A buyer's purchase loan gets only a lender's policy, so the agent owes the buyer a written notice on the director's form. When is it given?Neb. Rev. Stat. 44-19,115(2)
A commitment for an owner's policy on a home resale cannot be delivered before the day of closing. What must the title insurance agent do?Neb. Rev. Stat. 44-19,115(1)
A commitment offers an owner's policy on the resale of an owner-occupied home. When must it reach the buyer?Neb. Rev. Stat. 44-19,115(1)
A lender tells borrowers their loan depends on buying title insurance through one named agent. Knowing this, what may that agent do under Section 44-19,113?Neb. Rev. Stat. 44-19,113
A Nebraska title insurance agent handles escrow deposits. What is the least amount of the surety bond, letter of credit, certificate of deposit or deposit the director requires?Neb. Rev. Stat. 44-19,109(3)
A real estate broker asks a Nebraska title insurance agent to pay for each closing the broker sends. Under the Title Insurance Agent Act, such a payment is:Neb. Rev. Stat. 44-19,111
A title insurance agent hires an outside firm to do its title searches. What does the Act require of that firm?Neb. Rev. Stat. 44-19,109(4)
Show all 116 questions (109 more)
Title insurance acts, continued
A title insurer files a new policy form and the director does not disapprove it. After how many days may the form be used?Neb. Rev. Stat. 44-1998(1)
A title insurer gives its agent notice that the underwriting contract is terminated. What must the agent do?Neb. Rev. Stat. 44-19,114(2)
A title insurer signs a contract with a new title insurance agent. Within how many days must it notify the director in writing?Neb. Rev. Stat. 44-1993(4)
A title order counts as affiliated business. Before the transaction starts, the customer must have a written disclosure of the arrangement and what else?Neb. Rev. Stat. 44-19,112(1)
After notice and a chance to be heard, what is the most the director may order as a penalty for each violation of the Title Insurance Agent Act?Neb. Rev. Stat. 44-19,120(1)
An agent with authority to settle claims must send the insurer a copy of the claim file once the claim has been open for more than how long?Neb. Rev. Stat. 44-19,114(9)
An appointed agent misappropriates escrow funds it handled for a closing on which Insurer A issued the commitment. Under the Title Insurers Act, who is liable for the loss?Neb. Rev. Stat. 44-1993(8)
At what rates may a title insurer charge for coverage whose rates Nebraska regulates?Neb. Rev. Stat. 44-1997(1)
Besides its own penalties, how does Nebraska law treat each violation of the Title Insurance Agent Act?Neb. Rev. Stat. 44-19,121
By the Act's definition, a title insurance policy covers loss from which of these, if it existed on or before the policy date and is not excepted or excluded?Neb. Rev. Stat. 44-1981(20)
The director examines and audits a title insurance agent's books. Who pays the expense?Neb. Rev. Stat. 44-19,110
The director issues a summary cease and desist order to a title insurance agent without a hearing. How long does the agent have to ask for one in writing?Neb. Rev. Stat. 44-19,120.01
For at least how long after a policy is issued must a Nebraska title insurer keep its evidence of the title examination and the determination of insurability?Neb. Rev. Stat. 44-19,100
How does the Title Insurers Act define a title insurance commitment?Neb. Rev. Stat. 44-1981(19)
How much paid-in capital, and how much paid-in initial surplus, must a title insurer have before it is authorized in Nebraska?Neb. Rev. Stat. 44-1985
How must a Nebraska title insurance agent hold funds it collects for the account of a title insurer?Neb. Rev. Stat. 44-19,114(4)
How often must a title insurer review the underwriting, claims and escrow practices of each of its title insurance agents?Neb. Rev. Stat. 44-1993(3)
In a lawful affiliated business arrangement, what is the only thing of value the referring party may receive, other than payments otherwise permitted?Neb. Rev. Stat. 44-19,112(4)
May a Nebraska title insurance agent bind reinsurance on behalf of its title insurer?Neb. Rev. Stat. 44-19,114(11)
On a purchase loan with a lender's policy and no owner's policy ordered, the agent gives the buyer a written notice. What must the notice explain?Neb. Rev. Stat. 44-19,115(2)
To be a title insurance agent under Nebraska law, a person must determine insurability and issue commitments or policies, and also do at least one more thing. Which of these is on the Act's list?Neb. Rev. Stat. 44-19,108(14)
Under Nebraska's Title Insurance Agent Act, a stake in an entity's net profits or net worth becomes a "financial interest" once it reaches what size?Neb. Rev. Stat. 44-19,108(8)
Under the Title Insurance Agent Act, which act is a Nebraska title insurance agent licensed under?Neb. Rev. Stat. 44-19,109(1)
Under the Title Insurance Agent Act, who may go to court to enjoin violations of the federal Real Estate Settlement Procedures Act?Neb. Rev. Stat. 44-19,122
What business may a Nebraska title insurer transact?Neb. Rev. Stat. 44-1983
What does a title insurance agent need before it assigns its underwriting contract to someone else?Neb. Rev. Stat. 44-19,114(7)
What must be in force before a Nebraska title insurance agent places business with a title insurer?Neb. Rev. Stat. 44-19,114(1)
What must every licensed Nebraska title insurance agent keep out of its agency name?Neb. Rev. Stat. 44-19,109(2)
When only a lender's policy is issued on a purchase loan, the buyer signs a notice from the agent. How long is the signed copy kept in the underwriting file after the policy takes effect?Neb. Rev. Stat. 44-19,115(2)
Which document does the Title Insurers Act define as an orderly compilation of the facts of record affecting title to a specific piece of land, issued under a certificate?Neb. Rev. Stat. 44-1981(1)
Which of these is a "producer of title insurance business" under the Title Insurance Agent Act?Neb. Rev. Stat. 44-19,108(10)
Who is left out of the Title Insurance Agent Act's definition of a title insurance agent?Neb. Rev. Stat. 44-19,108(14)
Who may issue a title insurance policy in Nebraska?Neb. Rev. Stat. 44-1982
Escrow and closing rules 12
A buyer hands earnest money to a Nebraska title insurance agent acting as escrow agent. By when must the funds be submitted for collection or deposited in a fiduciary trust account?Neb. Rev. Stat. 44-19,116(1)
A title insurance agent appointed by two title insurers keeps fiduciary trust accounts for its closings. What must it allow?Neb. Rev. Stat. 44-19,116(2)
A title insurance agent holds funds for an exchange under section 1031 of the Internal Revenue Code. What must its separate written disclosure tell the owner of the funds?Neb. Rev. Stat. 44-19,116(1)
A title insurer's agent handles the closing for a proposed insured. The closing or settlement protection the insurer must issue covers loss of settlement funds from which acts of the agent?Neb. Rev. Stat. 44-1984(2)
How do Nebraska's title insurance acts define an escrow?Neb. Rev. Stat. 44-1981(7)
Under Nebraska's real estate closing agent law, good funds must be on hand at closing, except for an amount up to:Neb. Rev. Stat. 76-2,122(2)
Under Nebraska's Title Insurance Agent Act, may closing documents be recorded before the funds are available for disbursement?Neb. Rev. Stat. 44-19,116(3)
What does a title insurance agent need before it disburses funds held in an escrow account?Neb. Rev. Stat. 44-19,116(1)
What does the Act call funds a title insurance agent takes as collateral for an indemnitor's promise, so that the insurer will cover a specific title exception?Neb. Rev. Stat. 44-19,108(13)
Which of these funds, once received, lets a title insurance agent disburse from an escrow account under Section 44-19,116?Neb. Rev. Stat. 44-19,116(1)
Who is not a "real estate closing agent" under Section 76-2,121?Neb. Rev. Stat. 76-2,121(3)
Whose property are funds that sit in a title insurance agent's escrow trust account?Neb. Rev. Stat. 44-19,116(1)
Licensing and regulation 25
A licensed title insurance agent moves to a new address. Within how many days must the director be told?Neb. Rev. Stat. 44-4054(8)
A producer circulates a false statement about a rival insurer's financial condition, calculated to injure it. Which unfair trade practice in Section 44-1525 is this?Neb. Rev. Stat. 44-1525(3)
A producer is criminally prosecuted. From what date does the thirty days to report it to the director run?Neb. Rev. Stat. 44-4065(3)
A producer lets a license lapse. Within how long from the renewal due date may the same license be reinstated with no new examination?Neb. Rev. Stat. 44-4054(5)
A producer plans to do business under a name other than the producer's legal name. What does Section 44-4057 require?Neb. Rev. Stat. 44-4057
A producer surrenders a license while under investigation. For how long after the license ends may a disciplinary proceeding still be started?Neb. Rev. Stat. 44-4059(6)
A title agency organized as a limited liability company applies for a producer license. Whom must it designate?Neb. Rev. Stat. 44-4053(2)
A title producer licensed in another state moves to Nebraska. Within how many days of establishing legal residence must the producer apply to become a resident licensee?Neb. Rev. Stat. 44-4056(2)
After notice and hearing, what is the largest administrative fine per violation under the Insurance Producers Licensing Act?Neb. Rev. Stat. 44-4059(5)
An act listed in Section 44-1525 is an unfair trade practice when committed flagrantly and in conscious disregard of the Act, or when committed:Neb. Rev. Stat. 44-1524
An insurer notifies the director that it has ended a producer's appointment. Within how many days must it mail the producer a copy of the notification?Neb. Rev. Stat. 44-4062(6)
Another state's insurance department takes administrative action against a Nebraska producer. Within how many days of the final disposition must the producer report it to the director?Neb. Rev. Stat. 44-4065(1)
The director may issue a temporary producer license without an examination, for example to a deceased producer's surviving spouse. What is the longest it may run?Neb. Rev. Stat. 44-4058(1)
Does a Nebraska producer license, by itself, give its holder authority to commit an insurer?Neb. Rev. Stat. 44-4049(7)
For unfair trade practices that are not flagrant, the director may order up to $1,000 per violation. What is the cap on the aggregate penalty?Neb. Rev. Stat. 44-1529(1)
How many hours of approved continuing education must a producer licensed only for title insurance complete in each two-year period, before the separate ethics hours?Neb. Rev. Stat. 44-3904(1)
How old must an individual be for the director to approve a resident insurance producer license?Neb. Rev. Stat. 44-4053(1)
On top of the hours for each line, how many hours on insurance industry ethics must a licensee complete in each two-year period?Neb. Rev. Stat. 44-3904(2)
Outside crop insurance, an agent's commissions on business written on the agent, relatives, employer and employees pass a set share of all commissions for the license year. At what share is the license conclusively presumed to have been obtained to get around the rebate law?Neb. Rev. Stat. 44-361.01(2)
Under Section 44-354, any fee or charge included in the sum charged as the consideration for insurance must be:Neb. Rev. Stat. 44-354
Under Section 44-1525(4), an agreed boycott, coercion or intimidation is an unfair trade practice when it results in, or tends to result in:Neb. Rev. Stat. 44-1525(4)
Under Section 44-4061, when must an insurance producer become an appointed agent of an insurer?Neb. Rev. Stat. 44-4061(1)
Which of these is a cause for discipline listed in Section 44-4059?Neb. Rev. Stat. 44-4059(1)
Which of these is a fraudulent insurance act under Section 44-6604?Neb. Rev. Stat. 44-6604(5)
Who is the chief administrative officer of the Nebraska Department of Insurance?Neb. Rev. Stat. 44-101.01
Real property and recording 17
A joint tenant dies. What is filed with the register of deeds to document the surviving joint tenant's title?Neb. Rev. Stat. 76-2,126
A married owner alone signs a deed to the family homestead. What does Section 40-104 say about conveying a married person's homestead?Neb. Rev. Stat. 40-104
A Nebraska owner dies without a will, leaving a spouse and no surviving issue or parent. What is the spouse's intestate share?Neb. Rev. Stat. 30-2302(1)
A recorded power of attorney gives an agent power to convey Nebraska land. How is it revoked under Section 76-246?Neb. Rev. Stat. 76-246
An owner deeds a lot to Avery, who does not record. The owner then deeds the same lot to Blake, who pays value, has no notice of Avery's deed, and records first. Under Section 76-238, Avery's deed is:Neb. Rev. Stat. 76-238(1)
An owner deeds her land to herself and her son as joint tenants. Under Section 76-118, the deed:Neb. Rev. Stat. 76-118(1)
Before whom may a deed be acknowledged in Nebraska under Section 76-217?Neb. Rev. Stat. 76-217
Besides the unbroken record chain, what does Section 76-288 require of a person claiming marketable record title?Neb. Rev. Stat. 76-288
Can a Nebraska joint tenant sever the joint tenancy by a deed of his or her interest to himself or herself?Neb. Rev. Stat. 76-118(4)
Deeds of Nebraska real estate must be signed by the grantor, acknowledged or proved, and recorded. Which interest does Section 76-211 except from that rule?Neb. Rev. Stat. 76-211
For marketable record title in Nebraska, how long must the unbroken chain of title under a recorded deed run?Neb. Rev. Stat. 76-288
From what moment is a Nebraska deed considered recorded?Neb. Rev. Stat. 76-237
To keep an old claim alive against a marketable record title, a verified notice must be filed for record on or before how long after the recording of the deed under which title is claimed?Neb. Rev. Stat. 76-290
What is the value limit of the homestead exempt from judgment liens and forced sale under Section 40-101?Neb. Rev. Stat. 40-101
When is a Nebraska deed or mortgage not deemed lawfully recorded?Neb. Rev. Stat. 76-241
Which judgment can reach a Nebraska homestead in spite of the exemption?Neb. Rev. Stat. 40-103
Within how many years must an action to recover the title or possession of Nebraska land be brought?Neb. Rev. Stat. 25-202(1)
Liens and clearing title 22
A construction lien is recorded while a notice of commencement is in effect for the improvement. As of when does the lien attach?Neb. Rev. Stat. 52-137(2)
A parcel carries a recorded first mortgage, a special assessment and unpaid general real property taxes. Which lien comes first?Neb. Rev. Stat. 77-208
A recorded deed of trust shows no maturity date and none can be worked out from the record. After how many years from its date does the record cease to be notice?Neb. Rev. Stat. 76-239(1)
A recorded mortgage states a maturity date. After how many years from that date does its record cease to be notice to later purchasers for value, unless the holder acts to extend it?Neb. Rev. Stat. 76-239(1)
A recorded notice of commencement states no duration. How long does it last?Neb. Rev. Stat. 52-145(2)
A supplier last furnished materials to a Nebraska building project on March 1. Within how many days of that last furnishing must it record a construction lien?Neb. Rev. Stat. 52-137(1)
A trust deed covers land the trustor farms, outside any city or village. Within what time after the notice of default is filed may the trustor cure the default and reinstate the trust deed?Neb. Rev. Stat. 76-1012(1)
A trustee's sale brings less than the debt. Within what time after the sale may an action for the balance be commenced?Neb. Rev. Stat. 76-1013
After a trustee's sale under the Nebraska Trust Deeds Act, what right of redemption does the trustor have?Neb. Rev. Stat. 76-1010(2)
An owner gives a construction lien claimant a written demand to institute a judicial proceeding. Unless the claimant sues or records an affidavit that the price is not yet due, the lien lapses after:Neb. Rev. Stat. 52-140(2)
Before a Nebraska trustee's sale, a notice of default must be filed for record. Where?Neb. Rev. Stat. 76-1006(1)
For how long after it is recorded does an enforceable Nebraska construction lien continue, if no demand is made and no suit is filed?Neb. Rev. Stat. 52-140(1)
For trust property that is not farm property, how long after the notice of default is filed must the trustee wait before giving notice of sale?Neb. Rev. Stat. 76-1006(1)
From what date are Nebraska real property taxes a first lien on the property taxed?Neb. Rev. Stat. 77-203
From when does a judgment bind the debtor's lands in the county where it is entered?Neb. Rev. Stat. 25-1504
How does a district court judgment become a lien on the debtor's land in another Nebraska county?Neb. Rev. Stat. 25-1303
How is notice of a trustee's sale published under the Nebraska Trust Deeds Act?Neb. Rev. Stat. 76-1007(1)
In a judicial foreclosure, until when may the owner redeem Nebraska real estate from the decree?Neb. Rev. Stat. 25-1530(1)
In a Nebraska trust deed, who is the trustor?Neb. Rev. Stat. 76-1001(2)
No execution is sued out on a Nebraska judgment. After how many years does it become dormant and cease to operate as a lien on the debtor's estate?Neb. Rev. Stat. 25-1515
The record of an old unpaid mortgage is about to cease to be notice under Section 76-239. How can the holder keep it effective as notice for ten more years?Neb. Rev. Stat. 76-239(2)
When does the trustee under a Nebraska trust deed have a power of sale?Neb. Rev. Stat. 76-1005
How this list was compiled: Nebraska Revised Statutes: the Title Insurers Act (Sections 44-1978 to 44-19,105) and the Title Insurance Agent Act (44-19,106 to 44-19,123); the Insurance Producers Licensing Act (44-4049 to 44-4065); Sections 44-101.01, 44-354, 44-361.01, 44-1524, 44-1525, 44-1529, 44-3904 and 44-6604; and Sections 25-202, 25-1303, 25-1504, 25-1515, 25-1530, 30-2302, 40-101, 40-103, 40-104, 52-137, 52-140, 52-145, 76-118, 76-211, 76-217, 76-237 to 76-241, 76-246, 76-288, 76-290, 76-1001 to 76-1013, 76-2,121, 76-2,122, 76-2,126, 77-203, 77-208 and 77-209, read on October 13, 2026 on the Nebraska Legislature's website (https://nebraskalegislature.gov/laws/browse-statutes.php). The topics follow the Nebraska Department of Insurance's content outline for the Producer's Examination for Title Insurance, Series 13-16, in the outlines effective February 1, 2025 (linked from https://doi.nebraska.gov/sites/default/files/doc/NEInsCO2.pdf). Each question names its section and links to it. 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 Nebraska title insurance practice test asks the law behind the Title producer exam, Series 13-16: 116 of our own questions from Nebraska's title insurance acts and recording and lien statutes. Not affiliated with the Nebraska Department of Insurance.
Read the full guide
What the real exam holds
The Department's Series 13-16 outline weights five parts: insurance regulation 12 percent, general insurance 8, real property 26, title insurance 30, and title exceptions and clearing title 24.
What is asked here, and what is not
Every question rests on a Nebraska statute: the Title Insurers Act, the Title Insurance Agent Act, the Insurance Producers Licensing Act, the unfair practices and fraud acts, and the deed, recording, trust deed, judgment and construction lien statutes. Policy forms, legal descriptions, search technique and general insurance theory are not public law and are not asked.
Escrow funds go into a separate fiduciary trust account by the close of the next business day (Section 44-19,116).
Marketable record title takes a 22-year recorded chain and possession; an old claim needs a notice filed within 23 years (Sections 76-288, 76-290).
A trustee's sale leaves no right of redemption, and a deficiency suit must start within three months (Sections 76-1010, 76-1013).
Questions and answers
How many questions are on the Nebraska title insurance exam?
50 scored questions, plus 5 unscored items, with a one-hour time limit, by the Department's Series 13-16 content outline in the outlines effective February 1, 2025.
What score passes the Nebraska title insurance exam?
The Department's Candidate Information Bulletin lists 70 percent, or 35 correct of 50.
What bond does a Nebraska title insurance agent need?
An agent, with any bona fide employee handling escrow or security deposits, keeps a surety bond, letter of credit, certificate of deposit or deposit of at least $100,000 covering all the agent's employees, under Section 44-19,109.
How much continuing education does a Nebraska title agent need?
Six hours in each two-year period for the title line, plus three hours on insurance industry ethics, under Section 44-3904.