New Jersey Title Insurance Producer Exam 2025 – 400 Free Practice Questions to Pass the Exam

The term that refers to a structure that extends onto another's property is encroachment. Encroachment occurs when a physical object, such as a fence, building, or other structure, crosses the boundary line and intrudes onto neighboring property without permission. This can lead to potential disputes between property owners regarding property lines and use rights.

Understanding encroachment is crucial, especially for title insurance producers, as it can affect property value, ownership rights, and the responsibilities of property owners. When encroachments occur, it may be necessary for property owners to seek legal advice or remedies to resolve the issues that arise from overlapping property claims.

The other terms, while related to property rights and real estate, do not describe the situation of a structure extending into another's property. An easement grants the right to use another person's land for a specific purpose but does not imply physical encroachment. A commitment is a promise regarding a future action or obligation, often seen in contracts or agreements, and an index relates to a system of organizing or categorizing information rather than physical property issues.