IDENTITY THEFT INSURANCE | What Identity Theft Insurance Covers & Why You Need It

BLOG_In our increasingly connected world, identity theft is easier than ever

Identity Theft Insurance | In our increasingly connected world, identity theft is easier than ever. According to one study, in 2017 alone, 16.7 million U.S. consumers fell victim to identity fraud to the tune of some $16.8 billion. With Florida being ranked third in the country as the state with the highest rate of identity theft, it’s no wonder that so many lawyers, investigators and financial institutions in the Sunshine State now specialize in helping victims recover from this type of crime. Identity theft insurance can also help victims mitigate the costs associated with this exhausting experience.

It can take anywhere from a few weeks to several years to recover from an identity theft incident. In most cases, identity theft is financial in nature, with criminals using credit card numbers, withdrawing money from bank accounts, opening new credit accounts, and borrowing money under stolen identities. In extreme cases, identity thieves go so far as to assume the victim’s identity: getting jobs, taking out insurance policies, and renting or even buying homes.

Banks and credit card companies will generally cover the reimbursements for financial losses. However, one thing they do not help with is navigating and cleaning up the far-reaching mess that some of these thefts can create. Identity theft insurance can help pick up the pieces and get victims through the ordeal.

American Integrity’s Identity theft insurance includes Restoration Case Management, which includes the services of a licensed private investigator and the limited power of attorney. Additionally, American Integrity’s identity theft insurance also provides reimbursement for the following:

  • Legal fees (Civil Judgments and Criminal Defense)
  • Phone, postage, shipping fees
  • Notary and filing fees
  • Credit reports
  • Lost wages and child or elder care up to $5,000
  • Mental Health Counseling costs up to $1,000
  • Miscellaneous expenses up to $1,000

Dealing with the aftermath of a stolen identity can be a complex, costly and time consuming task. However, like having any other insurance coverage, accessing reimbursement funds and expert guidance from your ID theft policy can mean the difference between financial hardship and potentially thousands of dollars in indirect losses.

If you are considering identity theft insurance, contact your American Integrity Insurance Agent today. Visit American Integrity Insurance for more information and to connect with an agent for a free, no obligation identity theft insurance quote in Florida.


American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurancecondo insurancerenters insurance, and the special coverage required for vacant homesmanufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insuranceumbrella insurancegolf cart insuranceboat insurancecyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.


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