Which form of evidence of title does not insure against unmarketability of title?

• A. Construction Loan Policy
• B. Commitment Title Insurance
• C. ALTA Owner's Policy
• D. Trustee's Certificate

Answer: (B)

The key idea here is understanding how title evidence interacts with true title insurance. A commitment for title insurance is not insurance itself; it’s a promise to issue a policy later, subject to conditions being met. Because it isn’t a completed policy, it does not provide coverage for risks like unmarketability of title. Only once the actual title policy is issued do you have insured protection against defects that could make title unmarketable. So, among the options, the commitment for title insurance is the form that does not insure against unmarketability. The other forms listed represent actual insurance coverage (or typical evidence used in confirming title) that can protect against title defects affecting marketability.