Before a Pennsylvania title policy is written, what must the insurer have done?40 P.S. § 910-7 (Insurance Company Law of 1921, Sec. 707)
For at least how long is the written report of a title examination kept on file after the policy is issued?40 P.S. § 910-7 (Insurance Company Law of 1921, Sec. 707)
Through whom may a title insurer conduct the examination of title that Section 707 requires?40 P.S. § 910-7 (Insurance Company Law of 1921, Sec. 707)
What is an "approved attorney" in Pennsylvania's title insurance article?40 P.S. § 910-1 (Insurance Company Law of 1921, Sec. 701)
What may a Pennsylvania title insurance company never guarantee?40 P.S. § 910-9 (Insurance Company Law of 1921, Sec. 709)
Which business falls within "title insurance" under Section 701?40 P.S. § 910-1 (Insurance Company Law of 1921, Sec. 701)
Which charge is part of the "fee" for title insurance as the article defines the word?40 P.S. § 910-1 (Insurance Company Law of 1921, Sec. 701)
Show all 114 questions (107 more)
Title insurers, rate filings and penalties 13
A title insurer stops insuring titles. After what period without use is it forever barred from that power?40 P.S. § 910-10 (Insurance Company Law of 1921, Sec. 710)
An insurer files a deviation from its rating organization's rates. Unless ended sooner with approval, how long is the deviation effective?40 P.S. § 910-42 (Insurance Company Law of 1921, Sec. 742)
Before disapproving a title rate filing, the commissioner holds a hearing on at least how many days' written notice?40 P.S. § 910-40 (Insurance Company Law of 1921, Sec. 740)
Beside its minimum capital, how much paid-in initial surplus must a title insurance company have?40 P.S. § 910-5 (Insurance Company Law of 1921, Sec. 705)
The commissioner finds a violation of the title insurance article that was not wilful. What is the largest penalty for each violation?40 P.S. § 910-48 (Insurance Company Law of 1921, Sec. 748)
How long does a title rating organization's license stay in effect unless suspended, revoked or withdrawn?40 P.S. § 910-41 (Insurance Company Law of 1921, Sec. 741)
How long must a title rate filing be on file before it takes effect, absent an extension or early approval?40 P.S. § 910-37 (Insurance Company Law of 1921, Sec. 737)
How often must the commissioner examine a licensed title rating organization?40 P.S. § 910-45 (Insurance Company Law of 1921, Sec. 745)
What fee may a title agent charge for a policy of title insurance?40 P.S. § 910-37 (Insurance Company Law of 1921, Sec. 737)
What is the minimum paid-in capital of a Pennsylvania title insurance company?40 P.S. § 910-5 (Insurance Company Law of 1921, Sec. 705)
What must title insurance rates not be, under Section 739?40 P.S. § 910-39 (Insurance Company Law of 1921, Sec. 739)
When is the justification filed with a title rate open to public inspection?40 P.S. § 910-38 (Insurance Company Law of 1921, Sec. 738)
When may a rate higher than the filed rate be used on one specific risk?40 P.S. § 910-37 (Insurance Company Law of 1921, Sec. 737)
Agent licensing, appointment and penalties 18
A court finds unfair practices that the person knew were violations. What is the aggregate civil penalty cap in any six-month period?40 P.S. § 1171.11 (Unfair Insurance Practices Act, Sec. 11)
A licensee moves its office. How soon must the Department be told of the change of address?40 P.S. § 310.11 (Insurance Department Act of 1921, Sec. 611-A)
A title agent is an attorney who meets the continuing legal education requirement. How many credit hours of title insurance courses must she still complete?40 P.S. § 910-26 (Insurance Company Law of 1921, Sec. 726)
After a hearing finds a violation of the producer licensing article, what is the largest civil penalty the commissioner may impose for each action in violation?40 P.S. § 310.91 (Insurance Department Act of 1921, Sec. 691-A)
An agent does not answer the commissioner's written inquiry about its title insurance business. What does Section 728 make of the failure?40 P.S. § 910-28 (Insurance Company Law of 1921, Sec. 728)
An insurer has appointed a title agent as its producer. What ends the appointment?40 P.S. § 310.71 (Insurance Department Act of 1921, Sec. 671-A)
Another state's regulator takes administrative action against a Pennsylvania licensee. What must the licensee send the Department with its report?40 P.S. § 310.78 (Insurance Department Act of 1921, Sec. 678-A)
By the definition in Section 724, which act does every title insurance agent perform for its insurer?40 P.S. § 910-24 (Insurance Company Law of 1921, Sec. 724)
The commissioner sends notice of an unfair practice charge by certified mail. The hearing may not be set sooner than how many days from the notice?40 P.S. § 1171.8 (Unfair Insurance Practices Act, Sec. 8)
The Department sends notice of an alleged violation of the producer licensing article. The hearing is set at least how many days after the notice?40 P.S. § 310.91 (Insurance Department Act of 1921, Sec. 691-A)
How many continuing education credit hours must a title insurance agent complete for each licensing period?40 P.S. § 910-26 (Insurance Company Law of 1921, Sec. 726)
Section 724 leaves one of these out of the word "agent". Which one?40 P.S. § 910-24 (Insurance Company Law of 1921, Sec. 724)
Under what arrangement must a title insurance agent perform its acts for an insurer?40 P.S. § 910-24.1 (Insurance Company Law of 1921, Sec. 724.1)
What must the examination for title insurance agents demonstrate, by Section 726?40 P.S. § 910-26 (Insurance Company Law of 1921, Sec. 726)
When does a title insurance agent's certificate of qualification expire?40 P.S. § 910-26 (Insurance Company Law of 1921, Sec. 726)
Which word may an agent for a title insurance company not put in a firm name it adopts, by Section 729?40 P.S. § 910-29 (Insurance Company Law of 1921, Sec. 729)
Who files the notice of a producer's appointment with the Insurance Department?40 P.S. § 310.71 (Insurance Department Act of 1921, Sec. 671-A)
Who is billed the annual fee for each producer appointed during the year?40 P.S. § 310.71 (Insurance Department Act of 1921, Sec. 671-A)
Escrow funds, bonds and records 15
A creditor of a title agent tries to reach money in the agent's settlement trust account. What does Section 739.1 say?40 P.S. § 910-39.1 (Insurance Company Law of 1921, Sec. 739.1)
A surety cancels a title agent's bond. How much notice must the Insurance Department have before the cancellation is effective?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
A title agency must carry a blanket fidelity bond covering all agency employees. What is the least amount of the bond?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
An agent writes policies for two title insurers. How must it keep its records of business written?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
How does a title agent hold the funds it collects that are due its title insurer?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
How must a title agent keep its books and records of the title insurance business?40 P.S. § 910-27 (Insurance Company Law of 1921, Sec. 727)
May a title insurer supply the fidelity bond or the surety bond for its own agent?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
Section 739.1 lets a title agent run a closing business on conditions. Which record is one of them?40 P.S. § 910-39.1 (Insurance Company Law of 1921, Sec. 739.1)
What does the title agent's surety bond of at least $100,000 secure?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
What is the largest deductible allowed on a title agent's errors and omissions policy?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
What is the least errors and omissions coverage per claim that a title insurance agent must carry?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
When may an insurance producer mingle funds received as a producer with its own funds?40 P.S. § 310.96 (Insurance Department Act of 1921, Sec. 696-A)
Where must funds deposited for an escrow, settlement or closing be placed?40 P.S. § 910-39.1 (Insurance Company Law of 1921, Sec. 739.1)
Which title agency may apply to the Department for a waiver of the blanket fidelity bond?40 P.S. § 910-26.1 (Insurance Company Law of 1921, Sec. 726.1)
Who assumes financial responsibility for the acts a title insurance agent was appointed to perform?40 P.S. § 910-24.2 (Insurance Company Law of 1921, Sec. 724.2)
Rebates, inducements and charges 12
A kind of consideration for referrals is not named anywhere in Section 731. What follows?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
A title agent offers to pay the rent of a real estate office that sends it buyers. How does Section 731 treat the offer?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
An agent issues a commitment to insure and charges nothing for it. How does 31 Pa. Code 125.2 treat this?31 Pa. Code § 125.2
May the amount paid for a commitment be credited to the premium for the final policy issued on it?31 Pa. Code § 125.2
Section 731 bars a title insurer or its agent from paying any compensation to whom?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
Two title agents divide a fee between them. What does Section 739.2 say of the division?40 P.S. § 910-39.2 (Insurance Company Law of 1921, Sec. 739.2)
What is the least an insurer may charge for a title report or a commitment to insure?31 Pa. Code § 125.2
When is a reasonable expenditure for food or entertainment not an inducement under Section 731?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
Which act does Section 731 list as a per se inducement for the referral of title business?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
Which advance of money into an escrow is not a per se inducement under Section 731?40 P.S. § 910-31 (Insurance Company Law of 1921, Sec. 731)
Which person is an "applicant for insurance" under the title insurance article?40 P.S. § 910-1 (Insurance Company Law of 1921, Sec. 701)
Which practice does 31 Pa. Code 125.3 name as an illegal rebate and inducement?31 Pa. Code § 125.3
Ownership, recording and estates 17
A document affecting title is filed and indexed with the common pleas clerk of the county where the land lies. What is its effect?42 Pa.C.S. § 4302(a)
A married couple holds land as tenants by the entireties and then divorces. Absent a court order, how do they hold it afterward?23 Pa.C.S. § 3507
A Pennsylvania owner dies without a will, survived by a spouse and by children who are all the spouse's children too. What is the spouse's intestate share?20 Pa.C.S. § 2102
A possessor files the quiet title action that the ten-year adverse possession section requires. How long do the record owners have to answer with an action in ejectment?42 Pa.C.S. § 5527.1(d)
A spouse willfully and maliciously deserted the other. After how long a desertion before the death does the deserter lose any intestate share?20 Pa.C.S. § 2106
A will specifically devises a farm to a nephew. How may the personal representative sell that farm under Section 3351?20 Pa.C.S. § 3351
A writing in a foreign language is filed in the court records. When does it give notice to anyone?42 Pa.C.S. § 4302(c)
After a divorce, one former spouse deeds her interest in former entireties land to the other. What does the grantee then hold?23 Pa.C.S. § 3508
Against whom is an unrecorded deed "fraudulent and void" under the 1925 recording act?Act of May 12, 1925, P.L. 613, No. 327, Sec. 1
An intestate owner leaves a spouse and a child from an earlier marriage. What is the surviving spouse's share?20 Pa.C.S. § 2102
An intestate owner leaves no spouse and no issue. Who takes the estate next?20 Pa.C.S. § 2103
Outside the special ten-year rule, an action for the possession of real property must be commenced within how many years?42 Pa.C.S. § 5530(a)
Section 5527.1 lets title pass by adverse possession after no less than 10 years. To which land does it apply?42 Pa.C.S. § 5527.1
What becomes of a widow's common law dower when she takes her share under Title 20?20 Pa.C.S. § 2105
What must be done to a deed before it is recorded?Act of May 12, 1925, P.L. 613, No. 327, Sec. 1
Where is a deed to Pennsylvania land recorded?Act of May 12, 1925, P.L. 613, No. 327, Sec. 1
Which land is outside the ten-year adverse possession section altogether?42 Pa.C.S. § 5527.1(f)
Liens, judgments and clearing title 32
A bank lends the purchase price at closing and takes a mortgage. What more must the mortgage do to be a "purchase money mortgage" under Section 8141?42 Pa.C.S. § 8141(1)
A buyer sues for specific performance of a contract for the sale of real property. Within how many years must the action be commenced?42 Pa.C.S. § 5526
A federal court sitting in another Pennsylvania county enters a judgment. What makes it a lien on land in your county?42 Pa.C.S. § 4305
A first mortgage is foreclosed and the land is sold. What becomes of a second mortgage that is later in lien?42 Pa.C.S. § 8152(c)
A judgment creditor sells its debtor's land at a judicial sale. A mortgage on the land is prior to every other lien. What happens to the mortgage lien?42 Pa.C.S. § 8152(a)
A judgment of another state is filed under the Uniform Enforcement of Foreign Judgments Act. From what date is it a lien?42 Pa.C.S. § 4306(b)
A mechanics' lien claim has been filed. Unless the owner extends the time in writing, an action for judgment on it must be commenced within how long?Mechanics' Lien Law of 1963, Sec. 701
A mechanics' lien is subordinate to an open-end mortgage when at least what share of the mortgage proceeds pays construction costs?Mechanics' Lien Law of 1963, Sec. 508
A mortgagee has been paid in full and has received the mortgagor's first written request for a satisfaction piece. Within how many days must it present one for recording to avoid the penalty?Mortgage Satisfaction Act, Sec. 6
A paid mechanics' lien claimant ignores a written request to satisfy the record. What is the most the court may set as a penalty for the party aggrieved?Mechanics' Lien Law of 1963, Sec. 704
A purchase money mortgage has priority from its delivery to the mortgagee if it is recorded within how many days after its date?42 Pa.C.S. § 8141(1)
A residential mortgage was paid off at settlement and no satisfaction piece has been recorded. How long after the payoff may the settlement officer send its notice of intent?Mortgage Satisfaction Act, Sec. 7
A settlement officer satisfaction is for residential mortgages only. How many residential units may the mortgaged real estate hold?Mortgage Satisfaction Act, Sec. 2
A subcontractor means to file a mechanics' lien claim. How long before filing must it give the owner formal written notice of its intention?Mechanics' Lien Law of 1963, Sec. 501
After filing a mechanics' lien claim, how soon must the claimant serve written notice of the filing on the owner?Mechanics' Lien Law of 1963, Sec. 502
An action to revive a judgment lien on real property must be commenced within how many years?42 Pa.C.S. § 5526
An execution against personal property must be issued within how many years after the judgment is entered?42 Pa.C.S. § 5529(a)
An owner enters a rule on a subcontractor to file its mechanics' lien claim. How long after notice of the rule does the subcontractor have before it is forever barred?Mechanics' Lien Law of 1963, Sec. 506
An owner sells a house in good faith and for value before a claim for repairs is filed. What becomes of the repair contractor's lien?Mechanics' Lien Law of 1963, Sec. 303
Before a residential mortgage lender may accelerate the debt or start foreclosure, how far in advance must it give notice of its intention?Loan Interest and Protection Law (Act 6 of 1974), Sec. 403
From what time does a mortgage that is not a purchase money mortgage have priority over other liens?42 Pa.C.S. § 8141(2)
From when does a mechanics' lien for the alteration or repair of a building take effect and have priority?Mechanics' Lien Law of 1963, Sec. 508
From when does a mechanics' lien for the construction of a new building take effect and have priority?Mechanics' Lien Law of 1963, Sec. 508
How is a paid mortgage satisfied of record under the Mortgage Satisfaction Act?Mortgage Satisfaction Act, Sec. 3
How is the notice of intention to foreclose on a residential mortgage sent to the debtor?Loan Interest and Protection Law (Act 6 of 1974), Sec. 403
How many times in a calendar year may a residential mortgage debtor cure a default under Act 6?Loan Interest and Protection Law (Act 6 of 1974), Sec. 404
To perfect a mechanics' lien, a claimant files its claim with the prothonotary within what time after completing its work?Mechanics' Lien Law of 1963, Sec. 502
Until when may a residential mortgage debtor cure a default and prevent a sheriff's sale?Loan Interest and Protection Law (Act 6 of 1974), Sec. 404
What is the ceiling on the penalty a mortgagee pays the mortgagor for failing to satisfy a paid mortgage?Mortgage Satisfaction Act, Sec. 6
When does a money judgment of a court of common pleas become a lien on real property?42 Pa.C.S. § 4303(a)
When is the Act 6 notice of intention to foreclose not required?Loan Interest and Protection Law (Act 6 of 1974), Sec. 403
Who may act as a "settlement officer" under the Mortgage Satisfaction Act?Mortgage Satisfaction Act, Sec. 2
How this list was compiled: Pennsylvania statutes read on October 16, 2026 on the General Assembly's site (https://www.legis.state.pa.us): The Insurance Company Law of 1921 (Act 284), Article VII, Title Insurance Companies, sections 701 to 748 (40 P.S. §§ 910-1 to 910-48); The Insurance Department Act of 1921 (Act 285), sections 607-A, 611-A, 671-A, 678-A, 691-A and 696-A (40 P.S. §§ 310.7 to 310.96); the Unfair Insurance Practices Act (Act 205 of 1974), sections 8, 9 and 11; the act of May 12, 1925 (P.L. 613, No. 327) on the recording of deeds; the Mechanics' Lien Law of 1963 (Act 497); the Mortgage Satisfaction Act (Act 197 of 2002); the Loan Interest and Protection Law (Act 6 of 1974), sections 403 and 404; and the Pennsylvania Consolidated Statutes, 20 Pa.C.S. §§ 2102 to 2106 and 3351, 23 Pa.C.S. §§ 3507 and 3508, and 42 Pa.C.S. §§ 4302 to 4306, 5526 to 5530, 8141 and 8152. 31 Pa. Code Chapter 125 (title insurance rebates and charges), read the same day in the Pennsylvania Code (https://www.pacodeandbulletin.gov). The topics follow the content outline Pennsylvania Producer's Examination for Title Insurance, Series 16-10 (https://proctor2.psionline.com/media/programs/PAINS/16-10xx.pdf), which the Pennsylvania Insurance Department's Candidate Information Booklet effective January 22, 2026 links for exams from March 1, 2026. Each question names its section and links to the act, chapter or rule that holds 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 PA title insurance practice test asks the law behind the Title Insurance Agent exam: 114 of our own questions from Pennsylvania's title insurance article and its lien and recording statutes. Not affiliated with the Pennsylvania Insurance Department.
Read the full guide
What the real exam holds
The Series 16-10 outline gives real estate transactions 31 percent of the exam, title insurance 23, title exceptions and clearing title 21, insurance regulation 12, real property 10 and general insurance concepts 3.
What is asked here, and what is not
Questions come from the law the outline cites or that settles its topics: the title insurance article, the producer licensing sections, Chapter 125 of the Department's rules, and the recording, judgment, mechanics' lien, mortgage satisfaction, foreclosure notice and intestate statutes. Policy forms, legal descriptions, search technique, RESPA and textbook insurance concepts are not asked.
The written report of a title examination stays on file at least 20 years after the policy issues (40 P.S. § 910-7).
Agents carry errors and omissions cover of $250,000 a claim, a $150,000 fidelity bond and a $100,000 surety bond (40 P.S. § 910-26.1).
File a mechanics' lien claim within six months of finishing the work; a subcontractor gives 30 days' notice first (Mechanics' Lien Law, Sections 501, 502).
Questions and answers
How many questions are on the PA title insurance exam?
60 items in 80 minutes, by the Series 16-10 content outline. The Department's Candidate Information Booklet effective January 22, 2026 sets the minimum passing score at 70 percent and the examination fee at $45.
Is there a Pennsylvania title insurance examination study guide?
The booklet says the Department reviews and approves no study materials. The Series 16-10 outline lists the topics and names the law behind the regulation part: sections of 40 P.S. and 31 Pa. Code Chapter 125. The questions here are written from that law.
Do nonresidents have to take the PA title agent exam?
Yes. The booklet says the examination waiver for nonresident producers does not reach title insurance: nonresident title insurance agent applicants must pass the Title Insurance Agent examination and submit fingerprints.
How much continuing education does a PA title agent need?
24 credit hours for each licensing period. An agent who is an attorney and meets the continuing legal education requirement needs at least three credit hours of title insurance courses (40 P.S. § 910-26).