ServiCoverWhat Identity Theft Insurance Typically Covers
- Stolen funds reimbursement
- Legal fees if you need an attorney to resolve fraudulent accounts or charges
- Lost wages from time spent resolving identity theft issues
- Expert help navigating the restoration process
Coverage Limits by Provider
| Provider | Insurance Limit |
|---|---|
| Aura (all plans) | $1 million per adult |
| LifeLock Core | Up to $1.05 million |
| LifeLock Advantage | $100K-$1 million |
| LifeLock Ultimate Plus | Up to $3 million |
Does Higher Coverage Actually Matter?
For most identity theft cases, actual financial losses and restoration costs fall well below $1 million — meaning the difference between $1 million and $3 million coverage rarely matters in practice for a typical case. Higher limits provide genuine peace of mind for worst-case scenarios, but shouldn't be the sole deciding factor over other features like monitoring speed and breadth.
What's Typically Excluded
Most policies exclude losses already covered by another source (like a bank's own fraud protection reimbursing a stolen card charge) and generally don't cover identity theft resulting from the policyholder's own negligence, such as knowingly sharing account credentials. Reading the specific policy exclusions matters as much as the headline coverage limit.
Frequently Asked Questions
Varies by provider — some, like LifeLock on certain plans, specify no limit on the number of claims, while others may have per-incident restrictions. Confirm the specific claims policy with your chosen provider.
Generally no — coverage typically applies only to incidents that occur after your policy is active, which is exactly why signing up before you become a victim matters more than after the fact.