20. Hovercraft liability is specifically excluded from homeowner's coverage: a. True, for any policy using standard language developed by the industry b. False, few people own hovercraft so they are not mentioned in policies 21. Title insurance protects the owner of property or the lender from: a. High interest rates b. Undesirable building projects c. Unknown defects in the title to the property d. The name and title of the development project 22. Consumer advocates argue that the title insurance market has several defects including: a. Title insurance is difficult to obtain b. It is no longer important to protect the name and title of development projects c. Buyers are over-charged for title insurance d. Title insurance is outdated and should be replaced with abstracts of title