identity theft coverage
Optional endorsement available under the homeowners policy to insure a criminal
event in which an imposter obtains key pieces of personal information, such
as Social Security or driver's license numbers, in order to impersonate the
insured. The information can be used to obtain credit, merchandise, and services
in the name of the victim, or to provide the thief with false credentials. This
endorsement provides first-party coverage for expenses incurred by an insured
as a direct result of any one identity theft first discovered during the policy
period.