03/17/2026
Many people are paying $20–$40 per month for identity theft protection… without realizing their homeowners insurance may already include some coverage.
Many policies include Identity Theft Expense Coverage, which can help reimburse:
• Legal fees
• Lost wages
• Notarization costs
• Other expenses to restore your identity
But here’s the catch…
It does not monitor your credit or prevent identity theft.
So what actually helps?
After years in the industry, here are 5 things I recommend to almost every homeowner (all free):
1. Freeze your credit with Equifax, Experian, and TransUnion
2. Set up an Identity Protection PIN with the IRS
3. Freeze ChexSystems (used by banks)
4. Freeze the National Consumer Telecom & Utilities Exchange
5. Turn on alerts for all bank and credit card accounts
One more thing most people miss:
Wire fraud during real estate transactions.
Always call the title company directly to verify wiring instructions before sending money.
Most of the best protections cost nothing and take just a few minutes.
Check your homeowners policy. You may already have more protection than you think.
A good insurance advisor doesn’t just help you recover from problems. They help you avoid them in the first place.
