Which item would typically be included as an exception in a title policy?

Including access roads and easements as exceptions in a title policy reflects the importance of recognizing existing rights or claims affecting the property in question. These encumbrances can have a significant impact on the use and enjoyment of the property.

Access roads might grant other parties the right to use a portion of the property for ingress and egress, potentially affecting the owner's ability to control access to their land. Similarly, easements allow others to use the land in specified ways, which could restrict the owner’s complete freedom to utilize their property as they wish. Listing these items as exceptions in the title policy ensures that potential buyers are fully informed about existing rights that may influence their ownership experience.

In contrast, hunting and fishing rights, while they may impact property use, are often considered personal rights and may not always be officially recorded. Property taxes due are typically considered a liability of the seller, while liens from contractors can reflect outstanding debts that affect the title, often requiring resolution before the closing. These items may not directly reflect ongoing use rights in the same manner as access roads and easements do, allowing them to be excluded from typical exceptions in title policies.