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Identity Theft Insurance

Protect your good name with identity theft insurance coverage.

Identity theft, also known as identity fraud, is the illegal act of stealing personal information, such as Social Security numbers or financial details. With that information, thieves can take over existing accounts, open new credit cards or apply for loans in your name.

As more of our daily lives move online, identity theft has become one of the fastest-growing crimes in the country. As more daily activity moves online, even careful consumers can be exposed through data beaches, phishing scams or routine transactions. When identity theft happens, resolving the issue can require time, documentation and legal follow up. 

Identity theft insurance helps manage the recovery process by reimbursing eligible expenses and connects you with specialists who guide you through restoring your identity.

What identity theft insurance covers

When you have Amica’s identity theft insurance coverage, you’ll have both financial protection and expert guidance to help restore your identity quickly and efficiently. This coverage is designed to support you through every stage of recovery – from discovering the issue to completing the final paperwork and restoring your credit profile. Some additional benefits include:

  • Up to $15,000 in reimbursement
    Covers eligible expenses such as legal fees, notary services, lost wages and the replacement of government-issued identification. These costs can add up quickly when you’re working to correct fraudulent accounts or dispute inaccurate credit records.
  • 24/7 access to a resolution expert
    Speak directly with a dedicated identity fraud specialist via a toll-free number for guidance every step of the way. You’ll have access to professional assistance whenever you need it so you’re never handling complex issues on your own.
  • Assistance with critical documentation
    Get help completing identity theft-related paperwork and making phone calls to financial institutions, service providers and government agencies. This support ensures your information is updated accurately and that communication with key contacts remains organized and timely.
  • Support coordinating with key agencies
    Receive hands-on help contacting credit bureaus, creditors and government entities to mitigate and resolve the fraud. Coordinated communication helps limit further damage, speeds up resolution and restores your accounts more efficiently.
  • Help filing reports and affidavits
    Receive guidance with submitting police reports and sworn statements to assist with investigations and legal follow-up. Having an expert on your side simplifies the process and ensures all documentation is completed and submitted properly.
  • Credit and fraud monitoring
    If your ID was stolen out of your wallet or handbag, you’ll receive one year of proactive credit and fraud monitoring to detect suspicious activity early and take action before the damage escalates. Continuous monitoring gives you confidence that new issues will be spotted quickly.

Together, these benefits help minimize the disruption and financial impact of identity theft so you can focus on recovering with less stress.

Learn more about identity theft

Find helpful resources to protect your identity and learn to recognize the latest scams all in one place.

Amica's Identity Theft Information Center

Woman standing looking over a man’s shoulder. Man is seated and looking at a smartphone. Identity theft coverage

How identity theft insurance works

Adding identity theft insurance to your homeowners, condo or renters policy is an easy way to strengthen your financial protection.

Here’s how it works:

  1. Call Amica to add identity theft coverage to your existing policy to activate protection.
  2. Activate access to fraud specialists (if applicable).
  3. Receive guidance and reimbursement for eligible expenses if a covered incident occurs within your coverage period.

This coverage integrates with your policy, giving you confidence that professional support is available if your personal information is ever compromised. 

It is important to note that if you live in an eligible state with Amica’s Essential, Advantage, or Signature package, your policy may already include identity theft coverage or cybersecurity protection—depending on the package you selected and your state of residence. You may want to review your policy or contact an Amica representative to confirm what is included in your current policy.

FAQs about identity theft insurance

Anyone who uses online banking, shops digitally or manages accounts electronically can benefit from this coverage. Even careful consumers can be exposed through scams or data breaches, making identity theft insurance plans a practical safeguard for today’s connected households.

Credit monitoring alerts you to unusual activity, such as new accounts or changes in your credit score. Identity theft insurance plans go further by helping you recover after identity fraud occurs. It provides financial reimbursement for eligible expenses and connects you with experienced resolution experts who walk you through the recovery process from start to finish.

Yes. If your personal information is compromised in a data breach, identity theft coverage can help you take corrective action and recover costs tied to restoring your identity, closing fraudulent accounts and updating your credit records.

If separate incidents occur, you can submit multiple covered claims within the terms of your policy. Each claim is reviewed individually, and coverage limits and deductibles apply per occurrence.

Customer service that earns loyalty

Empathy isn't just a word — it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.

One call is all it takes to add identity theft protection to your homeowners, condo or rental policy and help keep your personal information secure and your mind at ease.

Call today 800-242-6422