Which of the following is included as a standard exception in title insurance policies?

In title insurance policies, real estate taxes are included as a standard exception because they represent an ongoing financial obligation related to the property. Property taxes can vary based on local government assessments and can arise from previous owners or current obligations. Title insurance typically does not cover these taxes as they are expected to be a part of property ownership, and the insured party is responsible for them.

Unpaid utilities, repairs and maintenance costs, and neighborhood disputes are not standard exceptions in title insurance policies. Unpaid utilities are usually addressed specifically in a property's closing documents, while repairs and maintenance are ongoing responsibilities of the property owner and are external to insurance coverage. Neighborhood disputes may involve legal claims or issues not covered by title insurance, which focuses primarily on the ownership and legal status of the title itself rather than interpersonal conflicts or obligations related to property upkeep and services.