Identity restoration can help if identity theft protection fails
While we can’t protect you from identity theft, identity restoration coverage can help make restoring your financial state less painful and costly.
At $25 per year, it can be added to your State Farm® home, renters, condominium, manufactured home, or farm policy.
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What is cyber event, identity restoration, and fraud loss coverage?
With cyber event, identity restoration, and fraud loss coverage, State Farm can help provide coverage for expenses and assistance in restoring your identity. We may also provide coverage if you’re responsible for an elderly parent and have power of attorney. Coverages available only for homeowners, renters & condo unit owners.footnote 1 It is also available for manufactured home policies in some states.
Cyber attack coverage
Helps pay for data recovery and system restoration costs as the direct result of a cyber attack involving a computing device.
Cyber extortion coverage
Helps pay for professional assistance from an expert and response costs for an insured who has experienced a cyber extortion event. A cyber extortion event includes a demand for money to restore access or functionality, or a threat to damage, disable, deny access or distribute content.
Identity restoration case management service
A personal case manager may be assigned to help you recover control of your identity and assist you with correcting your credit history with affected agencies and institutions. This can include the case manager working with credit card companies, credit bureaus, creditors and businesses to help you correct records and recover control of your identity. Case management services are available for up to 12 months.
Contingent credit monitoring
You will receive credit monitoring service if you experience a situation that may increase your risk, such as the loss of your purse, wallet, electronic device or paper financial records. An increased risk event does not include the notification of a breach of your personal information.
Fraud coverage
If you have been a victim of a fraud event, fraud loss coverage helps you in a couple of ways.
- Supplements what is not covered by your homeowners policy, which may already cover limited credit card and debit fraud, check forgery and counterfeit cash.
- Provides coverage for financial loss arising from a wide range of frauds. These include identity fraud, miscellaneous frauds, as well as intentional and criminal deception to induce you to part voluntarily with something of value.
What is identity restoration coverage?
This coverage is available in some states with the manufactured home and farm/ranch policies. Identity restoration coverage helps provide case management and expense reimbursement incurred as a direct result of identity fraud.
Identity restoration case management service
Provides the services of an identity restoration case manager as needed to respond to the identity fraud.
Identity fraud expense reimbursement
Helps pay the necessary and reasonable identity fraud expenses incurred as a direct result of the identity fraud.
Frequently asked questions about identity restoration
State Farm can assist with case management and expense reimbursement.
Case management
If you’re a victim of identity theft while carrying State Farm Identity Restoration Insurance, we will help as you attempt to restore your identity or recover from fraud. In addition to expense reimbursement that many insurers cover, we'll also assign a case manager.
The manager
Works directly with your credit card companies, credit bureaus, creditors, and other financial institutions for up to one full year for a covered incident.
The guide
Shows what to do after identity theft, and includes examples of letters to send to creditors and credit bureaus, as well as other useful information to aid with the identity restoration process.
Expense reimbursement
In addition to assigning a case manager for up to a year, we'll reimburse you up to $50,000 for necessary and reasonable expenses incurred to restore your identity.footnote 2
Reimbursable costs covered
- Refiling applications for loans or other credit instruments
- Credit reports from established credit bureaus
- Notarizing affidavits, postage, and long-distance phone calls
- Costs incurred by an insured person to recover control of his or her personal identity
- Fees from financial institutions resulting from the identity fraud
- Fees charged by an approved attorneyfootnote 3
- Actual lost wages for the insured
Identity theft is the act of stealing someone's personal information and identity fraud is the use of an individual's identifying information to commit crimes. Learn more about the differences between identity theft and identity fraud.
Keeping your computer, tablet, and cell phone software up to date is a simple first step. Also, simply check the web address to make sure it belongs to the business you want to purchase from. Discover more tips to prevent identity theft.
Use a unique, strong password everywhere. They should ideally be 12-15 characters and include a combination of uppercase letters, numbers and special characters. Also consider Multi-Factor Authentication (MFA) when possible. Learn more ways to prevent your account from being hacked.
Phishing refers to when perpetrators send fraudulent email messages requesting confidential information. The information then allows the perpetrator to gain access to the victim's accounts and steal the victim's identity. Learn about the phishing policy of State Farm.
If your identity has been stolen, you should report the identity theft as soon as possible. You'll want to contact your local police department and the company that you believe the fraud started with. Update all of your log in credentials and possibly freeze your credit or create a fraud alert with the credit bureaus.
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return to reference 1 Subject to a per occurrence deductible of $500. Cyber attack and extortion coverages are subject to a $15,000 combined annual limit. Identity restoration and fraud loss coverage have a $50,000 limit.
return to reference 2 Expense reimbursement coverage and fraud loss coverage are jointly subject to an expense reimbursement and fraud loss limit of $50,000 annual aggregate per insured.
return to reference 3 Fees charged by an approved attorney include:
- Defend against civil suits brought against a covered individual
- Remove civil judgments wrongfully entered against a covered individual
- Assist at audits or hearings conducted by governmental agencies
- Challenge the accuracy of a covered individual's credit report
- Defend against criminal charges arising from third parties using the personal identity of an insured person
Ranking information (as applicable) is based on 2023 premium data provided by S&P Global Market Intelligence.
Identity restoration and fraud loss coverage may not be available in all states. This information contains only a general description of available coverages and is not a statement of contract. Exclusions and limitations may apply. All coverages are subject to all policy provisions and applicable endorsements. For further information, see your State Farm agent.
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