Which type of events are generally on a title insurance policy’s schedule of exceptions?

In the closing/title section of the pre-licensing course, learners are taught that a title policy contains Schedules—most notably Schedule A (coverage basics) and Schedule B (exceptions). Schedule B—Exceptions lists specific matters found of record prior to the policy’s effective date (e.g., recorded easements, covenants, restrictions, prior-of-record liens, and taxes/assessments) that are excluded from coverage unless affirmatively insured over or removed.

While policies also include standard exceptions (which can address certain unrecorded matters), the items “generally” shown on the schedule of exceptions are the recorded encumbrances discovered in the title search that predate the policy.