Title Lock Insurance Ads: What You Need to Know

If you’ve spent any time watching late-night television or scrolling online news sites, you may have seen ads for a service called Title Lock Insurance. The messaging is attention-grabbing—and often unsettling. These ads warn that criminals can forge your signature, transfer the title to your home, and then take out loans against it, leaving you with the mess. It’s presented as a serious, widespread risk, and understandably, people are concerned.

At Kimbrough Law, we often hear questions about this service in client meetings. People want to know: Is this something I really need to worry about? Should I be paying for Title Lock Insurance? Let’s take a closer look at what this service is, why the advertising can feel alarming, and what options you have here in Georgia.

What Title Lock Insurance Actually Does

First, it’s important to understand what Title Lock Insurance is—and what it isn’t. It’s not a form of insurance in the traditional sense. Instead, it’s a monitoring service. If someone were to file a document related to your property—like a transfer or lien—Title Lock would notify you.

That’s the extent of what the service does. It doesn’t stop fraudulent filings from happening, nor does it clear up the problem if one occurs. It simply alerts you that an action has been taken with your property records.

To be clear: attorneys like Hailey Brock at Kimbrough Law rarely, if ever, see cases where someone successfully forges a deed, transfers a home, and then secures loans against it without the true owner knowing. The scenario is possible in theory, but it’s not a common problem in practice.

A Free Alternative in Georgia: The Filing Activity Notification System (FANS)

Here’s the good news: if you live in Georgia, you don’t have to pay for a monitoring service like Title Lock Insurance. The state has already created a free program that provides the same kind of alerts. It’s called the Filing Activity Notification System (FANS), and it’s offered through the Georgia Superior Court Clerks’ Cooperative Authority (GSCCCA). You can opt in through the clerks’ website, provide your information, and sign up to receive an email notification any time there is filing activity related to your property.

This is the same kind of monitoring that Title Lock Insurance advertises—except it’s provided directly by the state and costs nothing. You can learn more and sign up here: Home Page - Filing Activity Notification System.

Why Most People Don’t Know About FANS

One of the challenges is awareness. Title Lock Insurance invests heavily in advertising campaigns designed to generate fear and urgency. By comparison, Georgia’s FANS program is quietly available but not widely promoted.

That’s why so many people are surprised to learn there’s a free alternative. When clients bring this up in meetings, they’re relieved to discover they can get the same peace of mind without paying monthly fees.

What You Should Do

If you’re concerned about title fraud—or simply want to stay informed—it’s a smart idea to sign up for the FANS system. It’s quick, it’s free, and it ensures you’ll be notified if any filings are made related to your property.

At the same time, it’s important not to let fear drive financial decisions. The chances of someone forging your signature and stealing your home title are extremely low, but monitoring programs like FANS provide an extra layer of reassurance.

Final Thoughts

Healthy aging, financial security, and family stability are all about being proactive, not reactive. Title Lock Insurance ads highlight a problem in a way that can feel frightening, but here in Georgia, homeowners already have access to the same kind of protection through the free FANS program.

If you have questions about protecting your home, planning for the future, or navigating the legal challenges that come with aging, Kimbrough Law is here to help.

If someone you love is dealing with health-related challenges related to aging, long-term illness or disability, Kimbrough Law can help. Call 706.850.6910 to schedule a confidential family consultation.