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FAQ: What is
Farmers
Identity Shield?
Farmers
Identity
Shield is
a coverage bundle that can be added to many Farmers
Homeowners policy
types. These
include Next Generation®,
Protector Plus, Special Form, and
Renter/Condo
policies.
The Farmers Identity Shield provides
coverage
for losses due to identity theft as well as proactive identity
management
services.
Who
is covered?
Everyone in
the insured household is covered, including dependent students
away at school. (For Next Generation
homeowners policies, students must
be under
24 years
old.)
How
do I report identity theft claims?
- Customers
should call Farmers HelpPoint®
either on at 1-800-FARMERS (800-435-7764—en
Español: 877-732-5266; hearing impaired: 888-891-1660)
 HelpPoint will
confirm the Identity Shield endorsement is on
the policy and complete the report of loss.
Once the
loss is reported, the
customer will get a quick contact through our claims team and Identity
Theft
911®. Identity Theft 911 personal advocates
are available to
assist
victims 24
hours-a-day,
- Agents should refer customers who
have identity theft concerns to HelpPoint
to
have their claim handled by identity theft professionals.
What
services are included?
- Identity restoration
— Up to
$30,000
in coverage
($28,500
expenses plus $1500 indemnity).
- Credit and public records
monitoring — Annual identity
report of the customer’s credit file (1 bureau) and
public records.
- Personal advocate — To
assist victims in
their
identity recovery.
- Document replacement
(driver’s licenses, birth certificates, titles, etc.);
- Travel assistance and
replacement of lost travel documents (passports, airline
tickets, etc.).
- Loss prevention and education —
Website, newsletters,
and alerts via e-mail.
Why
is Farmers offering Identity Shield?
To
help our customers be proactive in
protecting their identities. Identity
theft is the
fastest growing crime in the U.S.
and has been listed as the number 1 consumer complaint for 7
consecutive
years by
the Federal Trade Commission.
What
is identity theft?
Any
unauthorized use of your identity, personal information, or financial
information qualifies as identity theft. You are at risk of becoming a
victim
of identity theft if your wallet has been lost or stolen, or if your
home or
car has been burglarized. If you notice unusual
charges
on your statements or receive unexpected bills, you may be a victim of
identity
theft.
Will
my premium increase in the event of an identity-theft-related claim?
No. Your premium
will not be
increased as a
result of an identity theft claim. The
policy is not affected in any way. As a result, your
"number of
years claims free" with Farmers also will not be affected. Since
policies are not affected by udentity-theft-related claims, we strongly
recommend that customers report all claims or
suspected claims related to identity theft, no matter how small they
may be.
What
are the Continuous Credit and Public Records Monitoring Services?
Continuous
credit
and public records monitoring is available for two named insureds. These services include
the following:
- We
provide an annual identity report
with
details of your credit file and public records (refer to the
endorsement).
- We
send you alerts when an
inquiry or change is made to your credit files.
- We
will monitor up to a 1000
public record databases and notify you of any changes.
How
do I register for Continuous Credit and Public Records Monitoring?
If you provide Farmers with an
e-mail address, Identity Theft
911
will e-mail a link to a secure website and a personal registration
code. If you do not have an
e-mail
address, call us at 909-790-4384 to receive
a welcome
package in the mail that includes
offline
instructions on how to register.
How do I sign up?
Call
us at 909-790-4384
or send and email to me at george@sigalasinsurance.com. We can add Identity Shield in minutes.
Should I wait until my renewal
date?
There’s no need to wait for your
renewal date. Farmers will
bill you for the pro-rata premium due.
But
I have other questions!
Call
us at 909-790-4384,
or email me at george@sigalasinsurance.com.
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