In today’s digital world, identity theft is a growing concern. Criminals can steal personal information to access bank accounts, open fraudulent credit cards, or even take out loans in your name. Unfortunately, recovering from identity theft can be a long and costly process. That’s where Identity Fraud Expense Coverage on your homeowners insurance policy can provide critical support.

Why Identity Theft Protection Matters

Did you know that in 2018 alone, 14.4 million Americans fell victim to identity theft—roughly one every three seconds? From stolen credit card numbers to fraudulent fund transfers, identity thieves are always finding new ways to exploit personal information. And it’s not just about financial loss; the process of restoring your identity can be time-consuming and stressful.

How Identity Fraud Expense Coverage Helps

Adding Identity Fraud Expense Coverage to your homeowners policy can offer:

✅ Expense Reimbursement – Covers costs like legal fees, lost wages from time spent resolving identity theft, and fees for notarizing documents and loan applications.

✅ Identity Restoration Services – Provides expert assistance to help you recover lost or stolen personal information, cancel fraudulent accounts, and restore your credit.

✅ Document Replacement Assistance – Helps replace essential identity documents such as Social Security cards, passports, and driver’s licenses.

✅ Cyber and Fraud Protection – Some policies offer proactive identity theft monitoring, phishing protection, and assistance if your email or social media accounts are compromised.

Who Needs This Coverage?

Identity theft doesn’t discriminate—people of all ages and life stages are at risk:

👶 Children – A clean credit history makes them easy targets for fraudsters.
💼 Young Professionals – Frequent job changes and financial transactions increase exposure.
🏡 Homeowners & Parents – With multiple accounts and responsibilities, there’s more at stake.
👴 Retirees – Older adults are often targeted due to financial stability and established credit.

Add Identity Theft Protection to Your Homeowners Policy Today

At Rathbun Insurance, we believe in protecting what matters most—and that includes your identity. Adding Identity Fraud Expense Coverage to your homeowners policy is an affordable way to ensure that, if your identity is stolen, you’ll have the financial and professional support needed to recover quickly.

Want to learn more? Contact us today to discuss how we can help safeguard your financial future.