Considering the situation described above, the point at which the family members acquire interest or title is "After the owner dies."
Will is simply a legal document that communicates an individual's wishes about sharing his property.
Given that a Will only becomes effective after the death of the maker; therefore, the point at which the family members acquire interest or title is "after the owner dies."
Hence, in this case, it is concluded that the correct answer is "after the owner dies."
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