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Identity theft insurance & protection

Recovering from identity theft costs time and money. Add identity-theft coverage that reimburses your expenses and gives you expert help restoring your name and credit.

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Identity theft is one of the most common consumer crimes, and the real cost is often the hours — sometimes hundreds — spent proving you're a victim and untangling fraudulent accounts. Identity-theft insurance won't stop a breach, but it reimburses the out-of-pocket expenses of recovery and, just as importantly, provides a resolution specialist to do much of the work with you. It's frequently available as a low-cost endorsement on your homeowners or renters policy. Maru helps Washington and Florida clients add it the affordable way.

Quick take: Identity-theft coverage reimburses the costs of recovering your identity — not stolen funds directly, which your bank or card issuer typically handles. The most valuable part is often the resolution service that guides you through disputing fraud, filing reports, and restoring your credit.

What identity-theft insurance covers

Typical identity-theft coverage
CoverageWhat it does
Recovery expense reimbursementNotary, mailing, phone, and document costs
Lost wagesTime off work to resolve the theft
Legal feesCertain attorney costs to clear your name
Resolution servicesA specialist who helps restore your identity and credit
Credit monitoringAlerts to suspicious activity (with some plans)

How it works

If your identity is stolen, you contact the insurer's identity-recovery team, who help you place fraud alerts, dispute fraudulent accounts, work with credit bureaus, and document everything. The policy reimburses the covered expenses you incur along the way, up to your limit. Because it's usually added as an endorsement, the cost is modest relative to the time and stress it saves. We'll bundle it into your existing home or renters policy where it makes sense.

Who benefits most

Anyone with a credit file benefits, but it's especially worthwhile for busy households, small-business owners who mix personal and business finances, older adults who are frequent fraud targets, and anyone who's already had a data breach exposure. It pairs naturally with the rest of your personal coverage, and we're glad to review whether your current policy already includes a version of it.

Frequently asked questions

Does identity-theft insurance reimburse stolen money?
Generally no — direct fraud losses on bank and credit accounts are usually handled by your financial institution. Identity-theft coverage reimburses the costs of recovering your identity and provides expert help to do it, which is where victims spend the most time and money.
Isn't this already part of my homeowners policy?
Sometimes a limited version is, and sometimes it's an optional endorsement. We'll check your current policy and add or increase the coverage if it's missing or thin.
What's the resolution service worth?
Often more than the reimbursement itself. A dedicated specialist handles the calls, disputes, and paperwork with credit bureaus and creditors, which can otherwise take a victim dozens of hours to sort out alone.
How much does it cost?
As an endorsement on a home or renters policy it's typically a small annual amount for a meaningful benefit. We'll show you the exact cost when we quote or review your policy.
Vadim, licensed insurance advisor at Maru Insurance
Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.

Ready for a quote that actually fits?

Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.

Get a free quote Call 360-255-8725