You’ve probably seen the ads: “Protect your home from title theft!” Companies promising “title lock” services often market fear—warning you that someone could steal your home right out from under you. But what exactly is title lock, and is it something you actually need?
What Is Title Lock?
Title lock is a subscription-based service that monitors your property’s title for any changes or filings. If someone files a document that affects your property—like a lien or deed transfer—you get notified.
Sounds helpful, right? Sort of. But here’s the key: Title lock doesn’t actually prevent fraud. It only tells you after it’s happened.
What Is Title Insurance?
Title insurance, on the other hand, is a one-time purchase made at closing that protects your legal ownership of the property. If a title issue pops up—like an unknown heir, forged signature, or unpaid lien—your title insurance policy helps cover the legal costs to defend your ownership or reimburse your loss.
The Big Difference
Think of it like this:
- Title lock = alarm system
- Title insurance = homeowner’s insurance
Title lock tells you if something might be wrong. Title insurance actually helps fix it if it is.
So, Do You Need Title Lock?
Probably not. If you already have title insurance from your closing (most buyers do), you have real protection. If you’re unsure, contact us and we can help you review your documents.
Final Thought
Don’t fall for fear-based marketing. Real peace of mind comes from real protection.
Ready to make sure your title is truly secure? Reach out to Tressler Title—we’re here to help you protect what matters.
