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Identity Fraud Expense Coverage

shredded documents for identity theft prevention

Identity theft is a crime, and it can seriously disable you financially.

During an average day, you may make a purchase by writing a check or using your credit card. You may also pay your bills or call home. Chances are you don't give these everyday transactions a second thought, but someone else may. With just a small amount of personal information, someone can steal your identity and use it for financial gain.

Identity theft has been first on the Federal Trade Commission's list of consumer complaints for more than a decade. One study1 reported that the number of identity theft victims in 2010 was 8.1 million - nearly 3.5% of the U.S. adult population - with a new victim every three seconds. Restoring your identity can require hundreds of hours and costs $631 annually per fraud victim, according to the same study.

Please contact your sales representative for complete coverage details.

Identity Fraud is Expensive—Liberty Mutual Can Help
The statistics are staggering. That is why we offer Identity Fraud Expense Coverage, which can be added to your property insurance policy (including Renters, Condo, and Home). Not only do we reimburse you for certain expenses, but we also offer personal assistance to victims of identity fraud through our Identity Fraud Crisis Resolution Center. Policyholder victims may be assigned a counselor advocate throughout the identity restoration process.

+How Can an Identity Theft Counselor Help?-How Can an Identity Theft Counselor Help?How Can an Identity Theft Counselor Help?
  • Serves as a liaison between victim and creditors, and relevant agencies to review accounts and make corrections;
  • Provides immediate notification to the three national credit bureaus (TransUnion, Equifax, and Experian);
  • Obtains for the policyholder a 3-in-1 credit report from the three bureaus; and,
  • Provides a year of credit monitoring from the date of first report to help prevent further losses.

If you become a victim of identity theft, this personal assistance can help you save time, save money, and avoid aggravation. Working with someone who understands the issues and concerns you face can provide you with peace of mind.

+What's Covered?-What's Covered?What's Covered?

Liberty Mutual's Identity Fraud Expense Coverage will provide coverage up to $15,000 per occurrence and $30,000 per policy period for the following expenses:

  • Approved reasonable attorney fees. Victims have been known to spend thousands of dollars on attorney fees as they work to restore their good name.
  • Employer-documented lost wages for work time lost to meet with attorneys, law officials, and others concerning your claim.
  • Loan application fees when reapplying for a loan that was rejected due to credit fraud.
  • Costs for notarizing the appropriate official documents.
  • Costs for certified mail to appropriate law enforcement agencies, financial institutions, etc.
  • Related long-distance phone calls to merchants, law enforcement agencies, creditors, etc.

This coverage can be added to your Homeowners policy for $35 or less per year - a small investment for your financial security.2

Minimize Your Risk of Identity Theft
In addition to protecting yourself with Liberty Mutual's Identity Fraud Expense Coverage, you can minimize your risk of becoming a victim by managing your personal information wisely. Practice the following tips to help protect you and your family.

  • Don't give your personal information over the phone in an unsolicited call. Be cautious. Ask the caller to send you information in writing.
  • Shred all your important documents. Identity thieves will go through your trash and retrieve copies of your checks, credit card and bank statements, mail and other personal records.
  • Do not carry your Social Security card, birth certificate or passport.
  • Monitor your bank records and credit reports often. Identity theft can go on for years before it is noticed, so check your credit report at least once a year. Your bank statements should be checked each month.


Conducting business on the Internet can be convenient, but you should be careful about giving personal information.

  • Do not supply personal information to a non-reputable company or suspicious website. You can verify the integrity of a site through the Better Business Bureau Online. The site also has helpful tips about shopping online.
  • Beware of e-mail solicitations that appear to be associated with legitimate businesses, financial institutions or government agencies requesting personal information such as your Social Security number, bank or credit card numbers or personal identification numbers. You should not give out financial information online unless you initiated the contact and know the party with whom you are dealing.


Practice the safety tips listed above and add Liberty Mutual's Identity Fraud Expense Coverage to your Homeowners policy today.

1Javelin Strategy & Research 2011 Identity Fraud Survey Report

2Price may vary by state. Coverage is not available in North Carolina.

The 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.