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Identity theft is the criminal process of gaining another person’s information, personal and/or financial, and using that information to make transactions or purchases posing as that person.
There are many ways in which one can have their identity stolen. It can be as complex as hacking into databases and stealing information, or as simple as digging through garbage looking for old credit card information. Once this information is obtained, an identity thief can tarnish one’s credit rating and the privacy of their personal information.
Forms of Identity Theft
Child, medical, criminal, and financial identity theft are among the different types of identity theft.
Someone uses a child’s information to reap the benefits. The person stealing the identity is often someone close to that child in some capacity. It could be an indirect family member, or a family friend that steals a child’s identity. A person will often do this so that they can more easily obtain employment, bank loans, or avoid arrest on outstanding warrants.
A person identifies themselves as someone else to gain access to free medical care.
Criminal Identity Theft
A person represents themselves as someone else during arrest to try and avoid a summons, prevent a warrant from surfacing, and do other things of this nature to avoid conviction.
This kind of theft is a form of fraud in which a criminal integrates both real and stolen information to forge a new identity. This new identity is often used to create fake accounts and make illegal purchases. It can also be used to steal money from credit card companies that extend credit on account of the fake identity.
Here are some things to keep in mind.
Identity theft is when someone steals your information and poses as you to make purchases or transactions.
There are many different kinds of identity theft, however in all situations, the victim is left to deal with their ruined credit score, finances, livelihood, and reputation.
Protection from identity theft is a quickly expanding industry that helps to keep an eye on credit reports, financial activity and use of your social security number.
Advanced Identity Theft
Using computer technology is becoming increasingly popular among identity thieves. Searching hard drives of stolen or trashed computers, hacking databases, and accessing public records are some common ways that information is stolen.
Protecting Yourself From Identity Theft
There are a variety of ways that identity theft can be prevented. Frequently check personal documents to ensure that they are accurate and make sure to deal with any discrepancies that may exist. Many businesses provide products and services that assist with the effects of identity theft. Usually these products and services provide information on how to better protect your personal information.
Be careful when making purchases online, only check out on secure websites, and change your passwords frequently. Shred any trash that may contain personal information, thieves can even steal information from credit cards that you were pre-approved for.
Protect your social security card. Only give out that information if you absolutely have to, and never carry your social security card with you.
What to do if Your Identity is Stolen
The first thing you should do is contact the IRS. You can report the theft and start a recovery plan here.
Written by Matt Moscati.
Disclaimer: This post is to be used for informational purposes only. Each person should consult their insurance or business advisor with respect to matters referenced.
Have you been wondering about renters insurance? How much does it cost?Is it necessary? What does it cover?
The question regarding the need for renters insurance is common among tenants. Every time you take on insurance, it’s also another financial responsibility. As a tenant, you may be wary of a growing number of monthly or annual expenses.
But renters insurance is definitely something that you need to get as a tenant, advises McGuire Management, a property management company in Denver, CO. Without proper renters insurance, there is no financial coverage for your personal items inside the property.
While your rental’s owner holds a landlords insurance policy, this particular insurance policy won’t be useful to you. It’s just there to cover the losses connected to the actual building itself and some potential add-ons.
Let’s see how renters insurance works and list the top reasons you should obtain a renters policy as a tenant. As a result, you can enjoy peace of mind with fully knowing that your personal belongings are financially protected from any loss or damage.
What Is Renters Insurance? As a tenant, the only way to protect your personal belongings is to obtain renters insurance. A renters insurance plan covers your items from damage like fires or floods.
Some landlords actually set renters insurance as a strict requirement. They add a clause to the lease agreement that states this requirement. Landlords do this to lower the chance of costly disputes. Still want to know more about what renters insurance is this is a great article to help explain it.
What Does Renters Insurance Cover?
Useful Provisions Regular renters insurance plans have some essential provisions. For instance, you’ll receive financial benefits in the event that a burglar has taken your personal items. However, you would need to prove that you had taken adequate security measures in your rental home.
Additionally, there are many renters insurance policies that allow you to book temporary stays due to unexpected circumstances. But for this to work in your favor, you need to check the limits that your insurance company has set.
Personal Property Coverage The protection of your personal belongings is a significant benefit of renters insurance. Most standard policies include financial coverage for stolen, burned, or otherwise damaged personal items. But you do need to keep an eye out for this: regular policies fail to cover damages due to natural disasters like floods and earthquakes. This means that if you live in an area that experiences frequent floods, you need to obtain a supplemental policy.
Always read the terms and conditions of your insurance carefully. Before signing an agreement, make sure that you understand the scope and depth of the coverage provided.
Here are some of the typical instances of protection under a standard renters insurance policy: • Indoor water damage • Theft or vandalism • Fires and explosions • Damage caused by vehicles • Falling objects
Personal Liability Coverage Most standard renters insurance policies also carry liability coverage. When any injuries happen in your rented house or apartment, you’ll receive financial protection from liability. Below are some of the ways you can benefit from liability coverage: • Your neighbor asks to use your bathroom, slips on wet floor, and gets a concussion. • Your dog bites your guest’s leg, resulting in the need for medical intervention. • The yard lighting situation is sub-standard and leads to a guest’s injury.
Many of the situations tied to liability issues are impossible to predict. The best precaution is to have valid renters insurance on hand. For instance, typical policies protect you against liability charges for a minimum of $100,000.
At the same time, it’s possible to increase the liability coverage limits. This does lead to paying a higher premium on your renters insurance. If you feel that you live in a high-risk rental, the additional expense may very well be worth it.
Any unique circumstances may raise renters insurance prices as well. As an example, being the owner of a specific dog breed can raise your monthly insurance expense, and some breeds may be outright denied coverage by your insurer.
How much does Renters Insurance Cost? Renters Insurance is inexpensive. Standard renters insurance policies are generally quite affordable. There are significant differences in the annual expenses between states, but the average renters insurance policy lows are around $130, and the average highs hover around $230.
Obtaining additional riders, extra lines of coverage to your policy, may still make a lot of sense because the premium won’t be that much extra. But the benefits are likely to far outweigh the costs when you consider the associated financial losses. Here are 10 great ways to help keep the cost of renters insurance down.
In a Nutshell: Why You Need Renters Insurance Renters insurance is an essential policy for all tenants. The personal belongings in your rental home will receive necessary financial protection. Additionally, you can live stress-free knowing that you are covered for injuries or other incidents at your rental, thanks to the personal liability coverage in your policy.
Have questions about renters insurance or your current renters insurance policy? A knowledgeable agent is always a phone call away at Aspen. 303-777-2991.
Disclaimer: This post is to be used for informational purposes only. Each person should consult their insurance or business advisor with respect to matters referenced.
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Servicing these States
Aspen Insurance Agency has served the Denver community for over 25 years and has since expanded to help clients in the following states:
