What service that helps protect your property against title fraud?

Hello, great question.

Title lock is a service that helps protect your property against title fraud. It does this by monitoring public records for changes in ownership and flagging any suspicious activity. This helps to ensure that only legitimate transfers of ownership are taking place. Additionally, Title Lock will also alert you to any activity that may be related to identity theft, such as a change in address or the opening of new accounts in your name. This helps to protect you against fraudsters attempting to steal your property by changing ownership on the vesting deed.

Title insurance is the primary service that protects property owners against title fraud. It’s a one-time insurance premium typically purchased when buying property that protects against:

1. Unknown title defects that existed before you bought the property
2. Fraudulent claims to ownership
3. Forged documents
4. Errors in public records

Some additional protective services include:

1. Title monitoring services – These companies actively monitor your property records and alert you to any changes or suspicious activity
2. Property fraud alert programs – Many county recorder offices offer free notification services that alert property owners when documents are filed relating to their property
3. Owner’s title insurance policy – This specifically protects your ownership interest (different from lender’s title insurance which only protects the lender)
4. Legal identity theft protection services – While not specific to property, these services can help detect attempts at identity theft that could lead to title fraud

Title Insurance:

• This is your primary defense against title fraud. It covers legal fees and losses if someone challenges your ownership or if previous liens/claims emerge
• There are two types: owner’s policy (protects you) and lender’s policy (protects your mortgage company)
• Unlike other insurance, you pay once at closing rather than monthly premiums
• Covers issues like forged deeds, undisclosed heirs, or incorrect public records

Title Monitoring Services:

• Companies like Home Title Lock actively scan public records for any changes to your property’s title
• They alert you immediately if someone tries to file a deed, lien, or other documents against your property
• Some services also help with fraud recovery and provide insurance coverage
• Monthly subscription fees typically range from $7-15

Property Fraud Alert Programs:

• Many county recorders’ offices offer free notification services
• You register your property, and they notify you when any documents are filed relating to it
• This gives you early warning of potential fraud attempts
• Check your local county recorder’s website to see if this service is available in your area

Identity Theft Protection:

• Services like LifeLock or Identity Guard can catch identity theft early
• They monitor credit reports, public records, and dark web activity
• While not specific to property, they can catch identity thieves before they attempt title fraud
• Often includes recovery services and insurance if your identity is stolen

Customer support team
US TITLE RECORDS