A Florida county adopts its own ordinance regulating title insurers. What does F.S. 627.785 say?Answer: Regulation of title insurers and title insurance is preempted to the state. Source: F.S. 627.785
A Florida title agency adopts a name with the words "title company" after October 1, 2014. What must follow those words?Answer: The word "agent" or "agency" in the same size and type. Source: F.S. 626.8413
A Florida title agency's errors and omissions insurance must cover at least how much per claim?Answer: $250,000. Source: F.S. 626.8419(1)
A licensed Florida title agent must file a new license application after going how long without an appointment?Answer: Any period of 48 months. Source: F.S. 626.8427(1)
By whom may title insurance be sold in Florida under F.S. 626.8412?Answer: A licensed, appointed title agent employed by a licensed, appointed agency or by a title insurer. Source: F.S. 626.8412(1)
Show all 98 questions (92 more)
Agent and agency licensing, continued
For whom does F.S. 626.8417(6) waive the Florida title agent prelicensure coursework?Answer: A member or veteran of the United States Armed Forces or the spouse of one. Source: F.S. 626.8417(6)
How does F.S. 626.841 define a Florida title insurance agent?Answer: A person appointed in writing by a title insurer to issue and countersign commitments or policies. Source: F.S. 626.841(1)
How many appointments does a Florida title agent need to act for three title insurers?Answer: A separate appointment for each insurer. Source: F.S. 626.8421
How much continuing education must a Florida title insurance agent complete every 2 years?Answer: 10 hours, at least 3 of them on ethics, rules or compliance. Source: F.S. 626.2815(3)
In lieu of suspension for a first, non-willful offense, the department may fine a Florida title agent $500. What is the fine when it finds willful misconduct?Answer: $2,500. Source: F.S. 626.8457(1)
In place of the course, how much experience in responsible title insurance duties qualifies a Florida applicant for the title agent license?Answer: At least 12 months. Source: F.S. 626.8417(3)
To whom is the Florida title agency's surety bond of at least $35,000 made payable?Answer: The title insurer or title insurers appointing the agency. Source: F.S. 626.8419(1)
What does F.S. 627.786 say about an insurer that wants to write both title insurance and another kind of insurance in Florida?Answer: It may not, unless it was doing both on January 1, 1965. Source: F.S. 627.786
What is the longest period for which the department may suspend a Florida title agent's license in one order?Answer: 2 years. Source: F.S. 626.8443(1)
What is the smallest fidelity bond a Florida title insurance agency must have to be appointed by a title insurer?Answer: $50,000. Source: F.S. 626.8419(1)
What prelicensing course must a Florida title insurance agent applicant have completed within the 4 years before applying, unless qualifying by experience?Answer: A 40-hour course, 3 hours of it on ethics. Source: F.S. 626.8417(3)
When a Florida title agent is appointed for the first time, the insurer keeps a credit and character report covering what period before the application?Answer: 5 years. Source: F.S. 626.842(1)
Which finding requires the department to suspend or revoke a Florida title agent's license under F.S. 626.8437?Answer: Misappropriation of funds held as part of an escrow agreement. Source: F.S. 626.8437
Who is exempt from Florida's title insurance licensing and appointment requirements under F.S. 626.8417(4)?Answer: Attorneys admitted in Florida and in good standing with The Florida Bar. Source: F.S. 626.8417(4)
Policy, premium and underwriting 19
A Florida seller's affidavit that no unpaid improvements were made within how many days lets the buyer's policy cover unrecorded construction liens?Answer: The past 90 days. Source: F.S. 627.7842(1)
A Florida title insurer's agent disburses the closing funds. Under F.S. 627.7841, the insurer must insure against adverse matters recorded during which period?Answer: Between the commitment's effective date and the recording of the insured document. Source: F.S. 627.7841
A registered Florida surveyor certified a survey to the insurer 60 days before closing. Which survey matters may the title policy except from coverage?Answer: Only the matters actually shown on the survey. Source: F.S. 627.7842(1)
At a Florida closing the seller swears that no one else is in possession or claims possession. What may the title policy then not exclude?Answer: Rights or claims of parties in possession not shown by the public records. Source: F.S. 627.7842(1)
Before a Florida title insurer may issue a new form of commitment or policy, what must happen?Answer: It must be filed with and approved by the office. Source: F.S. 627.777(1)
For how long must evidence of the title search and the determination of insurability be kept after a Florida commitment or policy is issued?Answer: At least 7 years. Source: F.S. 627.7845(2)
How may a Florida title insurer obtain authority to charge something other than the adopted premium?Answer: By petitioning the office for an order authorizing a specific deviation. Source: F.S. 627.783(1)
How often at least must the commission review Florida's title insurance premium?Answer: Once every 3 years. Source: F.S. 627.782(7)
How often must each Florida title insurer require its agents and agencies to account for the outstanding policy forms in their possession?Answer: At least once each calendar year. Source: F.S. 627.7773(1)
In F.S. 627.7711, what is a "title search"?Answer: The compiling of title information from official or public records. Source: F.S. 627.7711(4)
On a Florida policy issued through an agency, the title insurer must retain at least what share of the premium?Answer: 30 percent. Source: F.S. 627.782(1)
Under F.S. 627.7711, what does the word "premium" not include with respect to Florida title insurance?Answer: A commission. Source: F.S. 627.7711(2)
What does Florida's ban on "casualty title insurance" in F.S. 627.784 forbid?Answer: Issuing a title policy without regard to possible adverse matters or defects of title. Source: F.S. 627.784
What must a Florida contract of title insurance show on its face under F.S. 627.778?Answer: The dollar amount of the risk assumed. Source: F.S. 627.778(1)
What notice form does F.S. 627.798 direct the commission to adopt for Florida closings?Answer: A notice to a purchaser-mortgagor that the mortgagee's policy does not protect the purchaser. Source: F.S. 627.798
What sentence must open the required language of a Florida property information report?Answer: "This report is not title insurance.". Source: F.S. 627.7843
Which service is left out of Florida's "primary title services" and may carry a separate charge?Answer: Conducting the closing. Source: F.S. 627.7711(1)
Who sets the premium that Florida title insurers charge for each type of title insurance contract?Answer: The commission, by rule. Source: F.S. 627.782(1)
Within how many days after receipt must the office approve or disapprove a Florida title insurance form?Answer: 180. Source: F.S. 627.777(2)
Rebates, RESPA and disclosures 11
A Florida title agency suffers a breach of customers' personal information. Under F.S. 501.171, notice to the individuals is due no later than when?Answer: 30 days after the determination of the breach. Source: F.S. 501.171(4)
A seller violates Section 9 of RESPA. What is the seller's liability to the buyer?Answer: Three times all charges made for the title insurance. Source: 12 U.S.C. 2608(b)
F.S. 626.9541(1)(h)3.c. names people connected with a Florida closing who may not knowingly accept a title rebate. Which is named?Answer: A real estate broker. Source: F.S. 626.9541(1)(h)
Section 8(b) of RESPA bars splitting a settlement service charge except on what basis?Answer: For services actually performed. Source: 12 U.S.C. 2607(b)
Under Section 9 of RESPA, what may the seller of a home bought with a federally related mortgage loan not require?Answer: That the buyer purchase title insurance from a particular title company. Source: 12 U.S.C. 2608(a)
Under the TRID rule, by when must the consumer receive the Closing Disclosure?Answer: No later than three business days before consummation. Source: 12 CFR 1026.19(f)(1)
Under the TRID rule, by when must the settlement agent give the seller the disclosures for the seller's side of the transaction?Answer: No later than the day of consummation. Source: 12 CFR 1026.19(f)(4)
What does Florida's unlawful rebate law bar a title insurer or its agent from giving as an inducement to title insurance?Answer: Any rebate or abatement of the premium or of any other charge or fee. Source: F.S. 626.9541(1)(h)
What does Section 8(a) of RESPA prohibit in a transaction with a federally related mortgage loan?Answer: Giving or accepting a kickback or thing of value for referring settlement business. Source: 12 U.S.C. 2607(a)
Which payment does Section 8(c) of RESPA expressly leave lawful?Answer: A payment by a title company to its appointed agent for services actually performed. Source: 12 U.S.C. 2607(c)
Which reduction does F.S. 626.9541(1)(h)3.b. still allow a Florida title agent to give the person paying the premium?Answer: A rebate of the part of the premium not required to be retained by the insurer. Source: F.S. 626.9541(1)(h)
Escrow handling 9
A Florida agency that represents two title insurers misappropriates escrow funds after issuing a commitment. Which insurer bears the liability?Answer: The insurer on which the commitment or policy was issued before the illegal act. Source: F.S. 627.792
A Florida attorney serves as title or settlement agent. Where must the attorney keep the funds received in those transactions?Answer: In a separate trust account kept only for those funds, open to audit by its title insurers. Source: F.S. 626.8473(8)
A Florida title agency owes money to its landlord. May the landlord reach the agency's escrow trust account?Answer: No, the funds are not subject to any debts of the agency. Source: F.S. 626.8473(4)
A licensed Florida title agency misappropriates funds it held in trust for a closing. Who is liable under F.S. 627.792?Answer: The title insurer. Source: F.S. 627.792
An employee of a Florida title agency converts $50,000 of escrow funds. What is the offense under F.S. 626.8473(7)?Answer: A felony of the second degree. Source: F.S. 626.8473(7)
Converting escrow funds of what amount is a misdemeanor of the first degree, and not a felony, under F.S. 626.8473(7)?Answer: $300 or less. Source: F.S. 626.8473(7)
In what capacity does a Florida title insurance agency receive closing funds under F.S. 626.8473?Answer: As trust funds received in a fiduciary capacity. Source: F.S. 626.8473(2)
What records of escrow, settlement and closing funds must a Florida title agency maintain?Answer: Separate records of all receipts and disbursements. Source: F.S. 626.8473(5)
Where must funds a Florida title agency holds in trust be placed immediately?Answer: In a financial institution in Florida insured by the FDIC or the National Credit Union Share Insurance Fund. Source: F.S. 626.8473(3)
Examination of title 20
A Florida decedent with no will leaves a spouse and no descendants. What is the spouse's intestate share?Answer: The entire intestate estate. Source: F.S. 732.102
A Florida deed conveys land to two unmarried people and says nothing about survivorship. What estate is created?Answer: A tenancy in common. Source: F.S. 689.15
A Florida deed in the statutory form says the grantor "does hereby fully warrant the title." What covenants does it carry?Answer: Full common-law covenants, as if set out in the deed. Source: F.S. 689.03
A Florida homestead owner dies leaving a spouse and a minor child. May the homestead be devised by will?Answer: No, it is not subject to devise. Source: F.S. 732.4015(1)
A Florida mortgage is made to a husband and wife as mortgagees. Unless it shows a contrary intention, how do they hold it?Answer: As an estate by the entirety. Source: F.S. 689.115
A Florida owner dies without devising the homestead, survived by a spouse and descendants. Absent an election, what does the spouse take?Answer: A life estate, with a vested remainder to the descendants. Source: F.S. 732.401(1)
A Florida spouse who alone holds title wants to create an estate by the entirety. Which deed does F.S. 689.11 say will do it?Answer: A deed to both spouses. Source: F.S. 689.11(1)
A Florida warranty deed is recorded without the property appraiser's parcel identification number. What is the effect under F.S. 689.02?Answer: Neither the validity of the conveyance nor its recordability is affected. Source: F.S. 689.02(2)
A married couple holding Florida land as tenants by the entirety divorce. How do they hold title afterward?Answer: As tenants in common. Source: F.S. 689.15
A married Florida owner wants to mortgage the homestead. Who must join under the Florida Constitution?Answer: The spouse. Source: Fla. Const. Art. X, s. 4(c)
Against whom is an unrecorded Florida deed not good under F.S. 695.01?Answer: Creditors and subsequent purchasers for value without notice. Source: F.S. 695.01(1)
How does F.S. 695.01 treat a grantee who takes Florida land by quitclaim deed, for purposes of the recording acts?Answer: As a bona fide purchaser without notice. Source: F.S. 695.01(2)
How is a Florida condominium created under F.S. 718.104?Answer: By recording a declaration in the public records of the county where the land lies. Source: F.S. 718.104(2)
How many subscribing witnesses must be present when a Florida deed is signed?Answer: Two. Source: F.S. 689.01(1)
How much contiguous land does the Florida Constitution protect as a homestead located outside a municipality?Answer: One hundred sixty acres. Source: Fla. Const. Art. X, s. 4(a)
In lieu of the life estate, what may a Florida surviving spouse elect to take in the homestead under F.S. 732.401?Answer: An undivided one-half interest as a tenant in common. Source: F.S. 732.401(2)
Two instruments on the same Florida parcel are filed with the clerk the same morning. What determines priority under F.S. 695.11?Answer: The sequence of the official register numbers. Source: F.S. 695.11
What space must be left for the clerk at the top right-hand corner of the first page of a Florida instrument presented for recording?Answer: 3 inches by 3 inches. Source: F.S. 695.26(1)
Whose name and post-office address must appear on a Florida deed, besides the signers, the witnesses and the grantees, before the clerk may record it?Answer: The natural person who prepared it or supervised its preparation. Source: F.S. 695.26(1)
Within a municipality, the Florida Constitution limits the homestead to the residence of the owner or the owner's family on how much contiguous land?Answer: One-half acre. Source: Fla. Const. Art. X, s. 4(a)
Title searches, liens and limitations 19
A certified copy of a Florida judgment is first recorded today. For how long is it a lien in that county before any extension?Answer: 10 years. Source: F.S. 55.10(1)
A Florida lienor must record a claim of lien no later than how many days after the final furnishing of labor, services or materials?Answer: 90. Source: F.S. 713.08(5)
A Florida notice of lis pendens is filed in a suit that is not founded on a recorded instrument or a construction lien. Unless the court extends it, when does it expire?Answer: 1 year from the commencement of the action. Source: F.S. 48.23(2)
A Florida owner asks the mortgage servicer in writing for the payoff amount. Within how many days must the estoppel letter be sent?Answer: 10. Source: F.S. 701.04(1)
A Florida possessor without color of title claims adverse possession. Besides 7 years of possession, what must the possessor have done within 1 year after entering?Answer: Paid all outstanding taxes and matured special improvement liens on it. Source: F.S. 95.18(1)
The final maturity of a Florida mortgage debt can be read from the recorded mortgage. When does the mortgage lien terminate?Answer: 5 years after the date of maturity. Source: F.S. 95.281(1)
The final maturity of a Florida mortgage debt cannot be read from the record and nothing more is recorded. When does the lien terminate?Answer: 20 years after the date of the mortgage. Source: F.S. 95.281(1)
For how long does a Florida construction lien continue after the claim of lien is recorded, unless an action to enforce it is begun?Answer: 1 year. Source: F.S. 713.22(1)
For how long must an estate in Florida land have been vested of record to give marketable record title under the Marketable Record Title Act?Answer: 30 years or more. Source: F.S. 712.02
How does a claimant keep an interest in Florida land from being extinguished by the Marketable Record Title Act?Answer: By filing a written notice for record within 30 years after the root of title. Source: F.S. 712.05(1)
How is a Florida judgment lien extended for a further 10 years?Answer: By rerecording a certified copy before the lien expires, with an affidavit of the lienholder's address. Source: F.S. 55.10(2)
How long after April 1 of the year a Florida tax certificate was issued may its holder first apply for a tax deed?Answer: After 2 years. Source: F.S. 197.502(1)
Under F.S. 701.04(2), within how many days after a Florida mortgage loan is fully paid must the mortgagee execute a release and send it for recording?Answer: 60. Source: F.S. 701.04(2)
What must a Florida owner record in the clerk's office before actually commencing to improve real property?Answer: A notice of commencement. Source: F.S. 713.13(1)
What rank does the lien of Florida property taxes hold, and from what date?Answer: A first lien, superior to all other liens, from January 1 of the tax year. Source: F.S. 197.122(1)
What turns a Florida judgment into a lien on real property in a county?Answer: Recording a certified copy in the official records, with the lienholder's address. Source: F.S. 55.10(1)
When does a pending Florida lawsuit operate as a lis pendens on real property?Answer: Only if a notice of lis pendens is recorded in the county's official records. Source: F.S. 48.23(1)
Which right survives Florida's Marketable Record Title Act even without a recorded notice?Answer: Rights of a person in possession of the land, so long as that person stays in possession. Source: F.S. 712.03
Within how many years before suit must a plaintiff, or the plaintiff's predecessor, have been seized or possessed of Florida land to bring an action to recover it?Answer: 7. Source: F.S. 95.12
How this list was compiled: The 2026 Florida Statutes, chapters 48, 55, 95, 197, 501, 626, 627, 689, 695, 701, 712, 713, 718 and 732, and Article X, section 4 of the Florida Constitution, read on October 13, 2026 on Online Sunshine, the Florida Legislature's own site (https://www.leg.state.fl.us/statutes/); 12 U.S.C. 2607 and 2608 (2024 edition) and 12 CFR 1026.19 (2025 edition), read the same day at https://www.govinfo.gov. The topics follow the Florida Examination for Title Insurance outline in the Florida Insurance Examination Content Outlines effective January 1, 2026 (https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121003.pdf); the license is the Department of Financial Services' 4-10 Resident Title Insurance Agent (https://myfloridacfo.com/division/agents/licensing/agents-and-adjusters/qualifications). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Florida title insurance exam study guide is 98 practice questions of our own from the Florida Statutes, the state constitution and the federal closing rules the outline names. Not affiliated with the Florida Department of Financial Services.
Read the full guide
The seven parts of the outline
The Examination for Title Insurance outline, effective January 1, 2026, weights closing procedures 21 percent, examination of title 20, rules and statutes 15, the indemnity contract 15, title searches 11, escrow handling 10 and licensing 8.
What is asked and what is not
Questions come from chapters 626 and 627, the conveyance, recording and lien chapters, the homestead clause, and RESPA sections 8 and 9. The Florida Administrative Code title rules and the policy schedules are in the outline but not asked here.
Florida's Marketable Record Title Act runs on 30 years of record title (F.S. 712.02).
A deed needs two subscribing witnesses, and the preparer's name and address, before the clerk records it (F.S. 689.01, 695.26).
Homestead outside a municipality covers 160 acres; inside one, half an acre (Art. X, s. 4).
Questions and answers
How many questions are on the Florida title agent exam?
The content outlines effective January 1, 2026 give the Examination for Title Insurance 70 scored questions plus 5 pretest questions and a time limit of 1.5 hours. The candidate handbook puts the passing score for all examinations at 70 percent.
What do you need before taking the Florida title insurance exam?
F.S. 626.8417 asks for a 40-hour title insurance course with 3 hours of ethics, or 12 months of responsible title insurance duties, within the 4 years before applying. Florida attorneys in good standing need no title agent license.
How much continuing education does a Florida title agent need?
Ten hours every two years in title insurance and escrow management specific to Florida, at least three of them on ethics, rules or compliance (F.S. 626.2815).
Are these the real Florida title exam questions?
No. They are our own, written from the Florida Statutes and federal law. This site has never seen the state exam, and the Florida Department of Financial Services did not write or review them.