Unfortunately, it is a growing sign of the times. Seems like every few weeks we are hearing another story about an instance of ID theft. Recently we’ve heard about the major issues with Target and their major security breech. I’m sure you’ve had friends of family who have fallen victim to ID theft. I’ve heard a lot of people talk about why they don’t buy it or want it, but in today’s cyber world, you really can’t afford not to get ID Theft protection.ue. ID theft protection is really more like insurance. Does having car insurance or health insurance guarantee you from having an accident or getting ill? Nope. What it does, is cover the expenses associated with the incident. ID theft protection works much the same way. If your ID is stolen, your ID theft protection will kick and they will clean up the mess.

Another reason I’ve heard a lot of people say they don’t want or need ID theft protection is because if you’re id is stolen, you are not responsible for the money. Again, true. You are at most going to be responsible for about $50 of any fraudulent charges. What you are responsible for though, is getting the mess cleaned up. Without ID theft protection, you will need to call and get a police report and then call all of the creditors that are claiming you owe them money and get them to drop the charges and clear your record. That is the part that can get pricy. It can take anywhere from 60 to, in some cases, 600 hours to get all of this cleaned up. If you have 60 hours to spare I guess you are fine to go without it. If you have ID theft protection though and your ID is stolen, you just need to contact whoever you have the protection through and let them know and they will take over and spend the 60-600 hours getting the mess cleaned up.

When you buy ID theft protections, there are a couple things you need to be careful to watch form. Make sure they company will do a full restoration job on your credit, that they’ll check for and work on all types of ID theft (credit cards, hospital ills, housing, IRS, everything), and that they do more than just monitor your credit report (you can always do that your self at www.annualcreditreport.com). The best ID theft protection I have come across, and the one I use and highly recommend, is through Zander Insurance. For $6.75 per month they will cover all forms of ID theft and they will do all the hours of work to get your credit fully restored.

I can not say it enough – you need ID theft protection. There is nothing you can do to guarantee that your ID will never be stolen, but by having ID theft protection in place, you can save yourself a ton of headaches and time in the event that your ID does get stolen. It takes about 5 minutes to get signed up for ID theft protection with Zander Insurance. In today’s world, you simply need to add ID theft protection (insurance) to your monthly budget along with Health insurance auto insurance, and homeowners/renters insurance. Don’t wait any longer, get set up with ID theft protection today.