Seguro contra robo de identidad

What Is Identity Theft?

Identity theft is a serious and growing crime that can significantly affect you if you’re a victim. When someone uses your personal information without your permission, it’s considered identity theft. The type of information that is commonly stolen are:
 
  • Names
  • Addresses
  • Credit card numbers
  • Bank account numbers
  • Social Security numbers
  • Medical insurance information
Identity theft can happen to anyone and the negative consequences can be crippling. What would you do if:
 
  • Someone takes out a car loan using your name and information? The bill for the car loan is sent to their address, but they don’t pay it, causing your credit score to go down. You may not know that someone took out a loan in your name, but the lender believes you’re the one not paying.
  • You discover that your identity has been stolen and someone has taken credit cards our in your name?
  • Someone uses your personal information to take your tax refund?
  • Someone creates a new passport with your personal information and uses it to travel or for fraudulent activity?

What Is the Best Identity Theft Insurance?

Seguro contra robo de identidad The Hartford offers different identity theft insurance coverages for a number of situations. Whether you’re a business owner or homeowner, we understand the risks when it comes to identity theft and we’re here to help protect you.
 
The Hartford offers homeowners the Home Advantage Package which consists of four different coverages, including Identity Fraud Expense Coverage. With this coverage, you can be compensated up to $25,000 of your out-of-pocket expenses to recover from fraud or identity theft.
 
If you’re a business owner, you can add data breach insurance coverage to your general liability or business owner’s policies. We offer two types of this data breach coverage. Our first type is a first party coverage called data breach response expenses and provides coverage for the business owner’s expenses. This covers:
 
  • Notification expenses
  • Crisis management expenses
  • Credit monitoring services
  • Good faith advertising
  • Legal or forensic services
As a business owner, you can add optional business income and extra expenses coverage to help cover any loss of income due to a data breach. You can also add optional extortion threat coverage.
 
Our second type is data breach defense and liability coverage, which helps provide coverage for third party civil awards, settlements and judgments resulting from a data breach claim.
 
Whether you’re a home owner or business owner, when it comes to identity theft protection, there’s no one-solution-fits-all option. Stolen identity can happen in many different ways, but at The Hartford, we offer different coverages to keep you protected through them all.
 

Types of Insurance Packages Offered by The Hartford

Identify theft protection is offered in our two coverage packages that you can choose from to add to your homeowners insurance. Our Home Advantage Package is good if you’re looking for a little extra protection, but if you’re looking for even more protection, our Home Advantage Plus Package is probably the one for you.
 
Both packages offer:
Características Advantage Advantage Plus
“New for Old” Protection‡ – We’ll help provide the actual cost to replace your possessions with new ones if they’re destroyed by a covered loss. Sí Sí
Personal Injury Liability Coverage – If there’s a libel or slander claim, we’ll help cover potential damages. Sí Sí
Reimbursement for Replacing Locks – This coverage pays up to $500 with a $100 deductible if you have to replace your locks or if a key is lost or stolen. Sí Sí
Identity Fraud Expense Coverage – This coverage compensates up to $25,000 for out-of-pocket expenses related to identity theft or fraud recovery. Sí Sí
Disappearing Property Deductible‡‡ – Enabling you to get your deductible down to $0 by reducing it by $50 for every three years you go without having an insurance loss at your home or condo. Deductible reduction does not apply to Mine Subsidence and Equipment Breakdown coverage. Sí
Equipment Breakdown Coverage – If your electronics or appliances break down from normal use, this coverage can help cover the cost to fix or replace them. Sí
The Hartford also offers unique coverages to help homeowners with specific needs.
 
Green Rebuilding coverage allows your policy limits to increase by 10% when you use green, environmentally-friendly materials or processes to repair and rebuild after a covered loss.
 
The Water Backup and Sump Pump Overflow** coverage helps protect water backup through sewers, drains, or sump pump failure.
 
Assisted Living Care Coverage extends Liability, Contents and Additional Living Expenses Coverage if you have a relative in an assisted living care facility.
 
Scheduled Personal Property coverage covers 100% of the insured value of selected high value items in your home if they’re damaged or destroyed in a covered loss.
 

Why Identity Theft Insurance Is Important

What Is the Best Identity Theft Insurance If you become a victim of identity theft, it can wreak havoc on your personal life or seriously affect your business. Data breaches happen often, and can cause havoc if your customer’s information is stolen in a data breach.***
 
There are so many negative results that can come with identity theft, and one is credit scores plummeting. In some cases, your business may be forced to close because you suffered a data breach and had to pay out of pocket, causing you to lose customers. It can take several months to recover from an identity theft incident.
 
The Hartford’s Seguro de vivienda can help protect you and your family from identity theft and fraud. We offer additional services to help you safely manage your personal information and provide you with resources if you become a victim of identity theft.
 
Responding to and recovering from identity theft can be costly, but with identity theft insurance, you can get the financial peace of mind you need, knowing that with The Hartford, we have your back when it comes to helping protect your financial security.
 
If you find out you’re a victim of identity theft or fraud, contact our qualified fraud specialists. We may be able to compensate you up to $50,000 of out-of-pocket expenses.
 
Be sure you have the right coverage to keep you protected from fraud. Get an online quote for a homeowners insurance policy today and tailor it to your family’s unique needs. If you have questions, our specialists at The Hartford are here to help. Llámenos al 888-413-8970 and we’ll help you pick the right coverages for your homeowners insurance policy.
 
 
** For an additional cost, you can get property protection for water backup or sump overflow – that is not caused by flood or surface water. El monto de nuestra cobertura básica es de $5,000. También podemos tener otros montos disponibles. Su agente independiente puede proporcionarle información específica de su estado para esta cobertura.
 
*** “Identity Fraud Hits All Time High With 16.7 Million U.S. Victims in 2017, According to New Javelin Strategy & Research Study,” https://www.javelinstrategy.com/press-release/identity-fraud-hits-all-time-high-167-million-us-victims-2017-according-new-javelin
 
‡ Algunos beneficios, como la cobertura para reemplazo de contenido, solo están disponibles con el paquete Home Advantage Plus opcional. También hay disponible una póliza sin estos beneficios adicionales. Esta es una cobertura opcional y puede no estar disponible en todos los estados.
‡‡ Algunos beneficios, como la reducción gradual del deducible de propiedad, solo están disponibles con el paquete Advantage Plus opcional. También hay disponible una póliza sin estos beneficios adicionales. Para ser elegibles para la reducción gradual del deducible de propiedad, los propietarios de viviendas no deben registrar reclamaciones ni pérdidas durante tres años consecutivos en la mayoría de los estados. La opción del paquete Advantage Plus y el beneficio de reducción gradual del deducible de propiedad no están disponibles en todos los estados.
 
Divulgaciones adicionales a continuación.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.

El Programa de Seguros de Automóviles y Vivienda Propia AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MN por​​​​​​​ Sentinel Insurance Company; y el MA, MI y PA por Trumbull Insurance Company. El Programa AARP de Seguros de Vivienda Propia de The Hartford está subscrito por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en CA por Property and Casualty Insurance Company of Hartford; en WA, MI y MN por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y el PA por Hartford Underwriters Insurance Company. No disponible en todos los estados, incluido Florida. Las características específicas, los créditos, y los descuentos pueden variar y pueden no estar disponibles en todos los estados de acuerdo con los documentos y las leyes vigentes de los estados. Los solicitantes son individualmente subscritos y algunos pueden no calificar. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.

1 En Texas, el programa para automóviles está respaldado por Southern County Mutual Insurance Company a través de Hartford Fire General Agency. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros subscritos y expedidos por Southern County Mutual Insurance Company. El Programa para viviendas está respaldado por Trumbull Insurance Company.

* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
Cotización