Does LifeLock Protect Your Home Title? What's Actually Covered

By Mo Ayadi, Founder of Title Barrier | Updated February 11, 2026

The short answer: yes, but with important limitations.

LifeLock offers home title monitoring that watches your county recorder's office for ownership changes, new lenders, refinances, and default notices. If someone files a forged deed to transfer your property, LifeLock will send you an alert.

But home title monitoring is not included on every LifeLock plan, and it doesn't do everything people assume. This article breaks down exactly which plans include home title coverage, what the monitoring actually tracks, what it doesn't cover, and whether it's the right choice for your situation.

Disclosure: I'm the founder of Title Barrier, a property protection service. LifeLock and Title Barrier approach home title protection differently, and I'll explain both approaches honestly. Every pricing detail and product feature in this article is sourced from Norton's own website and verified third-party reviews.

Which LifeLock Plans Include Home Title Monitoring?

This is the first thing most people get wrong. Not all LifeLock plans cover your home title.

LifeLock offers three main subscription tiers: Standard, Advantage, and Ultimate Plus. Only the top tier, Ultimate Plus, includes home title monitoring as a built-in feature.

LifeLock Standard focuses on dark web monitoring, Social Security number alerts, and single-bureau credit monitoring. It does not include home title monitoring.

LifeLock Advantage adds three-bureau credit monitoring, bank and credit card activity alerts, and increased insurance coverage. It still does not include home title monitoring.

LifeLock Ultimate Plus includes everything in the lower tiers plus home title monitoring, investment account monitoring, phone takeover alerts, social media monitoring, and increased reimbursement limits of up to $1 million each for stolen funds, personal expenses, and legal fees.

If you're on the Standard or Advantage plan and expecting home title coverage, you don't have it.

The Standalone Option: LifeLock Home Title Protect

In addition to the bundled plans, Norton offers LifeLock Home Title Protect as a separate product. According to Gen Digital (Norton's parent company), this is available as a standalone subscription at $9.99 per month ($99.99 per year) or as an add-on to any existing LifeLock plan at $4.99 per month ($49.99 per year).

This is worth knowing because many people already have a lower-tier LifeLock plan for identity protection. Adding Home Title Protect for $4.99 per month may be significantly cheaper than upgrading to Ultimate Plus.

What LifeLock's Home Title Monitoring Actually Does

According to Norton's Home Title Protect product page, the service monitors for and notifies you of filings made at the county recorder's office related to your home title. Specifically, you receive notifications when:

A change in property ownership is detected. If someone files a deed transfer (whether legitimate or fraudulent), LifeLock sends an alert.

A new lender is detected on your property. If a mortgage or lien is filed against your property, you'll be notified.

A loan associated with your property is refinanced. If someone attempts to refinance using your property as collateral, LifeLock flags it.

A notice of default is filed on your property. If a lender files a default notice, which could indicate someone took out a fraudulent loan that's now delinquent, you'll receive an alert.

One notable advantage: LifeLock monitors an unlimited number of properties in which you have ownership interest. According to Gen Digital's announcement of the product, this means you don't need to pay extra for each additional property you own, a significant cost advantage over services like Home Title Lock that charge per property.

If fraud is detected, LifeLock provides access to a dedicated Identity Restoration Specialist who works with you until your case is closed. LifeLock Ultimate Plus also includes up to $1 million in reimbursement for stolen funds, personal expenses, and legal fees related to identity theft, subject to the terms and conditions of the plan.

What LifeLock Does Not Do for Your Home Title

Understanding the limitations is just as important as understanding the features. Several things fall outside LifeLock's home title monitoring, and some of these gaps are significant.

It does not prevent fraudulent filings

LifeLock monitors for changes and alerts you after they happen. It cannot stop a forged deed from being filed with your county recorder's office. No monitoring service can do this because county recorders are required to accept documents that meet basic formatting and notarization requirements, regardless of whether the transaction is legitimate.

This is the core limitation shared by every monitoring-based service on the market. The FTC made this point in their August 2024 consumer alert about title lock services: you would only find out after your title was transferred without your authorization.

It does not monitor real estate listing platforms

LifeLock does not watch Zillow, Realtor.com, MLS databases, rental platforms like Apartments.com or Craigslist, For Sale By Owner sites, social media marketplaces, or investor forums.

This matters because a growing portion of property fraud starts with unauthorized online listings. A criminal lists your property for sale or rent, collects funds from unsuspecting buyers or renters, and disappears. This type of fraud can happen without any filing at the county recorder's office, meaning LifeLock's monitoring would not detect it at all.

It does not create legal barriers on your title

LifeLock does not record any documents on your property's chain of title. It watches from the outside. Some property protection approaches take a different path by recording legal declarations directly on the title that serve as a formal notice to title companies, lenders, and buyers that unauthorized transfers should not be processed. LifeLock does not offer this.

It does not replace title insurance

Norton's own website notes that not all title insurance policies cover home title fraud. LifeLock's monitoring is not insurance. It does not provide financial coverage for title defects, and it does not cover the legal costs of a quiet title action unless those costs fall under the identity theft reimbursement provisions of your plan.

In August 2025, the American Land Title Association introduced new endorsements (ALTA 49 and 49.1) that specifically cover post-purchase deed forgery. These are separate insurance products and are not related to LifeLock.

What LifeLock Home Title Monitoring Costs

Here's a clear comparison of all the ways to get home title monitoring through LifeLock:

LifeLock Home Title Protect (standalone) costs $9.99 per month or $99.99 per year. This gives you home title monitoring only, with no identity theft protection, credit monitoring, or other features.

LifeLock Home Title Protect (add-on) costs $4.99 per month or $49.99 per year when added to an existing Standard or Advantage plan. This is the most affordable option if you already subscribe to LifeLock for identity protection.

LifeLock Ultimate Plus (individual) costs $34.99 per month (month-to-month) or has an introductory annual rate of $19.99 per month for the first year, renewing at approximately $28.33 per month. This includes the full identity protection suite plus home title monitoring.

LifeLock Ultimate Plus (two adults) costs $69.99 per month. Family plans covering two adults and up to five children are also available at $79.99 per month.

For context, here's how that compares to other services focused on home title protection:

Home Title Lock charges $19.95 per month ($239.40 per year) for county record monitoring of a single property. Title Barrier's Defense Plan charges a one-time fee of $199 for a legal declaration recorded on your property title, with optional ongoing monitoring. Free county recorder alert systems cost nothing and provide basic notifications when documents are filed against your property.

When LifeLock Makes Sense for Home Title Protection

LifeLock is not just a title monitoring product. It's a comprehensive identity theft protection platform that includes home title monitoring as one component among many. That context matters when evaluating whether it's right for you.

LifeLock is a strong choice if:

You want broad identity protection and home title monitoring in one subscription. If you're going to pay for identity theft protection anyway (and there are good reasons to, given that the FBI reported $16.6 billion in cybercrime losses in 2024), getting home title monitoring bundled into Ultimate Plus means you don't need a separate service for county record alerts.

You own multiple properties. LifeLock's unlimited property monitoring is a genuine advantage. Services that charge per property become expensive quickly for landlords or people with vacation homes.

You're primarily concerned about identity theft and want title monitoring as an additional layer. LifeLock excels at what it was built for: monitoring credit, dark web activity, SSN misuse, and financial accounts. Home title monitoring is a useful addition to that core capability.

LifeLock may not be the right fit if:

Home title protection is your primary concern. If you're not interested in the full identity theft protection suite and just want to protect your property, paying $34.99 per month for Ultimate Plus is expensive for county record monitoring alone. The standalone Home Title Protect at $9.99 per month or a free county alert system may be more appropriate.

You want protection that goes beyond monitoring. LifeLock watches and alerts. It does not create proactive legal barriers on your title, and it does not monitor online listing platforms where a growing share of property fraud originates. If you want a service that takes preventative action on your title, you'll need to look at approaches that record legal declarations or other protective documents on your property's chain of title.

Your county offers a free alert system. Many county recorder offices provide free notification services that alert you when documents are filed against your property. This covers the same basic function as LifeLock's title monitoring (county record changes) at no cost. The FTC specifically recommends checking whether your county offers this service before paying for monitoring.

A Practical Approach to Home Title Protection

Based on the actual coverage gaps and overlaps, here's how to build a protection strategy that accounts for what LifeLock does and doesn't cover.

Start with free county recorder alerts. Sign up for your county's free notification service. This covers the same county record monitoring that paid services provide. If your county doesn't offer this, LifeLock Home Title Protect at $9.99 per month or the $4.99 add-on fills that gap.

Freeze your credit. This is free and prevents anyone from opening new credit accounts in your name. It won't stop a deed transfer, but it makes it harder for a criminal to take out loans against a stolen title because most lenders check credit before approving.

Consider whether you need identity theft protection. If you do, LifeLock's bundled approach with Ultimate Plus gives you home title monitoring alongside credit monitoring, dark web scanning, and financial account alerts in one subscription.

Evaluate whether you need proactive title protection. If you own property in a higher-risk category (free and clear, vacant land, vacation home, rental, inherited), county record monitoring alone may not be enough. Services that record protective documents on your title or monitor real estate listing platforms address gaps that monitoring-only services leave open. Title Barrier's Defense Plan takes this approach by recording a legal declaration directly on your property's chain of title.

Review your title insurance. Ask your title company about the new ALTA 49 endorsements that cover post-purchase deed forgery. This provides an insurance-backed safety net if fraud does occur.

No single product covers every angle. The strongest protection comes from layering multiple tools based on your specific risk profile and property type.

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Sources

1. Norton LifeLock Home Title Protect Product Page — lifelock.norton.com/home-title-protect
2. Gen Digital Blog: Introducing LifeLock Home Title Protect — gendigital.com/blog/archive/lifelock-home-title-protect
3. NerdWallet LifeLock Review 2026 — nerdwallet.com/p/reviews/finance/lifelock-review
4. U.S. News LifeLock Identity Theft Protection Review — usnews.com/360-reviews/privacy/identity-theft-protection/lifelock
5. Security.org LifeLock Review 2026 — security.org/identity-theft/lifelock/review
6. FTC Consumer Alert: Home Title Lock Insurance (August 2024) — consumer.ftc.gov/consumer-alerts/2024/08/home-title-lock-insurance-not-lock-all
7. FBI IC3 2024 Annual Report — ic3.gov/AnnualReport/Reports/2024_IC3Report.pdf
8. ALTA Policy Endorsements for Seller Impersonation Fraud (August 2025) — nationalmortgagenews.com/news/alta-adds-seller-impersonation-coverage-to-its-title-policy

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Disclosure: Title Barrier is a property protection service that competes in the home title protection space. This article aims to give you an accurate picture of what LifeLock does and doesn't cover so you can make an informed decision. LifeLock is a registered trademark of Gen Digital Inc. Title Barrier is not affiliated with LifeLock, Norton, or Gen Digital.