Which of the following is a type of lien?

A property tax lien is a type of lien that is placed on real estate by the government when property taxes are not paid. This lien secures the government's interest in the property and gives them the right to take legal action to collect the owed taxes, potentially leading to foreclosure if the taxes remain unpaid.

Liens are a legal claim against a property that must be paid when the property is sold. They can arise from various situations, such as an unpaid mortgage, contractor agreements, or, as highlighted, property taxes. Understanding property tax liens is crucial for both property owners and real estate professionals, as they impact ownership and can influence the marketability of a property.

The other options listed do not qualify as liens. A home warranty is a service contract that covers the repair or replacement of major home components, an insurance policy is an agreement that protects against loss or damage, and a use variance is a zoning change that permits a property owner to use the property in a way that differs from the existing zoning laws. Each serves distinct roles but does not create a claim against the property like a lien does.