Identity Theft Prevention Coverage

ID Theft Protection Coverage and Cost 

Security First Insurance's identity theft protection program includes monitoring services and costs $25 per year. 

Among other benefits, identity fraud monitoring provides our customers with early warning notification* to keep their identity under control. Talk with your insurance agent about identify theft monitoring & adding coverage to your policy. 


ID Theft Coverage Details 

ID Theft Monitoring and Early Warning System* 

The ID Early Warning System monitors billions of public and private data records to proactively detect changes to your identity profile allowing PrivacyMaxx to notify you immediately and prevent further damage. 

Internet Identity Monitoring* 

PrivacyMaxx’s proprietary 24/7 automated search robots look for your personal information by searching through millions of sites on the Internet, including chat rooms, social media networks and bulletin boards. 

Criminal Identity Theft Monitoring* 

Upon activation, national criminal and law enforcement databases are monitored quarterly to look for criminals who are using your personal information and could commit crimes in your name. 

Lost Wallet Service* 

If your wallet or purse is lost or stolen, PrivacyMaxx will help identify the lost cards / documents and help have them cancelled and replaced as quickly as possible. 

Postal Junk Mail Reduction Service* 

This service removes your name from some postal junk mail lists and information databases 

Dedicated Restoration Service 

If the unfortunate occurs, PrivacyMaxx’s recovery experts will guide you through the process of restoring your identity. 

Identity Fraud Expense: $25,000 

* For full benefits after adding identity theft protection to your policy, please register at PrivacyMaxx

Identity Theft FAQs

Please call (800) 676-5696 to file an ID Theft claim. The dedicated Identity Theft Recovery team will assist you with restoring your identity. ID theft claims are handled by our protection partner, PrivacyMaxx. For claims involving damage to your home or physical property, please visit our Claims Center

Speak with your agent directly to add identity theft protection to your homeowners insurance. Security First Insurance's identity theft protection can be added at the time a new policy is purchased. For existing customers, coverage can be added when the policy renews and up to 30 days after. 

Identity theft protection coverage can be added to any Security First policy for homeowners, renters, or condo insurance in Florida. By bundling with a current (or new) policy, homeowners can save significantly on identity theft protection that includes fraud monitoring. 

The following people are covered: the policyholder, spouse, domestic partner, children living at home, up to age 21 or full time student up to age 26, and grandparents living at home. You can add family members  to your identity theft monitoring coverage online. 

Founded in 2005, PrivacyMaxx is the leading technology solutions provider dedicated to identity theft monitoring and protection. PrivacyMaxx combines expertise in data center and Internet technology with early warning notification, restoration, and security analysis to provide customers with proactive 24/7 identity protection services. Security First Insurance has partnered with PrivacyMaxx to offer policyholders comprehensive identity theft protection that includes monitoring for $25/year. 

There is a $25,000.00 coverage limit, and there is no deductible. 

The coverage limit is per person, per separate identity theft incident. 

The annual cost for identity theft protection is $25 a year when added to your Security First policy for condo, renters, or homeowners insurance in Florida. 

PrivacyMaxx provides identity theft monitoring solutions and resolution services to help guide victims along the path to clearing their name and credit history. For full identity monitoring benefits, policyholders must register online after speaking with his/her agent to add identity theft protection. 

Filing ID Theft Claim

If you suspect any fraudulent activity, even if you aren't certain you are a victim of identity theft, call (800) 676-5696 immediately. 

If you become a victim of identity theft, your claim will be handled by PrivacyMaxx. You will be assigned a dedicated identity recovery and restoration specialist who can minimize the time and hassle involved with recovery by providing support and notifying credit bureaus, creditors, financial institutions, and law enforcement officers. Specialists will also create and maintain a case file documenting fraudulent activity for you.  

Early detection is critical. Our identity theft protection includes identity monitoring services which enables us to provide you with early warning notification of unusual, suspicious activity.


You can add identity theft protection and monitoring to any policy at renewal. New homeowners or renters policies are also eligible. To receive the full benefits of identity theft monitoring services and to add family members, you must register online at PrivacyMaxx

ID Theft Protection Tips

Prevention is the best cure for identity theft, and it never hurts to be too careful. Protect yourself and help prevent identity theft with these helpful tips. 

Protect Your Credit Card Information

  • Look out for skimmers. These nearly undetectable card readers steal debit and credit card information and are sometimes placed over credit card devices at ATMs and gas pumps. To check for a skimmer, try to shake the credit card device. If there is any movement, do not insert your card.
  • Watch your credit card expiration dates. If you do not receive a replacement card, contact your financial institution. If they issued a replacement card, contact PrivacyMaxx immediately.
  • Reduce your risk of identity theft by getting cash back in stores while making a purchase rather than using an ATM to withdraw cash. When fueling up your car, go inside to pay rather than using your credit card at the pump.
  • Never let your credit or debit card out of your sight. Unfortunately, there are cases of identity theft where unscrupulous cashiers steal credit card information from behind the counter.
  • Keep an eye out for “shoulder surfing.” Strangers behind you could be looking to gain access to your PIN. Be aware of your surroundings.
  • Use a single card for holiday shopping to easily monitor your purchases and identify any abnormal activity or transactions.
  • Don’t throw away any credit card receipts without destroying them first. 


Protect Your Personal Information

  • Check your account balance and transactions frequently.
  • Shred and destroy documents with personal information prior to throwing them away.
  • Take notice of when your monthly financial statements are mailed. Notify us and your financial institution if you do not receive a statement.
  • Check your mailbox daily and bring in your mail.
  • Call the post office when you go out of town to temporarily halt mail delivery.
  • Don’t respond to emails, texts, or phone calls with personal information. Ask the sender/caller to send you information by mail. 
  • Regularly change your usernames and passwords. Learn more about online phishing scams and password security.
Identity Theft Protection Coverage 

Although these tips will better protect YOU, obtaining comprehensive identity theft protection will protect your family, minimize damage, and ease recovery. 

Learn about Security First's Identity Theft Protection Services. We've partnered with PrivacyMaxx to provide identity monitoring service to our homeowners, condo owners, and renters insurance policyholders. 

Early detection is critical. If you suspect any fraudulent activity, even if you aren't certain you are a victim of identity theft, call (800) 676-5696 immediately. 

Tips to Avoid Online Identity Theft 

Although "dumpster diving" is still a big problem, thousands of identity theft cases originate online. Malware scanning helps, yet sometimes it is the information you post online that makes fraud easier for an identity thief and puts you at risk. 

Internet Security and Safety

  • Press the log out button when you’re finished with accounts on websites like Facebook or Twitter. Even if you've closed the window, certain websites may keep you logged in. The "log out" or "sign out" link is sometimes hard to find, but it's usually in the top right (or upper left) and always worth the effort. Many websites indirectly "talk" to each other and almost all websites conduct some form of tracking.
  • Do you have a cellphone or tablet? Take advantage of your phone’s lock and privacy settings right now. If you lose your phone, the lock feature will provides an initial level of protection for your personal information.
  • Don’t publish personal information in social media. There's often something in your profile that would easily answer your security questions on banking and other websites. According to a study by Javelin Strategy and Research, 68% of people with public social media profiles shared their birthday information--and 45% shared the year, too. They also found that 63% shared their high school name and 12% shared their pet’s name. Multiple studies over the years have shown that many victims of ID theft knew the identity thief!
  • Consider using a “false” answer that you would know. For example, you might use "orange" as your first pet's name, even if it was really "Fido."

Phishing & Email Scams 

  • One of the sneakiest tricks used by identity thieves, especially for credit fraud, is called phishing. Phishing scams are used by cyber criminals to trick the user into entering their personal information (or, more likely, the username and password for a website with personal info) into a fake webpage designed to look like the real one, which is known as spoofing.
  • Do not click links in an email unless you are absolutely certain the source can be trusted. Remember, these emails can be very tricky to distinguish from the real thing. A red flag would be if the message contained urgent language suggesting you take immediate action. If the email contains threats to close your account, or if it contains multiple grammatical and spelling errors, there's a very good chance that the source is illicit. Remember, emails alerting you to "act now" on a security risk are sometimes the emails containing security risks. If you're concerned about the content of the message, it's better to contact the referenced company directly or visit the website by typing in the trusted ".com" URL yourself.
  • One way to check for phishing is to hover your mouse cursor without clicking on the link to see if the address matches the link that was typed in the message: 

    This isn't a foolproof method, and a partial mismatch doesn't mean the email is a scam; however, you'll have more information to use your best judgment. When in doubt, don't click on unknown links and never reply to emails from anyone you don't know. 

Password Security 

Although major websites are beginning to require stronger passwords, meeting the minimum security requirements is exactly that: minimum requirements. There’s no substitute for a quality password. Remember: your idea of “hard to guess” might be quite easy for a hacker using sophisticated software to figure out. Here are tips to make your passwords more secure: 

  • Password should never be only 6 characters in length. Each additional character greatly enhances password security.
  • Passwords should not contain only lowercase letters. Simply dangerous. Even adding one uppercase letter makes a difference.
  • Add symbols. Very effective when done right, symbols such as #,!,$,%,& provide significant security. Whereas “spooky” is instantly cracked, an adjustment like "Thats$p00ky!" could take years to break. Notice there’s an uppercase letter, two numbers, and two symbols added (thatsspooky is not even close to the same security level).
  • Add numbers, but not just to the beginning or end of the password. Software that's designed to guess passwords are developed to predict what most people do.
  • Using an actual word is not secure. At 4 billion calculations per second, how long do you think a dictionary word, such as spooky,  would take a hacker's computer to discover?
  • Hackers know common passwords. Following the above tips isn’t enough if your “trick” is common. QWERTY, and its lowercase counterpart qwerty, is one of the most used passwords. So is 1234567. They might not be in the dictionary, but they're not original.
  • Use a different password for different websites. No matter how good your password is, using it on another site is a security risk.
  • Change passwords regularly. Even the best password needs to be changed. This is one of the top five tips to protect yourself from identity theft in this identity theft protection video

To protect Florida families and their homes, Security First Insurance offers identity theft protection and monitoring as an affordable addition to  Florida homeowners insurance  policies. Identity protection and credit fraud coverage can also be added to Florida condo insurance as well as Florida renters insurance policies. More than just coverage, our identity theft protection program offers monitoring services for you and your family.

Hiring a Contractor 

Before and after you hire a contractor there are important steps you should take and questions to ask that will help to ensure your home is restored successfully by a licensed, qualified contractor. For more information about hiring a contractor, please download our free guide. If you're experiencing water damage, please click here for important information