Understanding Home Title Lock’s Million Dollar TripleLock® Protection Warranty
When it comes to protecting your most valuable asset, your home, the power of your restoration plan matters. The FBI warns that title fraud, often carried out through forged quitclaim deeds, is rising rapidly across America. Yet most homeowners are stunned to learn that neither homeowners insurance nor traditional title insurance will protect them from this type of crime once they already own their home. That gap is where Home Title Lock steps in, with our Million Dollar TripleLock® Protection—a warranty built to restore peace of mind if fraud ever strikes.
In this article, we’ll explain exactly how our warranty works, what it covers, and why it stands apart from competitors.
Why a Warranty Matters in Title Protection
For most Americans, a home is not just a place to live—it is their largest investment and a critical source of financial security. Criminals know this, which is why cases of home title fraud are rising sharply. Forged deeds, fraudulent quitclaim filings, and liens can all cloud your title, drain your equity, and in the worst cases, trigger foreclosure.
Some homeowners believe that a basic monitoring service will keep them safe. But monitoring alone is not enough. What you need is a safety net that not only alerts you to any activity but also provides the legal and financial resources to help restore your title if fraud occurs. That is the role of our warranty.
What the Million Dollar TripleLock® Protection Covers
Our Million Dollar TripleLock® Protection delivers three critical layers of defense:
- 24/7 Monitoring – Your property is monitored around the clock—every day, every hour. We scan official county records and title databases to detect signs of tampering, transfers, or fraudulent liens. These changes are flagged for review.
- Urgent Alerts – Our proprietary system scans these multiple data sources and when any change is detected, we will notify you by email or phone. If you don't recognize the activity, our support team is here to help you understand the next steps.
- Restoration Coverage – Should fraud occur, you're not alone. Our U.S.-based Title Restoration Experts step in immediately—working on your behalf to combat the fraud and restore your rightful ownership. Additionally, we'll cover up to $1 million in legal fees, filing costs, and administrative support to fix the fraud and help clear your name.
This restoration is not an insurance policy or a reimbursement check, it's the active involvement of our U.S.-based Title Restoration Experts, who handle the complex legal filings, coordinate with the courts, and help undo fraudulent loans or liens so you can get your home back.
What’s Included (and What’s Not)
Like any strong warranty, ours is clear and transparent.
You are covered for:
- Fraudulent filings against your title
- Forged deeds or falsified signatures
- Fraudulent liens or loans tied to your property
- The legal and administrative costs, up to $1 million, of restoring your rightful ownership
Exclusions apply in cases where:
- Fraud occurred before your coverage began
- Your subscription was inactive at the time of fraud
- The dispute is non-fraudulent, such as a divorce settlement or a voluntary co-ownership transfer
We believe transparency matters. Our goal is to ensure homeowners know exactly what they are paying for and what protection they can rely on.
How the Restoration Process Works
If fraud is detected, here is how our process protects you step by step:
- Alert – You are notified through email, text message, or phone of any recorded filings.
- Assessment – Once we review your property, our title experts review the activity and confirm with you if fraud has occurred.
- Action – Once the fraud is verified, our restoration team begins work immediately on your behalf.
- Resolution – We cover up to $1 million in attorney fees, court filings, and administrative costs to fix the fraud and help clear your name.
This process ensures you are never left alone in one of the most stressful financial situations a homeowner can face.
Why $1 Million in Coverage?
When fraud strikes, the fallout can be overwhelming, financially and emotionally. From legal fees and court filings to the work of reversing fraudulent liens or loans, restoring your title takes resources most homeowners simply do not have on hand. That is why our warranty provides up to $1 million in coverage—so no matter how complex the situation, you will not face it alone or wonder how you will afford to fight back.
Our promise is simple: if criminals tamper with your home’s title, we will cover the costs and provide the expert support needed to repair the damage and restore your ownership.
How We Compare to Other Services
- County Recorder Alerts – Some counties have begun offering free alert systems, but many still do not. In most cases, it is up to the homeowner to manually check public records for suspicious filings—a difficult task if you own property in different counties. And even where alerts exist, they only notify you. You are still left to find an attorney and cover the costs of restoring your title on your own.
- Identity Theft Services – Identity protection companies may monitor credit, but they do not specialize in property title fraud. These criminals are not after your Social Security number, they forge your signature on deeds and liens to place ownership of your home in their name, leaving you to fight costly battles to reclaim it. Few identity services offer the dedicated support required to undo that damage.
- Home Title Lock – Million Dollar TripleLock® Protection: Focused, title-first protection with 24/7 monitoring, urgent alerts, and U.S.-based restoration that includes up to $1 million in coverage to fight back if fraud strikes. Your subscription comes with a Title History Report and personal access to a Title Expert, adding $250 in real value to your plan.
Monitoring & Alerts without Restoration leave you defenseless. Our Million Dollar TripleLock® Protection is different: we fight for you, covering legal costs and court filings to restore your ownership and your good name with unmatched protection.
Frequently Asked Questions
Q: What if fraud happens right before my coverage renews?
A: As long as you are an active subscriber, you are fully covered during your subscription period.
Q: Do I still need title insurance?
A: Title insurance typically only applies during your purchase or refinance closing. It does not cover fraud that occurs while you own your home. Our warranty fills that gap.
Q: Can I cancel my subscription?
A: Yes, you can cancel at any time. However, only active subscribers are protected under the warranty.
Q: Does this protection cover vacant lots or undeveloped land?
A: Yes. Title fraud does not only target homes. Vacant lots, undeveloped land, and properties owned by people who live elsewhere are especially vulnerable because changes may go unnoticed for long periods of time. Our monitoring tracks all properties recorded in county deed records, so undeveloped land is included in the same protection and restoration process as your home..
The Bottom Line
Title fraud is real, it is growing (FBI Warning, FBI Rising Trend) and it can devastate unsuspecting homeowners. Alerts alone are not enough—restoration requires legal expertise, time, and money that most families are not prepared to handle.
With Home Title Lock’s Million Dollar TripleLock® Protection, you gain more than just monitoring. You gain peace of mind, knowing that if fraud strikes, our experts and our financial backing stand behind you.
Review the full warranty details here
