In order to provide protection against expenses incurred as a result of the growing  hazard of identity fraud, a number of our companies have introduced a unique endorsement which can be added to a homeowners policy.  Identity Fraud Expense coverage. 

Coverage Features: The Identity Fraud Expense Coverage endorsement provides coverage for these expenses that individuals can  incur - at their own  expense - in their efforts to restore their financial health and credit history after an identity fraud:

• Lost wages as a result of the time taken off from work to deal with the  fraud (coverage up to $500 per week for four weeks)
• Notary and certified mailing costs for completing and delivering fraud affidavits.
• Loan re-application fees for re-applying for loans which were declined due to erroneous credit information that had reflected the fraud,
• Phone charges for calling merchants, financial institutions, and law enforcement agencies to discuss an actual fraud, and
• Attorney fees incurred with our prior consent, for defending suits  brought incorrectly by merchants and their collection agencies, removing criminal or civil judgments wrongly entered against the victim, and challenging information in a credit  report.

Other Coverage highlights:

• Worldwide coverage.
• Protection applies to the insured and relatives living in the insured's household.
• Coverage applies to identity fraud resulting from internet usage by any insured.
• $15,000 limit per loss with no aggregate limit.
• $100 per loss deductible.

Note: Loss or expense not described in the endorsement is not covered.

This document contains policy highlights only.  The actual policy  provisions, definitions and exclusions apply in all cases.