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Several types of identity theft coverage include services, such as credit monitoring, reimbursement, resolution, restoration, and identity theft protection. Credit monitoring services provide services like alerts regarding activities with credit reports. These activities include balance increases and new accounts activation. The downside of this type of coverage is that they do not provide detection for unauthorized withdrawals or alerts regarding lost or stolen credit cards.

Reimbursement services are another type of identity theft coverage that helps people who have been victimized by identity theft to recover some, if not all, of their financial losses due to identity theft. These services may sometimes be included in auto insurance and homeowners’ insurance policies. These services provide emergency cash and fund recovery that amounts to 15 thousand to 30 thousand USD for severe cases of identity theft. These services may also include a provision that reimburses salary for an employee’s missed days of work.

The type of identity theft coverage that provides assistance in restoring what was stolen is called resolutions services. There are companies that include “recovery packets” which contain form letters, contact numbers, and software programs or forms to track progress. These are similar to restoration services, except the company does all the work and research once a signed limited power of attorney is received from the customer. Restoration services cost a little more than resolution services. This may be a good option if the customer prefers to have someone do all the work.

Identity theft prevention services may be the most popular among that different types of identity theft coverage. These services cost around $8.50 to $14.99 a month. They provide reporting for credit reports, social security numbers, public reports, drivers’ licenses, bank accounts, medical records, internet security, new applications, and address changes. Some of these services offer 1 million USD theft insurance and majority offer a trial period for 30 days with one free credit report for each of the major credit bureaus.

Diligence is very important during the process of selecting a company that would provide you identity theft coverage. Be advised that there are some companies that may have false claims about their services. It’s important to do your own research first analyse customer reviews written about these companies.

Written by Andrew Scherer. Visit www.IdentityZine.com to know more about the different types of identity theft coverage.

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