Property Monitoring.
Fraud Detection.
Title Restoration.
Comprehensive home title fraud protection up to $3,000,000 per membership, combining continuous property record monitoring with insurance-backed legal expense coverage to defend your ownership rights.
Strategic Overview: Home Title Identity Theft Expense Reimbursement Coverage
Home title theft—also known as deed fraud or property fraud—is a devastating form of identity theft where criminals forge property documents to illegally transfer ownership, take out fraudulent mortgages, or sell your property without your knowledge. According to the FBI, real estate fraud resulted in $173.6 million in losses during 2024, with 9,359 reported complaints and seniors bearing nearly 44% of total financial losses.
The Challenge
Most homeowners are unaware that standard title insurance policies purchased at closing only protect against past title defects—they do not cover fraudulent deeds filed after the purchase date. County recording offices cannot detect forgeries and have no authority to reject fraudulent filings.
The Solution
Enfortra's Home Title Identity Theft Expense Reimbursement coverage combines proactive property record monitoring with insurance-backed legal expense coverage specifically designed for post-policy title fraud, providing both early warning detection and financial protection for restoration.
Coverage Overview
When identity theft strikes, your members need more than alerts—they need resources to recover. Enfortra's insurance framework offers three distinct protection tiers with modular coverage options, allowing you to design the precise coverage profile your population requires.
Home Title Identity Theft Expense Reimbursement
Not Available to New York Residents
Coverage Limit Options:
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$1,000,000 per individual/family membership per 12-month period
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$2,000,000 per individual/family membership per 12-month period
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$3,000,000 per individual/family membership per 12-month period
All limits are part of—and not in addition to—the total Expense Reimbursement Aggregate Limit of Liability
What Is Covered
This coverage reimburses eligible expenses incurred to restore legitimate property ownership following title fraud, including:
