Source: National Cyber Security – Produced By Gregory Evans
All the high-profile data breaches of late may have caused many consumers to become familiar with ways of protecting themselves from and in the case of identity theft. Credit monitoring and credit freezes are commonly known ways to spot and mitigate the effects of serious fraud, but you may also be able to find some help in a less obvious place: your homeowner’s insurance policy. Many insurance companies give consumers an option to add identity theft riders to their homeowner’s insurance policies. The coverage isn’t designed to help you prevent identity theft. Rather, it would provide some assistance if you were a victim. For instance, “if your credit card was used, [a case worker] would contact the credit card company for you,” Zig Tekeste, a State Farm Insurance agent, said. “They would work with the three credit bureaus” to have any inaccurate information appearing on your credit reports as a result of the fraud removed as well. The coverage could also reimburse you for “any expense that would arise for the efforts of you reversing the effects of the ID theft,” Tekeste said. For instance, you could potentially file a claim for certain legal fees or banking fees you incur to correct your identity and credit records. Policies can also cover […]
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