Frequently Asked Questions

Identity Theft Coverage is a type of property insurance that protects you against identity theft. The coverage provides you with free credit monitoring including email alerts when your credit report changes, assistance in contacting credit bureaus, banks, creditors and other agencies in the event of fraud, reimbursement for loss and (in some circumstances) emergency cash advances. Click Here for more information.

Sometimes it's difficult to tell. Look for unexplained withdrawals in your bank accounts (large or small). Compare your transactions to your receipts to make sure that they match. Check with your bank regarding any questionable account activity. You should also be on alert if you lose your wallet, purse or any of your identification or bank/credit cards, or if you receive an error message from an ATM AFTER you have entered your bank card and pin number.

Typically the answer is "No". While Identity Theft Coverage is a type of property insurance, it is often not rolled into other property insurance policies. Check with your insurance agent regarding your particular policies. If you do not already have ID Theft protection, it is a good idea to consider adding it.

Call our toll-free Claims Hotline (1-800-421-3535) to speak to an Identity Theft Expert who can help you determine if fraud has occurred and walk you through the steps to resolve your situation.

Of course it depends on the website and the security measures that they have in place. But overall shopping online through major retail sites is safe. In some cases, it may actually be safer than using your credit card at some traditional retail locations where the clerk has access to your card and personal information. Whether shopping online or in person, remember to be cautious about providing personal information during transactions. Don't provide your credit or debit information to anyone whom you feel questionable about. And avoid shopping online on an unsecure wireless network.

There are 3 major credit reporting bureaus (Experian, Equifax, and TransUnion). Each of their reports will vary slightly so it is important to obtain a copy of your credit report from each of these agencies (at least on an annual basis). You should check your credit reports more often if you have (or if you think you have) been the victim of identity theft. By law, everyone is entitled to one free credit report per year from each of these bureaus. Click Here to request your free credit reports. Be sure to report any erroneous information immediately.

There are quite a few things that you can do to protect yourself from would-be identity thieves. Click Here for a list of helpful tips.