Protection for More Than Just Your Possessions

Identity theft is nothing to take lightly, and when it strikes, we know how detrimental it can be for individuals and their families. Our protection extends beyond possessions to include your safety and well-being. Our Identity Recovery Coverage protects insureds in a number of ways, all of which are featured below.


Identity Recovery Coverage
Identity theft hits us in a number of ways and involves the fraudulent use of one’s Social Security number or another method of ID. When the wrong person gets ahold of your account, they could establish credit accounts, secure loans, enter into contracts, or even commit crimes—all in your name. If there has been an identification theft involving your personal identity, Identity Recovery will provide a case manager to help you recover control over your personal identity. This may include contacting authorities, credit bureaus, creditors, and businesses to get to the bottom of your loss. Case management services are not subject to a deductible.

Costs Coverage
Identity Recovery will provide reimbursement of costs incurred as a result of the theft, including the following costs:

  • Re-filing applications for loans, grants, or credit accounts.
  • Long distance telephone calls, postage, and notarizing documents.
  • Credit reports from established credit bureaus.
  • The defense of any civil suit brought against you.
  • The removal of any civil judgement entered wrongly against you.
  • Legal assistance for you at an audit or hearing by a governmental agency.
  • Legal assistance in challenging accuracy of your consumer credit report.
  • The defense of any criminal charges brought against you using your identity.

Lost wages you incur for spending time away from work during your recovery will also be covered by this endorsement. Time away from work includes full or partial days and payment for vacation days, discretionary days, floating days, and paid personal days.

Help Line
If you have questions or need help, please call the ID Recovery Help Line at 1-800-945-9313.  This line is available to provide you with the following: information about ID theft, help to request Case Management Services, help to make a claim for Costs Coverage.

Home Identity Recovery
Home Identity Recovery

Request your free quote, today, and learn why a BMI Home policy is right for you.

The fine print

The information on this page is designed to provide a small glimpse into the coverage BMI offers. Please note that amendments and exclusions may apply as well as limitations per policy forms. All policies are subject to our company’s underwriting guidelines. Please contact your local BMI agent to see which of our many programs best meets your insurance needs.