Identity Restoration Insurance From State Farm®

The Bureau of Justice Statistics reports that, in 2014, 17.5 million Americans were victims of identity theft, forcing them to spend a great deal of time and money repairing the damage done to their credit and finances.

While we can’t protect you from identity theft, our identity restoration insurance can make the recovery process easier, faster, and less expensive.

This protection – costing just $25 per year – can be added to your State Farm home, apartment, condominium, manufactured home, or farm policy, and covers you, your spouse, and relatives / dependents (under 21 years old) living in your household.

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Case Management

Many insurers offer coverage that’ll reimburse the money you spend attempting to recover your credit, but State Farm identity restoration insurance goes further.

If you’re a victim of identity fraud while carrying State Farm identity restoration insurance, in addition to expense reimbursement, we’ll assign a case manager who’ll work directly with your credit card companies, credit bureaus, creditors, and other financial institutions for up to one full year for a covered incident.

Having a case manager working on your behalf can really streamline the process, but if you’d rather do the work yourself, your case manager can provide an identity recovery guide. This guide shows what to do after identity fraud, 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 $25,000 for necessary and reasonable expenses incurred to restore your identity. Here are some of the reimbursable costs covered by State Farm identity restoration and fraud loss coverage:

  • Refiling applications for loans or other credit instruments
  • Credit reports from established credit bureaus
  • Notarizing affidavits, postage, and long-distance phone calls
  • Fees charged by an approved attorney to:
    • 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
  • Costs incurred by an insured person to recover control of his or her personal identity
  • Fees from financial institutions resulting from the identity fraud

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Identity Restoration Coverage Enhancements

Beginning 2017, enhancements are being made to the Identity Restoration coverage to better protect your personal identity if you have an identity fraud case or are a victim of a cyber attack. Contact your agent to find out when the endorsements are available to you.

Cyber Attack Coverage

Pays for data recovery and system restoration costs as the direct result of a cyber attack involving a computing device.

Cyber Extortion Coverage

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. Cyber extortion coverage pays for professional assistance from an expert and response costs for an insured who has experienced a cyber extortion event.

Cyber Attack and Cyber Extortion coverages are subject to a combined annual limit of $15,000.


Fraud Coverage

Fraud Loss Coverage helps protect you if you have been a victim of a fraud event.

  • Fraud coverage supplements what is not covered by your Homeowners policy, which may already cover 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.

Learn More About Identity Restoration Insurance

Identity restoration insurance won’t keep you from being a victim of identity theft, but it can help make restoring your financial state less painful, and costly.