Identity theft sounds like something only suave film spies need to worry about. But the truth is, few crimes can happen as easily and as suddenly. The good news is that there are ways to protect yourself from it, including a reliable homeowners insurance policy — equipped with identity theft coverage — from Esurance.
protect your identity for as little as $3 a month with esurance home insurance
Having your identity stolen is a huge invasion of your privacy. We're here to help if you become a victim of identity theft.
By adding identity theft insurance to your Esurance homeowners policy, you can choose up to $10,000 worth of coverage for expenses incurred as a result of clearing your good name.
That includes services like monthly credit report monitoring and access to your annual credit report and score. It also covers help from an experienced ID theft advisor who will help you:
- Make calls and write letters to the appropriate agencies and authorities
- Talk to creditors, bill collectors, doctors, hospitals, and even the IRS
- Gain access to special fraud services
- Help restore your credit affected by identity theft
- Create a legal case against ID thieves
- Find a solution for your specific circumstance, and resolve any and all identity theft issues
And if you think coverage this wide-ranging will cost you a fortune, you'd be mistaken. ID theft coverage from Esurance will generally cost you only about $3 a month (or $4 for 2 people). We don't think peace of mind should have to put a dent in your bank account.
Get your free homeowners insurance quote online or speak with our licensed agents at 1-866-439-5633 for a policy you can rely on when you need it the most.
identity theft 101
If you experience ID theft, you're not alone. In 2012, approximately 16.6 million identities were stolen, with 7 percent of U.S. households affected.
Basically, identity theft occurs when someone uses your personal info (in the form of your social security number, credit card digits, etc.) without your permission. Common things an ID thief might do in your name are rent an apartment, buy a plane ticket, or start a phone account, but the options are wide open.
Thieves can sometimes continue this crime unchecked for days. This is because victims often have no idea anything is wrong until they get a credit card bill or check their bank accounts.
Types of identity theft
There are an alarming number of ways thieves can get their mitts on your info. Here are some of the most common:
- Dumpster diving: Criminals will search through your trash to find mail and other documents that clue them in to your identity.
- Stealing your wallet: Your pocketbook usually has all the info a thief needs to steal your identity.
- Email phishing: Thieves will pose as legitimate businesses — like your bank — in order to trick you and gain access to your personal info.
- Mail theft: This is way too easy for thieves if your mail is left in an open box. Make sure your mailbox is locked.
- Change of address: Sometimes thieves will go so far as to change the address at which you receive your mail, so that pertinent personal info gets sent their way instead of yours.
- File sharing websites: Thieves can get all sorts of personal info from you through accidental disclosure on music sharing sites and other file sharing platforms.
- Overlays: Almost imperceptible to the naked eye, hidden devices can be installed on ATMs that steal your bank account info when you swipe your card.
Unfortunately, it doesn't stop there — data breaches, online shopping, and other forms of phishing (like over the phone) are also ways criminals can get ahold of your info. Luckily, we offer solid financial protection in the form of identity theft expense coverage on your homeowners insurance policy.
If you're already an Esurance policyholder and have questions about adding ID theft expense coverage to your policy, give us a call at 1-800-ESURANCE (1-800-378-7262). We're happy to chat with you (the real you, that is).
Recovering from identity theft: a guide from the FTC
A step-by-step manual for those who are victimized.
How safe are you from ID theft?
Check out these helpful pointers from our blog on how to prevent online identity theft.
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