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How much insurance coverage do you need?

Identity theft insurance typically covers you against the costs incurred while recovering your identity. Most insurance will cover the cost of replacing important documents, any legal fees you might incur, case manager fees, any alert fees on your credit reports and even lost wages.  However, most insurance plans will not cover stolen money or financial loss from fraudulent purchases. You'll need to go to your credit card issuer or bank for that. Check the terms of your plan to see what it does and doesn't cover. The industry standard is to have coverage of up to $1 million. Some services, lik

Best Identity Theft Protection Services We've Tested in 2026