Now, If You Lose Your Identity, We Help You Keep Your Sanity.

Identity Theft Costs Money – And Time.

When someone uses your personal or financial information to commit fraud or other crimes, you are a victim of identity theft. It is America’s fastest growing crime.

The cost of recovering a stolen identity can reach a thousand dollars or more. But victims report that the time and emotional toll identity theft and recovery take are the greatest losses.

It is frustrating, confusing and, at times, even frightening. That is particularly true in cases where the thief takes control of your identity and opens one or more fraudulent accounts in your name.

Help on the Road to Recovery.

With this optional endorsement added to your homeowners policy you’ll not only get identity theft coverage for identity recovery expenses, but also identity recovery services for personal help restoring your credit and identity records. Highlights of our Identity Recovery Coverage include:

Identity Recovery Helpline.

Identity Recovery Counselors are available at our toll-free Helpline to initiate your identity theft claim and get you on the road to identity recovery. A Counselor will answer your questions, recommend important next steps, provide claim forms and send you an “Identity Recovery Customer Guide”.

Experienced Case Managers.

Verified identity theft claimants who want personal help with the identity recovery process will be assigned an experienced Case Manager. Your Case Manager will handle all the steps you approve that a third party can legally take on your behalf to help you identify where fraud has occurred, make the right contacts and speed the often complicated recovery process. If you prefer to manage the process yourself, your “Identity Recovery Customer Guide”, a stepby- step source complete with pre-written letters to creditors and credit bureaus, will help you every step of the way.

Expense Reimbursement.

Identity Theft Coverage reimburses you for up to $25,000 for covered expenses incurred to repair your credit history and identity records in the event of an identity theft. Covered expenses include:

• Lost wages as a result of time away from work.
• Credit bureau reports.
• Fees for reapplying for loans declined due to falsified credit information.
• Postage, phone and shipping fees.
• Certain legal fees caused by identity theft.
• Notary and filing fees.

Insure with Frederick Mutual – Get More.

Frederick Mutual’s Identity Recovery Program is just one way our customers benefit from insuring with us. If you are looking for real help for today’s needs, you can count on us.