FAQ

Probably not. Check with your insurance agent but generally speaking the perils covered in a typical homeowner’s policy do not include losses from title theft and fraud against an owner’s title.

Yes, Moat offers discounts for seniors and for veterans, and a referral program that rewards existing clients for referring new clients to Moat. Moat also holds promotions from time to time for both new and existing customers.

You will be notified when the process of locking your title is complete and a copy of the recorded Notice of Title Lock will be placed in your Moat website account. A title report showing the Notice of Title Lock document in the public records will also be sent to your Moat account inbox.

It generally takes 2-4 weeks to confirm your identity, prepare the unlock document for recording and get the unlock document recorded from the time you contact Moat and initiate the unlock process. A Moat client should request the unlock when they intend to change the status of their title in the public records such as sell their home or obtain a new/additional mortgage.

The Notice of Title Lock will be found in the public records by the parties working on the planned transaction such as a title closing agent or escrow agent. Depending on the timing of the planned closing the title lock and lack of the unlock may cause delays. If a Moat client does not initiate the unlock process another party such as a lender can make a request to unlock your title by sending a written request to both the Moat client and to Moat. Moat will confirm the identity of the Client and the Client’s intent and may, with the Client’s consent, unlock the title based on the request.

Moat clients will receive an annual title report free of charge on or about the anniversary date of their Notice of Title Lock recording date. If a Moat client desires additional title reports or title reports on a quarterly or monthly basis they can request those services on the Moat website.

No, Moat does not monitor title and notify owners of suspicious activity or filings. The Moat model is based on placing a Notice of Title Lock in the public records to deter and shield an owner’s title from fraudulent recordings against their title. Moat believes that locking an owner’s title from fraud is a stronger defense to fraud then monitoring an owner’s title.

The process begins by filling out an application on the Moat website. A representative of Moat will process your application, prepare the legal documents for the client execution and record the document for the public refrence.

The first title lock will cost $395 which includes preparing the legal documents and recording in the public records. The cost to unlock your title is $195 which includes preparing the legal documents and recording in the public records. Subsequent locking documents will cost $195.