Identity Theft Insurance

Customized insurance you can add to your property policy

Call 1-800-295-2568 or contact a Liberty Mutual agent to add to your existing policy.

What does it cover?

Lost wages and expenses

Out-of-pocket expenses, including:
  • Employer-documented lost wages for work time lost handling your claim
  • Approved reasonable attorney fees
  • Costs for notarizing the appropriate official documents
  • Loan application fees when reapplying for a loan that was rejected due to credit fraud

Personal assistance

Additional help from a counselor may include:
  • Liaison between the victim and creditors
  • Immediate notification to the three national credit bureaus, TransUnion, Equifax, and Experian
  • 3-in-1 credit report for the policyholder
  • One year of credit monitoring from the date of first report to help prevent further losses

This coverage can be added to your Homeowners policy for $35 or less per year - a small investment for your financial security.*

Identity theft FAQs

Identity theft (also known as identity fraud the misappropriation of another person's identifying information in order to obtain credit fraudulently from banks and retailers; steal money from the victim's existing accounts; apply for loans; establish accounts with utility companies; rent an apartment; file bankruptcy; obtain a job; or achieve other financial gain using the victim's name.

  • Account takeover occurs when a thief acquires a person's existing credit account information and uses the existing account to purchase products and services. Victims usually learn of account takeover when they receive their monthly account statement.
  • In true identity theft or application fraud (often called true name fraud by experts), a thief uses another person's SSN and other identifying information to fraudulently open new accounts and obtain financial gain. Victims may be unaware of application fraud for an extended period of time - which can allow the thief to continue the ruse for months, even years.

1Price may vary by state. Coverage is not available in North Carolina.
2The descriptions of coverages listed on this web site are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this web site are provided at no additional cost unless otherwise specified. Discounts, credits, and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.