Hence, they’ll notice your lack of activity and make a move because they know you aren’t paying attention. Enterprising crooks know you’re typically more involved in the upkeep and maintenance of the primary home where your family lives. There can be some utility in title lock insurance, especially if you have multiple properties - including second/vacation homes that sit vacant for long stretches of the year. A title lock company offers peace of mind that your title is secure from outside interference that could cost you lots of money. More of a monitoring service than actual insurance, title lock insurance actively examines title claims in public records around the globe to ensure that someone isn’t making a false claim against one of your homes.

Title lock insurance entered the game with the promise of protecting homeowners from title fraud. If people can gain access to your personal information, they can file false claims on one of your properties on your behalf and engage in all manner of nefarious activities, such as: Now, it’s considered one of the largest forms of cybercrime in the world because it’s fundamentally a matter of identity theft. Title theft as a concept didn’t exist until the rise of the Internet.

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