Identity Theft Insurance Coverage

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Key Takeaways

Identity theft is when someone commits fraud by using your personal information as their own, like your full name or bank account number.
There are steps you can take to help prevent it, but unfortunately identity theft happens to even the most careful people.
Identity theft insurance, an optional home insurance coverage, can be added to your policy to help safeguard your information and provide financial protection.

What Is Identity Theft?

Identity theft is when someone steals and uses your personal information without your permission. The types of information that an identity thief commonly steals include:

Names
Addresses
Credit card numbers
Driver’s license numbers
Bank account numbers
Social Security numbers
Medical insurance information

Identity theft occurs often and can happen to anyone. What would you do if:

Someone on the dark web takes out a car loan using your name and information? The bill for the car loan is sent to their address, but they don’t pay it, causing a delinquency on your credit file. You may not know that someone took out a loan in your name, but the lender believes you’re the one not paying.
You discover that your identity has been stolen? Someone has opened accounts in your name through multiple credit card companies and made numerous unauthorized purchases.
Someone uses your personal information to take your tax refund?

In these scenarios, identity theft protection insurance can offer peace of mind knowing you’re covered. You’d simply have to contact your insurance company, and they’d handle the rest.

homeowner protected by id theft insurance

What Is Identity Theft Insurance?

Wondering how does identity theft protection work? In short, identity theft insurance is a coverage on your homeowners insurance policy that helps pay for the cost to recover from fraud or identity theft. Most insurance companies offer this as an additional benefit, so you’ll need to add it to your policy to get protection.

Which Identity Theft Coverage Does The Hartford Offer?

For over 40 years, The Hartford has been protecting AARP members from a number of situations, including identity theft. If you have identity theft coverage on your home insurance policy, we’ll reimburse you for costs associated with restoring your identity after an identity fraud loss during your policy period.² We even offer additional services to help you safely manage your personal information and provide you with resources if you become a victim of identity theft.

How Identity Theft Protection and Insurance Work

Identity fraud insurance offers compensation, up to certain policy limits, for the costs to recover from financial fraud or identity theft, such as:

Fraud-related lost wages
Legal expenses, like notary fees
Credit card issuer late fees resulting from fraudulent purchases
Identity restoration/resolution services

Not all identity theft protection plans offer coverage if someone steals money from you. The best way to know for sure what’s included in your ID theft coverage is to check with your insurance company directly.

To learn more about how AARP^® Home Insurance from The Hartford¹ can help protect you, get a quote online or call The Hartford at 877-422-2345

The Importance of Insurance for Identity Theft

Identity theft can wreak havoc on your life, from your credit history to your sense of security. Without proper coverage, it may take several months to respond to and recover from an identity theft incident, which can be costly.

That’s why it’s important to have coverage with an insurance carrier you can trust. With identity theft protection and insurance from The Hartford, you can enjoy peace of mind knowing we’re here to help keep your information safe and secure.

homeowner protected by insurance for identity theft from The Hartford

How Can I Prevent Identity Theft?

While identity theft can happen to anyone, there are quick and easy steps you can take to protect yourself beyond identity theft insurance policies. Be sure to monitor suspicious activity and place fraud alerts on your cards. Pay close attention to your accounts, including financial statements or other sensitive documents, to keep your information safe. That way, you’ll notice right away if something is off. The sooner you report identity theft, the quicker you can start to recover.

Other Coverages Offered by The Hartford

Identity theft insurance is just one of the additional coverages you can choose from to extend your home insurance protection. Other benefits include:

'New for Old' Protection^‡‡

“New for Old” Protection^‡‡ helps replace your destroyed belongings with new ones of the same quality.

Reimbursement for Replacing Locks

Reimbursement for replacing locks, which pays up to $500 to replace locks, with a $100 deductible, if your keys get lost or stolen.

Equipment Breakdown Coverage

Equipment breakdown coverage helps cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades.

Valuable Items Blanket

Valuable items blanket provides additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help pay to replace it.

Disappearing Property Deductible^‡‡

Disappearing Property Deductible^‡‡reduces your deductible every year when you go three consecutive years without having an insurance loss.

Are you or your loved one a small business owner? The Hartford offers cyber insurance coverage to help keep you and your business secure. You can get a standalone policy, or add coverage to a general liability or business owner’s policy. To learn more, call The Hartford at 855-440-1078.

Get Identity Theft Insurance From The Hartford

When it comes to ID theft insurance, there’s no one-size-fits-all solution. Stolen identity can take place in many different forms, but at The Hartford, we offer customizable coverage options to protect you through them all. Get a quote online today or call The Hartford at 877-422-2345. Our representatives are happy to answer any questions you may have and tailor your policy to meet your unique needs.

Identity Theft Insurance FAQs

How Expensive Is Identity Theft Insurance?

Identity theft coverage is an optional benefit you can add to your home insurance policy with The Hartford. Because it’s one of the many home insurance coverages working together to help keep you and your home safe, there’s no one-size-fits-all price. Generally, costs for insurance are based on many complex factors that are personal to you. You can get a personalized AARP member quote by calling The Hartford at 877-422-2345.

Is Identity Theft Insurance Worth It?

It’s quick and easy to add identity theft coverage to your policy with The Hartford. With this home insurance coverage, we’ll reimburse you for costs associated with restoring your identity after an identity fraud loss during your policy period.³ Without it, you’ll have to pay these expenses out of pocket, which can add up quickly. Plus, our industry-leading customer service representatives will guide you through the process, saving you time and helping you avoid frustration. They’ll even offer advice and support to ensure your information stays secure, even after your insurance claim.

Who Needs Insurance Coverage for Identity Theft?

Insurance companies offer identity theft protection services because identity theft can happen to anyone at any time. Not to mention, it can take significant time, effort and money to get your life back on track. That’s why identity protection insurance is an important coverage for everybody to have on their home insurance policy (or business owner’s policy).

Homeowners Insurance Rates

Homeowners Insurance Frequently Asked Questions (FAQs)

Home Insurance Quotes From The Hartford for AARP Members

^2,3 This coverage will reimburse you for out-of-pocket expenses related to identity theft or fraud such as: (1) lost income due to time away from a job to work with credit agencies, or (2) legal expenses needed to remove criminal or civil judgments caused by fraud. ID fraud is a scary fact of life in today’s tech-driven world. But The Hartford’s ID Fraud Expense coverage can help to reduce the financial impact of these crimes. Our coverage will reimburse you for up to $25,000 in out-of-pocket expenses related to identity theft or fraud. This also includes protection against lost income, with a total limit of $7,500 and a limit of $300 per day. You can use lost income coverage as reimbursement for time away from a job to work with credit agencies, or for legal expenses needed to remove criminal or civil judgments caused by fraud.

** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.