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Identity restoration can help if identity theft protection fails

While we can’t protect you from identity theft, identity restoration coverage can help make restoring your financial state less painful and costly.

At $25 per year, it can be added to your State Farm® home, renters, condominium, manufactured home, or farm policy.

What sets State Farm identity restoration coverage apart?

19,000 agents

You get a dedicated agent with every policy. If you need a hand, your State Farm agent is ready to help.

Since 1922

You get the same reliable service from the largest auto insurance provider in the U.S.

At your service

You get your claim handled promptly and reliably.

What is cyber event, identity restoration, and fraud loss coverage?

With cyber event, identity restoration, and fraud loss coverage, State Farm can help provide coverage for expenses and assistance in restoring your identity. We may also provide coverage if you’re responsible for an elderly parent and have power of attorney. Coverages available only for homeowners, renters & condo unit owners.footnote 1 It is also available for manufactured home policies in some states.

Speak with a local State Farm agent

Cyber attack coverage

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


Cyber extortion coverage

Helps pay for professional assistance from an expert and response costs for an insured who has experienced a cyber extortion event. 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.

 


Identity restoration case management service

A personal case manager may be assigned to help you recover control of your identity and assist you with correcting your credit history with affected agencies and institutions. This can include the case manager working with credit card companies, credit bureaus, creditors and businesses to help you correct records and recover control of your identity. Case management services are available for up to 12 months.


Contingent credit monitoring

You will receive credit monitoring service if you experience a situation that may increase your risk, such as the loss of your purse, wallet, electronic device or paper financial records. An increased risk event does not include the notification of a breach of your personal information.


Fraud coverage

If you have been a victim of a fraud event, fraud loss coverage helps you in a couple of ways.

  • Supplements what is not covered by your homeowners policy, which may already cover limited 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.

 

What is identity restoration coverage?

This coverage is available in some states with the manufactured home and farm/ranch policies. Identity restoration coverage helps provide case management and expense reimbursement incurred as a direct result of identity fraud.

Identity restoration case management service

Provides the services of an identity restoration case manager as needed to respond to the identity fraud.


Identity fraud expense reimbursement

Helps pay the necessary and reasonable identity fraud expenses incurred as a direct result of the identity fraud.

Frequently asked questions about identity restoration







Get a local agent who gets you

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Other insurance options

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Coverage for your motorcycle

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Coverage for your antique car

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Coverage for your off-road vehicle

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Coverage for your motorhome

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Coverage for your travel trailer

Simple Insights®

Looking for more? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

return to reference 1 Subject to a per occurrence deductible of $500. Cyber attack and extortion coverages are subject to a $15,000 combined annual limit. Identity restoration and fraud loss coverage have a $50,000 limit.

return to reference 2 Expense reimbursement coverage and fraud loss coverage are jointly subject to an expense reimbursement and fraud loss limit of $50,000 annual aggregate per insured.

return to reference 3 Fees charged by an approved attorney include:

  • 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

Ranking information (as applicable) is based on 2023 premium data provided by S&P Global Market Intelligence.

Identity restoration and fraud loss coverage may not be available in all states. This information contains only a general description of available coverages and is not a statement of contract. Exclusions and limitations may apply. All coverages are subject to all policy provisions and applicable endorsements. For further information, see your State Farm agent.

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