The short answer
Identity theft coverage is an optional endorsement on most US HO policies. It reimburses recovery expenses — lost wages, legal fees, notary, credit-freeze costs — up to $15k–$50k. It does NOT reimburse stolen funds; that's your bank's responsibility under Reg E.
Frequently asked
- Does it cover the money the thief stole?
- No — banks handle unauthorized transaction reimbursement.
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