Save your money on the TV 'title lock' subscriptions. The realistic title risk for most owners is liens, and free county recording alerts cover the monitoring worry. We are skeptical of paid title-theft monitoring. Across decades in this business we have not seen a case where a normal homeowner actually lost their home this way. When this kind of fraud is attempted at all, the targets are typically properties owned free and clear or with large equity and no active mortgage, where no servicer is already watching the file. Many counties now offer free recording-alert notifications that flag any document recorded against your property, which handles the same concern at no cost. The more realistic issue is a mechanic's lien. If a contractor goes unpaid, they can record a lien against your property, which clouds your title until it is resolved. The protection is straightforward: - Pay your contractors and keep records. - Collect signed lien releases as work is completed and paid. - Dispute any improper lien with documentation, which usually clears it. Also know what you already own. The owner's title insurance policy from your closing protects against many defects that predate your purchase, so read what that policy covers before you buy add-ons on top of it.