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Is identity theft insurance worth it?

For most homeowners and renters, yes. The cost is small (typically $25 to $60 per year when added to a homeowners or renters policy, more as a standalone) and the recovery process for a serious identity theft can take 100 hours or more of paperwork, calls, and legal work. The insurance does not stop the theft, but it pays for the recovery and gives you a case manager. If your household has multiple credit cards, online accounts, and connected services, the coverage is worth carrying.

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