We are all familiar with the term “Identity Theft”, which is when someone gains access to your personal information or data, but we may not be as familiar with the serious crime of “Identity Fraud” where someone uses that information to open accounts, rack up debt, commit fraud, or otherwise act as you without your permission.
According to Travelers insurance (1), Identity Fraud is “the fastest growing white-collar crime in America, with no end in sight. Falling victim to identity fraud not only tarnishes your good name, it can potentially ruin your credit, compromise your financial and medical history, and drain your assets.”
As you can imagine, once this kind of damage is done, repairing it is time consuming, expensive, and confusing.
Penny Hanley & Howley Insurance is proud to announce that for as low as $25.00 a month you can add Identity Fraud Reimbursement Coverage to your homeowners, renters, or condo insurance. This coverage will help you make sense of the situation with guidance from a Consumer Fraud Specialist, as well as reimburse costs sustained during the process of returning your name and credit to what it was.
What is covered?
- Expense reimbursements up to $25,000 with no deductible for named expenses incurred to restore your identity including:
- Reimbursement for Medical ID Fraud Expenses
- Travel Expenses
- New Government IDs
- Tax ID Fraud-Related Costs
- Lost wages
- Attorneys’ fees
- Resolution services to help reclaim your identity and restore credit
- Guidance from consumer fraud specialists
What is my risk level?
In addition to the personal information breaches we often hear about online and at major retailers, another 50% of compromised personal information is stolen through more “traditional” means like:
- a lost or stolen wallet, check or credit card,
- “dumpster-diving,” or digging through your trash for statements and other financial information,
- theft of mail from your mailbox
Even a vigilant, thoughtful consumer can fall prey to these criminals, through no fault of your own. Protect what matters.
For more information on where your personal risks areas may be and tips on eliminating those risks, take the quiz below.
Click on the link below for a comprehensive list of ways to reduce your risk and information on obtaining a free credit report.
Ways to Avoid Identity Fraud
How can we help you protect your home AND your identity?
Penny-Hanley &Howley Homeowners
IDFRAUD to 860-508-0015 and someone will contact you for a free quote or insurance review.
Or Stop By
52 Main St.
Stafford Springs, CT 06076
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