Home Protection FAQs
What is a home protection?
A home protection is a service contract that covers the repair or replacement of major home systems and appliances.
How does a home protection work?
When a covered item breaks down, you contact your protection provider, and they arrange for a qualified service technician to repair or replace the item.
What does a home protection typically cover?
Home protection usually cover appliances like refrigerators and systems like heating and cooling. Coverage can vary, so it’s essential to review your specific plan.
Is a home protection the same as homeowners’ insurance?
No, homeowners’ insurance primarily covers damage caused by unexpected events like fires or natural disasters, while a home protection covers the repair or replacement of home systems and appliances due to normal wear and tear.
What does a home protection typically cover?
Home protection usually cover appliances like refrigerators and systems like heating and cooling. Coverage can vary, so it’s essential to review your specific plan.
Is a home protection the same as homeowners’ insurance?
No, homeowners’ insurance primarily covers damage caused by unexpected events like fires or natural disasters, while a home protection covers the repair or replacement of home systems and appliances due to normal wear and tear.
What is covered by a home protection?
Most of your major home appliances and systems are covered. With Home Life Shield we also include Identity protection and title fraud protection.
Can I purchase a home protection at any time, or is it only available during a home purchase?
You can purchase a home protection at any time, whether you’re a homeowner or in the process of buying or selling a home.
What's the difference between a home protection and a manufacturer's protection?
A manufacturer’s warranty typically covers new appliances for a limited time, while a home protection covers older appliances and systems, often with more extensive coverage.
Are home protection available for rental properties?
Are home protection available for rental properties?
Can I renew my home protection after it expires?
Most home protection providers offer renewal options to extend your coverage beyond the initial term.
Do I need a home inspection before purchasing a home protection?
Home inspections are not required by Home Life Shield, but some providers may ask for one to determine the condition of your covered items.
Are home protection transferable between homeowners?
Yes, many home protection are transferable, which can be a selling point when you decide to sell your home.
Can I customize my home protection plan to cover specific items?
Home Life Shield offers customizable plans, allowing you to select the items you want to cover.
How long does a typical home protection contract last?
Home Life Shield offers 1-, 2-, 3- and 4-year service agreements as well as a month to month option.
Is there a limit to the number of services calls I can make during the protection period?
Home Life Shield offers unlimited service calls.
Identity Theft Protection FAQs
What is identity theft protection?
Identity theft protection is a service that helps safeguard your personal information and finances from identity theft.
How does identity theft protection work?
It monitors your personal information, alerts you to potential threats, and assists with recovery if your identity is stolen. With home Life Shield, remediation and recovery are also included and backed up with a $1,000,000 insurance provider.
What What does identity theft protection typically cover?
Identity theft protection covers expenses related to identity theft recovery, including legal fees, lost wages, and more.
What can I expect from a full restoration?
A professionally trained recovery advocate is assigned to all covered consumers who become victims of identity theft and will perform a fully managed identity restoration program for the covered consumers. Recovery advocates will document, dispute, and reverse all fraudulent transactions through a limited power of attorney for all known types of identity theft. Additionally, this includes one year of follow-up after the victim is back to pre-theft status and provides for one year of additional extensive monitoring services for all victims.
How do I make sure my family is protected?
Coverage for your family is automatic. Scanning information can be added through our web portal.
What does the $1,000,000 insurance cover?
The insurance helps prevent losses from expenses incurred because of a covered identity theft event. Covers notary charges, lost wages, loan application fees for reapplying for loans, reasonable attorney fees and more (restrictions apply, see AIG’s (American International Group) policy for full coverage details).
How do criminals get my personal information?
Your mailbox, garbage, home, the supermarket, your doctor’s office, your computer and cell phone.
How does Home Life Shield protect my identity?
1. Home Life Shield has the ID Early Warning System that creates a personal ID master profile.
2. We protect your identity profile without using your social security number.
3. We monitor 1000’s of public and private databases with billions of records every day. 24 hours a day 7 days a week.
4. Our ID Early Warning System looks for a change in your profile. If we detect any changes to data we have in your ID master profile we will contact you.
2. We protect your identity profile without using your social security number.
3. We monitor 1000’s of public and private databases with billions of records every day. 24 hours a day 7 days a week.
4. Our ID Early Warning System looks for a change in your profile. If we detect any changes to data we have in your ID master profile we will contact you.
What is my ID Risk Score?
We use our extensive collection of data from historical fraud events and your data to determine how vulnerable you are to identity theft.
Can identity theft protection services prevent my personal information from being stolen online?
Identity theft protection services can’t entirely prevent online data breaches, but they can help you monitor for signs of identity theft and assist with recovery if your information is compromised.
What actions should I take if I suspect identity theft?
Contact your identity theft protection provider, report the issue to law enforcement, and follow their guidance on recovery steps. With Home Life Shield we provide a 24/7/365 Victim Recovery Hotline.
Do I need identity theft protection if I have good credit monitoring?
While credit monitoring is essential, identity theft protection offers additional services like recovery assistance.
Can identity theft protection prevent identity theft?
Identity theft protection can’t prevent identity theft entirely but can significantly reduce your risk and provide early warnings.
Are family members covered under my identity theft protection plan?
Home Life Shield plans offer coverage for spouses and dependent children.
Can I cancel my identity theft protection service at any time?
Yes, Home Life Shield offers flexible cancellation options with no cancellation fees. Is my personal information safe with an identity theft protection provider? Home Life Shield uses strict security measures to protect your data.
What types of personal information are monitored by identity theft protection services?
Identity theft protection services monitor your social security number, credit reports, financial accounts, and personal information on the dark web.
Is my identity theft protection effective if I've already been a victim of identity theft?
Yes, identity theft protection can still be beneficial, as it helps prevent further fraudulent activities and assists with recovery.
What do I do if I receive an alert from my identity theft protection service?
With Identity protection from Home Life Shield, simply Call our 24/7/365 Victim hotline and follow the instructions provided in the alert.
Can identity theft protection services restore my credit score if it's affected by identity theft?
While they can assist in the process, identity theft protection services can’t guarantee credit score restoration, as it depends on the extent of the damage.
Are there age restrictions for obtaining identity theft protection services?
Home Life Shield offers services for individuals of all ages, including children and seniors.
Title Fraud Protection FAQs
What is title fraud protection?
Title fraud protection is a service that helps safeguard your property title from fraudulent activities. Home title fraud happens when someone obtains the title to your property and changes ownership from your information to the thief. The scary part is, you may not even realize it until it’s too late.
How do criminals obtain my title?
Scammers simply pick a house (sometimes a second home, rental or vacant house), then gather personal information from the internet or elsewhere in an effort to take over your identity and either assume the role of property owner or claim to represent you. The thief files the necessary paperwork to transfer ownership of the property to themselves, using forged signatures and fraudulent identification. They then sell the home or borrow against the equity.
How does Home Life shield protect my title?
We scan county records nationwide and generate an alert when there is a change in:
1. Owner
2. New Property Record
3. New Claim on Title
1. Owner
2. New Property Record
3. New Claim on Title
How does title fraud protection work?
It monitors your property title for any suspicious activity and takes action to prevent fraudulent transfers.
What are the risks of title fraud?
Title fraud can result in your property being sold without your knowledge, leading to financial and legal complications.
Is title fraud protection the same as title insurance?
No, title fraud protection focuses on prevention, while title insurance covers financial losses from title-related issues.
How do I know if I'm a victim of title fraud?
Signs include receiving unexpected notices about property transactions, such as a sale or mortgage.
Can title fraud protection prevent fraudulent property transfers?
Yes, it monitors your title and takes action to prevent unauthorized transfers.
Do I need title fraud protection if I have title insurance?
Title fraud protection complements title insurance by preventing fraud, but it’s not a replacement.
How can I verify the legitimacy of my property title?
You can verify your property title by conducting a title search through your local land records office.
What is the difference between title fraud and mortgage fraud?
Title fraud involves fraudulent actions related to your property title, such as unauthorized transfers. Mortgage fraud, on the other hand, pertains to fraudulent actions involving mortgage loans, such as misrepresenting information on a loan application.
Is title fraud protection required when purchasing a property?
Title fraud protection is not mandatory, but it’s highly recommended to safeguard your property title.
What happens if title fraud occurs despite having protection?
Your title fraud protection service will work to rectify the situation, including legal actions if necessary.
Can I purchase title fraud protection separately from other services?
Home Life Shield can offer standalone title fraud protection or bundle it with other services like home warranties.