Smartphone protection
Cover every phone in the home.
Identity Theft Protection and Credit Monitoring
If someone opens an account or moves money out of your bank in your name, this plan helps pay to put things right, with up to $1 million in identity theft insurance. It also keeps watch on your credit at all three bureaus so you hear about trouble early. Tell us where you live and a licensed broker will follow up with a quote. Currently serving California.
We shop the market for you, no broker fees
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
For people who want to know first
Your credit score can decide whether you get a loan and what rate you pay, so it helps to see a problem before a lender does. These plans put your reports from all three major bureaus in one place, alert you to suspicious activity and help pay for the cleanup if your identity is stolen.
Before a big loan
If you're about to apply for a home loan, a car loan or a new card, you can see your scores from all three bureaus before the lender does, and try a score simulator to see how a payment might move them.
Your details in the wrong hands
You get an alert when your Social Security number is used, when your details turn up on the dark web or when someone changes your mailing address.
Kids at home
Some plans add family protection for up to three children under 24 who live with you.
What each half of this policy covers
What it usually covers
- Money taken from an account in your name by an electronic transfer you never approved
- Lawyers and experts you need to clear your name
- Your own out of pocket costs while you sort it out
- Pay you lose from time off work to deal with it
- A case manager in the U.S. who works with you to restore your identity
What it does not cover
- Credit counseling. The optional credit building tool can guide you, but it doesn't promise a loan or a higher score
- Mistakes in the reports themselves, which come from the bureaus
Limits and terms
- 01
Up to $1 million
Stolen funds, legal fees and other costs are covered up to $1,000,000 in total.
- 02
Lost wages
Up to $1,500 a week, for as long as five weeks.
- 03
Family protection
Where a plan includes it, your children have up to $25,000 of identity theft insurance.
- 04
How often you see your reports
The main difference between plans is how often you get full reports and scores from all three bureaus: every month, twice a year or once a year.
Who can apply
- Family protection counts up to three of your children under 24, as long as they live with you when the theft happens
- Homes in California
Coverages that go with it
Homeowners insurance
Protect the home and what is in it.
What to have ready
- How often you'd like full credit reports: every month, twice a year or once a year
- If you want family protection, how many of your children under 24 live with you
Questions we get asked
What does the insurance actually pay for?
Say someone moves money out of your checking account with an electronic transfer you never approved. The insurance can pay that back, along with legal fees and other costs, up to $1 million. If you miss work to sort it out, lost wages are covered up to $1,500 a week for up to five weeks.
Are my kids covered?
On plans with family protection, up to three of your children under 24 are covered as long as they live with you when the theft happens. Their identity theft insurance goes up to $25,000.
Which credit score will I see?
It depends on the plan. Some show your FICO scores from all three bureaus, while the credit building tool uses VantageScore 3.0. Keep in mind a lender may use a different score than the one you see.
Can it help me fix mistakes on my credit report?
There's an optional credit building tool that gives you a personal plan and helps you write and keep track of dispute letters for anything that looks wrong. Results vary, and it doesn't promise a higher score.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.