Is My Home’s Title Protected? How to Check and Secure It
As a homeowner, you assume that because your name is on the deed, your ownership is secure. But what protections do you actually have in place against errors from the past or fraud in the future? Answering the question “Is my home’s title protected?” requires understanding two key concepts: title insurance and title monitoring.
This guide explains how to check on your title and how to ensure it has comprehensive protection.
Step 1: Check Your Public Records
Your home’s title and deed are public records. You can check their status by searching your county recorder’s online database by your name or property address. Look for any unexpected filings, liens, or changes in ownership. This provides a snapshot in time but isn’t ongoing protection.
Step 2: Understand Your Existing Protection (Title Insurance)
When you purchased your home, you bought a title insurance policy.
- What it covers: Title insurance protects you from problems in the past, such as an unknown lien or filing error from before you owned the home.
- What it does NOT cover: It offers zero protection against fraud or title theft that happens after you close on the home.
Step 3: Secure Your Title for the Future (Title Monitoring)
To protect your title from future threats, you need an ongoing service called home title monitoring. This service acts like a 24/7 security alarm for your home’s ownership. It continuously scans public records and sends you an instant alert if any new deed, lien, or loan is filed against your property. For complete protection, every homeowner needs both title insurance (for the past) and title monitoring (for the future).
Why Domidocs is the Best Choice for Securing Your Title
Domidocs provides the essential, forward-looking protection that your title insurance policy lacks.
1. Proactive, 24/7 Monitoring
Our Home Title Monitoring service is your always-on watchdog. We continuously scan property records for any changes and notify you instantly, giving you the power to act before criminals can cause financial damage.
2. A Complete, Integrated Solution
We don’t just send an alert; we provide a complete platform to manage the situation. Your original deed and other proofs of ownership are already stored in your secure Domidocs vault, ready to be used to fight any fraudulent claims. We provide comprehensive protection every homeowner needs to be truly secure in their ownership.
HomeLock™ is the one Property Fraud Protection service that CAN notify you before, during, and immediately after fraud occurs. If more homeowners had HomeLock™, we wouldn’t see so many scammers like this husband and wife who have defrauded dozens of homeowners!
See how DomiDocs and HomeLock™ can protect your home in this Press Release! This layered approach protects both your legal ownership and your financial identity. For more information, read our article on how HomeLock™ can protect you from Title and Deed Fraud.