Title Insurance vs. Property Monitoring: What's the Difference?

Many homeowners are confused about the difference between title insurance and property monitoring services. Here's a clear breakdown of both and why you might need them.

What is Title Insurance?

Title insurance is a one-time purchase that protects against past issues with your property's title.

What It Covers:

• Fraud that occurred before you purchased the property
• Unknown liens or claims from previous owners
• Errors in public records from the past
• Forged signatures on historical documents

What It Doesn't Cover:

• New fraud that happens after your purchase
• Current unauthorized listings
• Ongoing monitoring of your property's status

What is Property Monitoring?

Property monitoring is an ongoing service that watches for current threats to your property.

What It Covers:

• Real-time alerts for new listings
• Unauthorized use of your property information
• Changes to public records
• Suspicious activity around your property

Why You Need Both

Think of title insurance as protection for your past, and monitoring as protection for your future.

The Complete Protection Strategy:

1. Title insurance protects against historical issues
2. Property monitoring protects against current and future threats
3. Regular vigilance ensures early detection of problems

Conclusion

For comprehensive property protection, consider both title insurance and ongoing monitoring services as complementary tools in your security strategy.

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Consult with insurance and security professionals for specific recommendations for your property.