All insightsSpecialty

Identity Theft Insurance: What It Actually Pays For

Apr 24, 2026·4 min read

Most people assume their bank or credit card company will make them whole if their identity is stolen. The fraudulent charges, yes — usually. The hundreds of hours and out-of-pocket expenses to clean up the mess? That's on you.

Identity theft insurance reimburses things like lost wages while you fight the fraud, legal fees, notary and certified mail costs, and child-care expenses incurred while resolving the theft.

Many policies also include a recovery specialist who handles the calls, paperwork, and disputes on your behalf. For a few dollars a month, it's one of the highest-leverage coverages we sell.

Need a quote?

We'll match you to the right coverage.

Talk to us