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Identity theft is a common concern in Celina, TX. While many homeowners policies include identity theft protection, what happens if you lease your home and have renters insurance? You may not need to get a separate identity theft policy. Let Rasor Insurance guide you on how to protect your identity while renting.
Standard Policies Don’t Cover Identity Theft
Most renters insurance policies don’t cover identity theft as part of their standard provisions. However, you won’t be left out in the cold. Some companies offer identity theft protection as an optional protection or "rider" for an additional fee. Identity theft provisions can help protect you from the high cost of restoring your identity if someone steals it. Renters frequently overlook this provision. It’s designed to help you resolve complex issues related to identity theft, such as restoring credit, legal fees, loan reapplication fees, notary expenses, and even lost wages that may occur due to the loss.
What Identity Theft Provisions Cover
Getting an identity theft add-on to your renters insurance policy is a good idea if you frequently shop online or use public Wi-Fi. The following coverage, generally included in add-on clauses, will make identity recovery easier and give you peace of mind:
- A credit monitoring service
- Document replacement assistance
- A dedicated portal to monitor progress
- Assistance from a fraud specialist
Some riders may also include reimbursements for stolen funds and unauthorized transactions, bank and credit card fees resulting from fraudulent activities, and the replacement of lost or stolen identification.
Fees for identity theft riders are inexpensive. Some insurers offer more than one level of protection to help you meet your needs.
Learn how you can add identity theft coverage to your renters insurance. Contact the agents at Rasor Insurance, serving residents of Celina, TX, to get started.
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