Protecting Your Homeownership: The Truth About Title Lock Insurance

9/19/2025

You may have noticed an increase in ads on television and social media claiming that criminals can “steal the title” to your home and take ownership without you knowing. These ads often promote services called title lock insurance, with the goal of stirring up fear.

At LincOne Federal Credit Union, we want you to know the facts and to feel confident that your property and information are protected.

Title Theft Is Rare

While the idea of someone recording a fake deed in your name sounds alarming, title theft is actually very uncommon. Even if it were attempted, it would not erase your legal ownership of your home. Your deed, which is recorded with your county, ensures you remain the rightful owner.

Despite the name, title lock insurance is not true insurance. These services cannot stop fraud from occurring; they can only notify you after a change has been made to your property records.

How You’re Already Protected

When you work with LincOne Federal Credit Union, your mortgage includes protection through title insurance. Before your loan closes, a full title search is conducted to confirm that ownership is valid. This safeguards your legal rights and assures that your property records are accurate.

Ways You Can Stay Proactive

Although you are protected, there are simple steps you can take to keep an extra eye on your property and finances:

  • Check if your county offers alerts: Many counties provide free notification services that send you an email or text whenever a new document is filed on your property.

  • Review your property records: Make it a habit to check your county recorder’s website for updates periodically.

  • Monitor your credit: Regularly review your credit report, and consider a credit freeze if you’re not applying for new credit.

  • Watch your bills: Sudden changes in your utility, mortgage, or tax statements can be a red flag for identity theft. Contact your provider immediately if you notice anything unusual.

Our Commitment

Your home is more than just a building; it’s where memories are made and life happens. With the protection of title insurance, county record verification, and proactive monitoring tools, you can rest assured that your homeownership is secure.

At LincOne Federal Credit Union, we’re here to help you protect what matters most: your financial security and your home.



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