Identity Restoration Insurance From State Farm®

The Bureau of Justice Statistics reports that, in 2014, 17.5 million Americans were victims of identity theft, forcing them to spend a great deal of time and money repairing the damage done to their credit and finances.

While we can't protect you from identity theft, our identity restoration insurance can make the recovery process easier, faster, and less expensive.

This protection – costing just $25 per year – can be added to your State Farm home, apartment, condominium, manufactured home, or farm policy, and covers you, your spouse, and relatives / dependents (under 21 years old) living in your household.

Find an Agent

Case Management

Many insurers offer coverage that'll reimburse the money you spend attempting to recover your credit, but State Farm identity restoration insurance goes further.

If you're a victim of identity fraud while carrying State Farm identity restoration insurance, in addition to expense reimbursement, we'll assign a case manager who'll work directly with your credit card companies, credit bureaus, creditors, and other financial institutions for up to one full year for a covered incident.

Having a case manager working on your behalf can really streamline the process, but if you'd rather do the work yourself, your case manager can provide an identity recovery guide. This guide shows what to do after identity fraud, and includes examples of letters to send to creditors and credit bureaus, as well as other useful information to aid with the identity restoration process.

Expense Reimbursement

In addition to assigning a case manager for up to a year, we'll reimburse you up to $25,000 for necessary and reasonable expenses incurred to restore your identity. Here are some of the reimbursable costs covered by State Farm identity restoration and fraud loss coverage:

  • Refiling applications for loans or other credit instruments
  • Credit reports from established credit bureaus
  • Notarizing affidavits, postage, and long-distance phone calls
  • Fees charged by an approved attorney to:
    • Defend against civil suits brought against a covered individual
    • Remove civil judgments wrongfully entered against a covered individual
    • Assist at audits or hearings conducted by governmental agencies
    • Challenge the accuracy of a covered individual's credit report
    • Defend against criminal charges arising from third parties using the personal identity of an insured person
  • Costs incurred by an insured person to recover control of his or her personal identity
  • Fees from financial institutions resulting from the identity fraud

Learn More About Identity Restoration Insurance

Identity restoration insurance won't keep you from being a victim of identity theft, but it can help make restoring your financial state less painful, and costly.

Speak with a State Farm agent about Identity Restoration Insurance


Identity restoration and fraud loss coverage may not be available in all states. This information contains only a general description of available coverages and is not a statement of contract. Exclusions and limitations may apply. All coverages are subject to all policy provisions and applicable endorsements. For further information, see your State Farm agent.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.