ID Theft


ID thieves are smart and persistent. Fortunately, so are we – but a lot more so.

Diligent may be a funny word to use, but that's what identity thieves are. They tirelessly search for opportunities in all sorts of places – financial institutions' databases, emails, your mailbox and trash. They even sell information to other thieves. If your wallet has been stolen, the first thief may take the cash and then sell your cards and ID to another one.

The end result is upwards of 11,000,000 incidents of identity fraud and theft each year. Realistically, that means that everyone is a target. Some people find out when their bank balance vanishes, or they are denied for a loan, or when they are arrested for a crime committed under their name. The really unlucky ones find out when they are denied for a medical coverage because someone receiving medical care under their name maxed out their lifetime coverage.

Fixing the situation requires a lot of knowledge, time, energy, and sheer persistence. It can also be expensive.

We've got you covered

Our Identity Fraud program is available as an endorsement to your Electric Insurance home, condo or tenants policy. It's also included in our exceptional Premier Choice homeowners policy. It does two important things: help you recover costs you incur to correct issues and provide best-in-class, one-on-one restoration services.

Incurred Expenses Coverage

The expense recovery portion of our Identity Fraud endorsement helps make sure you don't lose even more than the thieves stole while you work to correct the damage. It covers expenses – up to $25,000 – you incur while you work to get your life back in order. (See below for details.)

Identity Recovery Services

Navigating the maze of identity fraud restoration by your self is highly complex, stressful, and time-consuming. Genuinely expert, one-on-one, unlimited assistance helps you put your life back together. That's why our recovery services are powered by CyberScout™ – the leading expert in identity fraud and theft.

You have unlimited access to highly trained fraud specialists:

  • Fair Credit Reporting Act-certified
  • Members of the International Association of Financial Crimes Investigators
  • Members of the Association of Certified Fraud Examiners; and may also be a Certified Fraud Examiner or currently enrolled in the Certified Fraud Examiner

Proactive Service Features help those who may have been exposed to identity fraud.

  • Available without a claim
  • One-on-one case handling, from first call to crisis resolution, with a single fraud specialist
  • Fraud specialist-assisted notification to all three major credit bureaus
  • Unlimited, toll-free, 24/7/365 access to Identity Theft 911's Resolution Center
  • Unlimited access to an exclusive website that delivers news alerts (updated daily), monthly newsletters, and unique educational content to help you better stand up to identity fraud.

Restoration Services work with victims to help get their identities back on track.

  • No deductible applies
  • Unlimited, toll-free access to a personal fraud specialist
  • Comprehensive case file that includes police reports, fraud victim affidavits, and other documents needed by law enforcement and insurance companies–all you have to do is review and sign the necessary documents
  • Development of all necessary documentation and phone calls and/or conference calls to affected organizations
    • Notification to all three major credit bureaus, government agencies, collection agencies, creditors, etc.
    • One year of free credit monitoring, including a 3-in-1 Report for victims
    • One year of free fraud monitoring of more than 1,000 pubic databases for victims
    • Assistance replacing lost, stolen or destroyed personal ID or papers

Here's how it works

The Identity Fraud Expense coverage portion of the endorsement covers certain expenses you may incur while you work to restore your identity.

  • Notarizing documents required by financial institutions, credit grantors or credit agencies
  • Certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors
  • Lost income resulting from time taken to resolve related issues
  • Loan re-application if the first application was rejected due to false credit information
  • Reasonable attorney fees incurred to:
    • Defend lawsuits brought against you by merchants, financial institutions or collection agencies;
    • Remove any criminal or civil judgments wrongly entered against you; and
    • Challenge the accuracy or completeness of any information in a consumer credit report.
  • Charges incurred for calls to merchants, law enforcement agencies, financial institutions, credit grantors or agencies to report/discuss an the identity fraud

12 Specialty Restoration & Recovery Programs

  • Account Take-over or Identity Theft Services
  • Theft or Burglary
  • Debt Tagging
  • Tax-Related Fraud
  • Marriage Identity Service
  • Parents and Guardians of Minor Children at Risk
  • Active-duty Military Personnel (world-wide)
  • Medical Identity Theft Victims
  • Estate Services for Widows and Widowers
  • Business and Leisure Travelers
  • Personal or Employment Relocation
  • Disaster Victim


* Product, service, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply. Identity Management Services are powered by CyberScout™.


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