Home Title Lock Costs $227-$431/YearHere's What You're Actually Paying For
Searching for Home Title Lock pricing? Before you pay $227+/year for reactive county monitoring, see why 10,000+ property owners switched to Title Barrier for superior protection at a lower cost.
What Home Title Lock Doesn't Tell You
Home Title Lock only monitors county deed records - the LAST place fraud shows up. By the time they alert you, fraudulent documents are already filed and you're dealing with legal battles.
Modern property fraud starts online. Scammers list your property on Zillow, Realtor.com, or rental sites, collect deposits or closing funds, and disappear - often without ever filing deed paperwork.
Home Title Lock won't catch this because they don't monitor online listings. By the time fraud reaches county records, you've already got victims, police reports, and legal fees.
The FTC issued a consumer alert about title lock services:
"You'd only find out AFTER your title got transferred to someone else without your authorization. So much for the lock... It's just a ploy to scare you."
Source: Federal Trade Commission, August 2024
Home Title Lock Cost vs Title Barrier: Side-by-Side
Direct pricing comparison - same coverage period, dramatically different value
County Records Only
1000+ SourcesMonthly Plan
Annual Plan
2-Year Plan
Important: Each subscription covers ONE property. Multiple properties require separate plans with both services.
Feature-by-Feature: What You Actually Get
Both services cost around $200-240/year, but Title Barrier delivers dramatically more value
What it monitors
Alert timing
Online listing monitoring
Response time
AI-powered detection
Annual cost (best plan)
Money-back guarantee
Free county alerts
Why Property Owners Are Switching from Home Title Lock
Real stories from customers who made the switch
"I was paying Home Title Lock $227/year for alerts I could get free from my county. Switched to Title Barrier and now I get REAL protection - caught an unauthorized Zillow listing in 20 minutes!"
Sarah M.
Phoenix, AZ
"Home Title Lock only watches deeds. Title Barrier caught someone trying to list my rental property on Craigslist BEFORE any paperwork was filed. That's the difference between detection and prevention."
Michael Chen
Austin, TX
"Three properties with Home Title Lock = $682/year. Three properties with Title Barrier = $599/year with BETTER coverage. Easy decision."
Jennifer R.
Miami, FL
Home Title Lock Cost: Frequently Asked Questions
Everything you need to know before choosing a title monitoring service
How much does Home Title Lock actually cost?
Home Title Lock costs between $227.40/year (annual plan) and $239.40/year (monthly plan). Their 2-year plan costs $430.80 total ($215.40/year). Each subscription covers only ONE property, so multiple properties require separate subscriptions.
Is Home Title Lock worth the cost?
For most homeowners, no. Home Title Lock only monitors county deed records - something many counties offer FREE. They alert you AFTER fraud happens. Title Barrier costs less ($199.99/year) and monitors 1000+ sources including online listings, catching fraud attempts BEFORE deeds are filed.
What's the main difference between Home Title Lock and Title Barrier?
Home Title Lock monitors county records and alerts you AFTER fraudulent documents are filed. Title Barrier monitors 1000+ real estate platforms (Zillow, MLS, rentals, etc.) and alerts you when someone tries to LIST your property - typically weeks BEFORE any deed paperwork. This proactive approach stops fraud earlier.
Can I get title monitoring for free?
Yes! Many counties offer free property fraud alert systems that provide the same county record monitoring as Home Title Lock. However, free county alerts don't monitor online listings. Title Barrier adds comprehensive online listing monitoring to catch fraud attempts that never reach county records.
Is Home Title Lock a scam or legitimate?
Home Title Lock is a legitimate company, but their service is controversial. The FTC issued a consumer alert calling title lock services 'a ploy to scare you.' They're selling a service many people don't need, at a premium price, using fear-based marketing. Consumer advocate Clark Howard recommends against paying for these services.
How does Title Barrier cost less but offer more?
Title Barrier focuses on WHERE fraud actually happens (online listings) rather than expensive nationwide deed monitoring. Our AI-powered platform is more efficient than traditional methods, allowing us to offer superior protection at $199.99/year vs Home Title Lock's $227.40/year - while monitoring 1000+ sources instead of just county records.
Stop Paying for Incomplete Protection
Title Barrier costs $27.41/year less than Home Title Lock's annual plan, yet monitors 1000+ sources instead of just county records.
Proactive Protection
Catch fraud attempts BEFORE deeds are filed
1000+ Sources
Monitor where fraud actually happens - online
Better Value
Save money while getting superior coverage
Still comparing options? Read our comprehensive analysis:
Complete Home Title Lock Cost Guide & Review (2025)