Frequently Asked Questions about Identity Theft Insurance

Here are the answers to some of the most commonly asked questions about identity theft insurance. Please contact us if we did not answer your specific question.

What is Identity Theft?

Identity theft occurs when an unauthorized party accesses your personal identifying or account information and uses it to perpetrate crimes of fraud. Such crimes can include applying for credit in your name, leasing apartments in your name, or even applying for employment with your information.

What is Identity Theft Insurance?

Identity theft insurance works much like car or health insurance does-it protects you from financial ruin in the event that disaster occurs. Identity theft insurance gives you a financial safety net, up to $1,000,000, for the out-of-pocket expenses you incur if your identity is compromised. Identity theft insurance will also hire and pay for trained experts, such as accountants, lawyers, and investigators, that are required to resolve your case.

How Do I Get Identity Theft Insurance?

You can complete our free application for identity theft insurance right here on our website by clicking "apply now" anywhere you see it. Our application takes only minuets to fill out, and we will then put you in touch with one of the most respected identity theft insurance companies in the industry. You can enroll entirely online.

How Much Does Identity Theft Insurance Cost?

Remember that, in the most fortunate cases, identity theft victims will spend an average of $400-$800 dollars out-of-pocket to make things right again. Identity theft also costs its victims an average of 40 hours of time to resolve. Compare that with the cost of identity theft insurance: about $10/month. Like other types of insurance, identity theft insurance is a small, regular investment to protect yourself against potentially devastating losses in the future.

Can't I Just Protect Myself Against Identity Theft?

Trying to protect yourself against identity theft as an alternative to identity theft insurance is like opting not to buy car insurance because you are a safe driver. No matter how safe you are or how many precautions you take, the risk of an accident is still considerable. If identity theft does happen to you and you are uninsured, it could bring you to financial ruin and do irreparable damage to your credit. The do-it-yourself approach just isn't worth the risk.