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Arizona Is The Identity Theft Capital Of The United States

February 18, 2010

Golf and sun might attract people to Arizona, but the state is also becoming a hot spot for identity-theft.  For the second year in a row, Arizona topped the Federal Trade Commission’s list of states with the most identity-theft complaints.

It’s more based on demographics, than geography.

Arizona official’s attribute their perch at the top to a couple of key demographic trends: a large elderly population that isn’t always aware of the latest identity-theft tactics, and high methamphetamine use.  Of course, those two key demographic points aren’t necessarily related to each other.  I’m not saying that Arizona has a large demographic of elderly meth-addicts that aren’t up to date on identity theft trends.  I promise, I’m not saying that.

Soooo…

One insurance remedy to this serious problem is Identity Shield Coverage added to your homeowners insurance policy.  This is a comprehensive solution to manage your identity. This coverage will monitor, insure and restore your identity.

What does it provide?

Loss Coverage

  • Coverage up to $28,500 in expenses and $1,500 indemnity.

Credit Monitoring

  • Continuous monitoring of credit files, as well as, publicly accessible records for fraudulent activity for two people.
  • Annual identity report with details of the customer’s credit file and public records.
  • Victims of identity theft, or those who suspect they may be victims, receive:
    • Identity resolution services for the entire household
    • Access to an advocate who will guide the victim through the identity recovery process 24 hours a day, seven days a week
    • Preparation of correspondence necessary to notify all relevant parties of the fraud (credit bureaus, financial institutions, etc.)
    • Assistance in placing fraud alerts and security freezes with credit bureaus

Identity theft is a growing concern throughout the United States, and it’s a threat from which no one is immune.  It has become so prevalent that most people, if not victims themselves, know someone who has been a victim.  The crime can be devastating, and is often costly and time-consuming to resolve.

You can add this coverage for around $65.00 per year.  A small price to pay for piece of mind.

If you have any questions, or would like to discuss this further, please feel free to contact me.

Filed Under: The Business of Mortgages Tagged With: Identity Theft

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