[Challenger]

Originally Posted by caseycasebeer

This is somewhat ‘off the “title insurance” topic, so let me apologize.

I have heard a radio commercial for “title lock insurance” several times and wonder if this advisable, or is it a newish scam?

Supposedly, “...according to the FBI” title theft is a major and growing problem. Supposedly a fraudster will hack county records and revise your property title to show him(her)self as the new owner, then retitle, get loans, arrange to sell your property, etc.

Of course the “title lock” company will sell you protection for $xx/month to give you peace-of-mind. Naturally they are willing to check your title’s validity for free if you merely give them your name, address, etc. Sounded scamish to me.

Just for the heck of it I went to the Sumter County record office to make sure no one had been messing with my ‘records. I was safe ... whew! I was also assured that the records department would become quite curious if anyone other than the listed taxpayer were to initiate a claim on my property.

Any thoughts, or was I just being paranoid?

Thanks / Casey

This coverage would be included under the Owners policy bought when settled on the purchase. The Title company would provide a defense against such a claim, at their total expense.