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Identity Theft Coverage

Identity Theft Coverage

Definition

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.

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