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This was the reality for Jessica, who was a victim of identity theft when her wallet (and her identity) was stolen from her at a San Francisco bar in 2018.

But identity theft extends beyond our physical possessions. our increasing reliance on digital transactions amplifies the threat in the online world. For example, the Federal Trade Commission (FTC) recorded nearly 700,000 reports of credit card fraud alone.

Fortunately, affordable identity theft protection services offer a convenient way to monitor online activity conducted in your name. Below, we present a selection of the 10 most trusted identity theft protection services to help you protect your finances and assets from imposters.

Our Top 10 Best ID Theft Protection Services & Companies in 2023:

• Aura: Best Overall Identity Theft Protection Company
• LifeLock: Best for Norton Antivirus Users
• Identity Guard: Best for full spectrum protection
• Zander Identity Theft. Best for People Looking to Recover Their Identity
• Norton. Best for anyone who has or wants Norton antivirus
• myFICO: the best for the protection of the whole family
• IdentityIQ: Best for Fraud Protection
• IDShield : Best for Identity Assistance and Restoration
• robodeidentidad.com: the best for those looking to protect their credit
• MyCleanID : Best for Identity Theft and PC Maintenance

The table below provides a quick comparison of the best identity theft protection services on the market today. You can compare the cost of each service, see user ratings and reviews, and check out the key features of each service to help you decide which one is right for your needs.

In-Depth Reviews of Our Top ID Theft Protection Picks

Aura

• 60-day money back guarantee
• A complete suite of ID theft, financial fraud, and device protection tools
• $9/month or $108/year
  Aura provides robust protection against identity theft, including online account controls, financial transaction monitoring and a secure digital “vault” to store sensitive personal data.

The suite also has a password manager that makes it easy to create and store multiple strong passwords. What’s more, Aura’s VPN uses high-end encryption to protect your online activity, especially on public Wi-Fi networks. In addition, they offer AI-powered antivirus and safe browsing tools that serve as a digital fortress against unwanted websites and fraudulent websites.

Aura monitors all three credit bureaus, Experian, Equifax, and TransUnion, as the Consumer Financial Protection Bureau (CFPB) recommends identifying identity theft. The CFPB also advises to be alert for credit check requests from unknown companies and suspicious accounts that Aura can monitor for you.

Why did we choose Aura? In the event of a data breach, Aura intervenes immediately with security alerts, comprehensive fraud resolution services and up to $1 million in premium identity theft insurance per person. The platform’s sleek, user-friendly interface also features a “Protection Summary” that conveniently displays active identity theft measures on a central dashboard.

Our experience. we were impressed with Aura’s 24/7 customer service. We appreciated that the US-based anti-fraud team was always available to personally assist us with fraudulent incidents. Should a breach occur, the team will work directly with us to develop a recovery plan and resolve the issue.

Pros:

• A complete set of tools to protect your identity and finances
• 60-day money back guarantee for annual plan
• 24/7 US based customer service
  Cons
• Fixed plans, no mixing and matching

LifeLock

• 60-day money back guarantee
• Norton antivirus users
• $9.99 per month

LifeLock, a heavyweight Norton antivirus product, has the technology, accessibility, and ease you’d expect from the industry-leading company. Most impressive are the plans themselves, which not only combine online security and identity theft protection, but also offer more flexibility than usual.

Lifelock plans include ID and Social Security number alerts and are offered in conjunction with Norton’s 360 suite. This means that the bundled plans give you VPN services plus robust identity theft features, such as stolen funds refunds ranging from $25,000 to $1 million, bank account and credit card activity alerts, and even credit card account alerts. 401(k) investment in the Ultimate Plus plan.

LifeLock also offers LifeLock Junior, an affordable add-on for children under 18 that includes:

Dark Web monitoring and searches on file sharing networks. All plans include 24/7 live member support and help from US-based identity restoration specialists.

• Refund of up to $1 million
• Antivirus and protection against cyber threats
• 60-day money back guarantee
  Cons:
• It’s only worth it if you want Norton 360
• Price can be confusing

Identity Guard

• Free trials. Forks
• Full spectrum protection
• $7.20/month or $79.99/year per month

Identity Guard has protected more than 45 million identities and resolved more than 140,000 cases to date. They partner with IBM Watson’s AI technology, using its advanced data analytics and predictive capabilities to enhance threat detection.

The service protects your online identity by monitoring the dark web (a notorious hub for cybercriminal activity) and alerting you if criminals are selling your personal information. Identity Guard also constantly monitors your personal and financial information, with their US-based support team always ready to resolve any issues that arise.

Why we chose Identity Guard? With 20 years of industry experience, Identity Guard stands out in providing effective identity theft protection and monitoring services powered by AI. These services immediately alert you to a wide range of potential threats. They also offer up to $1 million in insurance coverage per adult to cover legal fees and replace lost funds.

Our experience: we’ve found that even the most budget-friendly Identity Guard plan provides the highest level of protection against ID fraud. We were particularly impressed by the inclusion of dark web monitoring in this entry-level subscription package.

• Monitors credit score with all 3 credit bureaus
• Uses IBM’s Watson AI technology for optimal performance
• $2,000 emergency cash fund
  Cons
• No 24/7 customer service
• 3-Credit reports with Premier plans only

Zander Identity Theft

• No
• People seeking to recover their identity
• $6.75/month

Zander Insurance’s anti-identity theft service diligently scans the dark web to prevent criminals from selling personal information like your Social Security number and driver’s license number. The company offers plans for both individuals and families. It should be noted that their family plans cover two adults and up to 10 children at no additional cost.

Their top-tier package, Elite Cyber Bundle, includes online security features like VPN and antivirus protection. This service also protects against all forms of identity theft, including financial fraud, medical fraud, and child identity theft. Additionally, he is endorsed by radio host and financial guru Dave Ramsey.

The unique appeal of Zander Insurance is its focus on premium recovery service. They provide a dedicated US-based recovery team and up to $1 million per person in insurance coverage. However, to keep prices low, they do not offer credit monitoring or financial transactions, which they believe people can manage independently through banks and credit agencies.

Why we chose Zander Insurance? Their emphasis on top-notch identity recovery services, such as full-service recovery, makes them a great choice for those at high risk of identity theft. This includes previous victims of identity theft, people who frequently transact online, and people active on multiple social media accounts.

Our Experience: We were impressed with Zander Insurance’s commitment to personalized identity recovery and premium identity theft insurance, particularly given their long-standing reputation as trusted insurance providers. We also appreciate that Zander provides access to a trained team of specialists ready to address any identity breach promptly.

Pros:

• Unlimited family plan
• One of the most affordable options.
• Comprehensive recovery services, including lost wage coverage.
  Cons:
• No credit monitoring
• No free trial period

Norton

• 60-day money back guarantee
• Anyone who has or wants Norton Antivirus
• $9.99/month

LifeLock operates under Norton, a well-recognized leader in online security. Although the use of other Norton products is not a prerequisite, their products are seamlessly integrated if they are used. This service quickly detects potential threats and alerts you via calls, text or email. Furthermore, it ensures that a dedicated ID recovery specialist is always available to help resolve the issue.

LifeLock offers three subscription plans with varying degrees of protection. The standard plan provides $1,050,000 in coverage, identity alerts, dark web monitoring, and single bureau credit monitoring. In contrast, premium plans offer up to $3 million in insurance, crime alerts in your name, and protection against phone bill capture.

While LifeLock only includes three-bureau credit monitoring in its highest-level annual package, daily updates are available for single-bureau monitoring. Furthermore, this product is an ideal add-on for existing Norton users, as some online security features, such as VPNs, are bundled with Norton’s antivirus products, not LifeLock.

Why did we choose LifeLock? At the core of Norton, LifeLock offers strong protection against identity theft. Its design is user-friendly and easily navigable. Notably, even the most basic membership level includes 24/7 live member support, ensuring consistent, reliable help when needed.

Our experience: we were impressed with LifeLock’s comprehensive insurance options, always available customer support, and cost-effective pricing structures. However, we found room for improvement. credit monitoring from the three bureaus should be standard across all their subscription plans for comprehensive credit monitoring.

Pros

• Includes Norton Antivirus
• Offers 3-bureau credit monitoring
• User friendly mobile application

• No family plan
• Expensive compared to other services

myFICO,

• No
• Protection for the whole family
• $19.95per month

myFICO, the consumer division of FICO, the company behind FICO credit scoring, offers a robust identity theft defense plan with comprehensive credit report monitoring, especially aimed at those looking to improve their credit.

The platform delivers significant value through extensive monitoring across three offices and 24/7 identity restoration services. It also includes $1 million in identity theft insurance. However, while the advanced tier offers quarterly updates, the main subscription provides monthly updates. Receive alerts about any inquiries made to your credit reports, which could indicate fraudulent use of your personal information. Unfortunately, myFICO does not offer a free trial or family plans. Although you can cancel at any time, they do not offer refunds.

Why we chose myFICO: myFICO sets itself apart from the competition by prioritizing comprehensive credit monitoring across all three bureaus, regardless of the subscription plan selected. Their credit inquiry alert system also serves as a unique potential fraud warning feature.

Our experience: We were impressed with myFICO’s dual focus on credit monitoring and identity theft protection, making it an invaluable resource for people looking to improve their credit scores while ensuring online security. . We especially liked the FICO score simulator, which allows users to visualize how different financial decisions could affect their credit score.

Pros

• Monthly and quarterly reports.
• Receive alerts by SMS, email or mobile app
• 24/7 customer support
  Cons
• The basic plan only includes coverage for 1 office
• Minor limitations on some credit report data

IdentityIQ

• None:
• Best for customizable identity theft protection
• From $6.99/month

IdentityIQ offers comprehensive protection against identity theft and fraud through its easy-to-use mobile and desktop applications. Provides peace of mind with various monitoring features, ensuring your personal information is safe from misuse. The service is available in four plans, to suit different needs and budgets, and even the basic level offers up to $1 million in identity theft and loss of income coverage. However, it lacks social media following and shares information with third parties for promotional purposes.

Key features include dark web monitoring and family coverage in higher-tier packages. IdentityIQ monitors credit reports from up to three bureaus, Internet and dark web activity, and address changes with credit reporting agencies. It also offers optional Bitdefender Premium VPN and Total Security antivirus for additional protection.

Prices vary across four tiers. Secure, Secure Plus, Secure Pro and Secure Max, and range from basic to advanced features. All plans offer substantial coverage, with the top tier providing additional benefits such as identity restoration with limited power of attorney and family coverage for members under 24 years of age. Monthly and annual billing options are available, offering up to 35% savings. However, there is no free trial option.

Why we chose IdentityIQ? Offering up to $1 million in identity theft insurance on all plans, including family coverage options in higher-tier packages, ensures extensive coverage and peace of mind for users.

Our Experience: We appreciate the comprehensive customer support that IdentityIQ offers. We understood that when problems arose, guidance through the steps of identity theft recovery, such as contacting the credit bureaus and handling fraudulent activity on your credit reports, was taken for granted. After the fact, the IdentityIQ team proactively follows up on cases to ensure the issue is resolved.

Pros:

• Refund of up to $1 million of stolen funds
• Comprehensive dark web monitoring
• Real-time credit monitoring and identification
  Cons:
• No refunds for partial months
• No free trial option offered

IdentityTheft.com

• forks
• Those who want to protect their credit
• N/A

IdentityTheft.com has partnered with ScoreSense to offer an effective identity theft solution. The platform runs daily scans to detect irregular credit report activity and other potential signs of identity theft, alerting you immediately of such occurrences. You also have the option to request full credit reports from all three bureaus to check for errors, unauthorized changes, or suspicious activity.

Furthermore, IdentityTheft.com extends its monitoring services to other personal accounts such as driver’s licenses or credit cards. It digs deep into the dark web to make sure your personal information isn’t being sold by cybercriminals. To enhance your protection, the service offers $1 million in insurance coverage to cover any financial loss due to identity theft.

However, if you want protection against a wide range of identity theft scams, you’ll need to manually set up additional account monitoring. This platform also does not provide a full-service identity solution in the event of a breach. Instead, they guide you through the necessary steps, from closing unauthorized accounts to filing police reports and FTC complaints.

Why we chose IdentityTheft.com. If you want to keep a close eye on your credit reports, IdentityTheft.com is a great choice. The service provides personalized advice with loan officers and a dedicated dispute center. Furthermore, it provides monthly updates from all three credit bureaus and proactively monitors daily for any unusual activity.

Our experience: we were positively impressed with IdentityTheft.com’s three bureau credit monitoring. If you’re willing to be proactive in protecting your online identity, this “one-size-fits-all” service should suffice.

• Ability to add multiple accounts to be monitored
• Continuous monitoring
• Instant alerts on suspicious activity
  Cons
• No pricing information
• No 24/7 customer support

MyCleanID

• One-time free diagnosis
• Identity theft and PC maintenance
• $19.99 per month

MyCleanID combines identity theft monitoring with specialized diagnostic software to effectively protect against identity theft. This tool tracks your hard drive and hides the location of any data (sensitive information like phone numbers, email addresses, and credit card numbers) that could be exploited by identity thieves.

Additionally, MyCleanID constantly tracks changes to your credit reports, newly opened accounts, and suspicious activity linked to your Social Security number or physical address. The service even includes lost wallet protection, with up to $2,000 in emergency cash and a maximum of $1 million in identity theft insurance.

MyCleanID is unique in protecting both your local device and your cloud-based personal information. And all you need to do is download the diagnostic software to your computer. But while it will flag issues for free, fixing them will require a $19.99 annual subscription. Additionally, it lacks multiple subscription tiers with different levels of features.

Why we chose MyCleanID? MyCleanID employs diagnostic software that scans for security risks on your device, offering an additional layer of protection to your identity safeguards. The anti-identity theft product also provides consistent monitoring and alert systems. Ultimately, these could prove invaluable in keeping your information out of the hands of identity thieves.

Our experience: We did not see similar diagnostic software on any other competitor’s site. This tool really impressed us, as it gave us unique insight into how locally stored information could expose us to identity theft. However, at $19.99 per year on top of the monthly subscription fee, we’d prefer to see more customizable subscription tiers.

Pros

• Up to $2,000 of lost wallet protection
• Exclusive PC protection software encourages proactive online security
• 24/7 support in the US
  Cons:
• You need to pay a one-time activation fee
• Only 1 plan available

How We Reviewed the Best Identity Theft Protection Services – Our Methodology

With a wide variety of online identity theft services available, we’ve considered several factors to rank some of the best identity theft protection services.

We have reviewed the adaptability of their services, their cost, monitoring techniques, recovery process and customer service reliability. We also looked into providing additional online security tools, such as VPN access and antivirus protection, in addition to their basic identity security measures. Our evaluation criteria include:

• Monitoring methods including credit reporting and dark web monitoring
• Identity recovery methods: full-service or stand-alone?
• Cost effectiveness
• Availability of customer service
• Additional online security tools
• The degree of customization of the product
• User reviews
  

What’s Identity Theft Protection?

Identity theft protection services are designed to protect your personal information from fraudulent use, such as opening new credit card accounts or taking out loans in your name. Typically, most ID theft services feature identity and credit monitoring designed to detect suspicious activity in real time, such as unauthorized purchases.

Many also include insurance to reduce costs if a breach occurs and offer resources to help resolve theft issues and facilitate ID recovery.

How Does Identity Theft Happen?

Most identity theft occurs over the Internet when you don’t implement proper cybersecurity measures. Weak passwords can be easily guessed or cracked when using outdated antivirus software, leaving your data vulnerable to newer malware.

For example, one common trick is a phishing scam that lures you into submitting your information to fake websites. In these scams, you unknowingly hand over your passwords and personal information while the criminals remain unknown. An updated antivirus package, however, will be able to identify suspicious or dangerous websites.

Some hackers can also infiltrate your device directly using viruses or remote desktop software, while others infiltrate your accounts using malicious methods such as keylogging. In addition, criminals can steal your personal information through data breaches of companies or other organizations that have your data registered.

For example, an alleged hacker forum leak exposed the emails of more than 200 million Twitter users. dark web or other criminal forums.

If you suspect identity theft, act immediately. The potential damage extends far beyond data loss and can have serious consequences.

Why’s Identity Theft Protection Important to Have?

Identity theft protection is important because it quickly flags suspicious activity, allowing you to take preventative measures. Such mitigating actions may include disputing a fraudulent account or freezing your credit. Every second is important. The longer a criminal has access to your personal data, the more damage they can do.

Most identity protection services will do the heavy lifting, closing unauthorized accounts and contacting your bank and credit bureaus to report fraud. They also offer online security tools like VPNs and antivirus software to thwart hackers, preventing identity theft in the first place.

In addition, many of these services include insurance coverage in the event of a breach, giving you peace of mind that you will recover from any financial losses.

Do I Need an Identity Theft Protection Service?

Ultimately, the decision comes down to personal preference. Would you rather pay a small fee for coverage in case you are a victim of identity theft?

Reliable identity theft prevention services offer valuable protection against financial and identity-related harm caused by criminals and malicious actors.

High-risk individuals, especially, could significantly benefit from these advanced safeguards against identity theft. This includes previous victims, as their stolen information may be traded or sold between bad actors who could victimize them again, and those who frequently conduct confidential transactions online.

However, it is essential to understand that identity theft protection services do not completely prevent identity theft. With this in mind, it is becoming increasingly clear that you need to be smart and proactive when it comes to protecting your personal information.

How to Prevent Identity Theft

Signing up for an identity theft protection service does not prevent your personal information from being stolen. Instead, it allows you to take immediate action if fraud is detected. These services monitor various sources, including your credit files, social media accounts, and the dark web, to identify any signs of criminal activity.

Fortunately, there are some actions you can take to proactively prevent identity theft. These include the following:

• Regularly review your financial accounts. Frequently review your credit card and bank account statements to identify suspicious or unknown expenses.
• Use strong, unique passwords. By employing strong passwords (think: “SDjcks2347\]LKS”:>” vs. “Yourname2023”), you make it harder for criminals to guess or crack them and limit the potential damage if one of your passwords leaks or is stolen.
• Install updated antivirus software. Hackers often try to install malware on devices to gain unauthorized access or steal personal information. Using a reliable antivirus program can detect and block malicious software before it infiltrates your device, reducing the risk of this happening.
• Protect physical information. Make sure your mail is delivered to a secure location or locked mailbox. Also, shred all personal documents before throwing them away so they can’t be stolen from the trash.
  

  Is an ID Theft Protection Tool Worth the Investment?

  Yes, identity theft prevention tools are essential to ensure effective identity protection. As we become increasingly reliant on phones and computers, the threat of digital identity theft continues to rise. If you have been a victim of identity theft in the past, you are particularly vulnerable. And your risk increases every time you conduct confidential transactions online.

If you want to add an extra layer of security to your life and reduce the risk of identity theft, consider spending a few dollars a month on an identity theft protection service.

What Types of Identity Theft Protection Services Are Out There?

Identity theft protection services offer a variety of features and varying degrees of protection. Some, like credit report monitoring, provide basic protection but don’t guarantee full coverage. Others are more comprehensive but also often more expensive.

Here is an overview of these services with an idea of their special offers and benefits:

• Credit report monitoring. Credit report monitoring services basically monitor your credit report activity in real time. This feature will notify you of changes, including loan applications or new bank accounts opened in your name.
• Identity monitoring. More comprehensive identity monitoring is designed to scan for compromised or stolen personal data from a variety of sources that criminals can weaponize. These sources include the dark web, common websites, and a variety of other databases.
• Restoration of identity. Reliable identity recovery services (which are usually part of an ID theft protection package) can greatly simplify the process of repairing the damage caused by identity theft. Some companies even provide professional assistance, which allows you to relax while professionals solve the problem.
• Identity theft insurance. Another important consideration is the type and level of insurance coverage associated with your identity theft protection service. Some provide a high level of coverage, protecting you from financial loss following identity theft.
  

  Other Types of Identity Theft Protection Services

  Tax-Related ID Protection

  People who illegally obtain personal information such as a Social Security number can file false tax returns with the IRS. However, to combat the growing tax-related identity theft, the IRS teamed up with tax firms, payroll processors and state tax administrators. Together, they run awareness campaigns to educate citizens about safe practices.

Americans should protect their tax records, keep their Social Security cards in safe places, and use reliable security software and strong passwords when submitting sensitive personal information online.

Medical ID Protection

Although less frequent, medical identity theft is an equally serious threat. It includes the misuse of your personal information to obtain medical services or medicines. The dark web can trade this information so that complete strangers can use it, and medical providers can even use it to submit inflated or falsified claims to insurance providers.

For this reason, online protection of your data may not be sufficient. Experts recommend checking health insurance records annually for potential discrepancies.

Common Types of Identity Theft Scams

Criminals use various scams with the sole purpose of stealing your identity or personal information. However, not all identity theft cases involve modern technology, as phone scams and theft of physical information are still common. In fact, Americans lost a staggering $39.5 billion in the last year to phone scams alone.

Here are some common identity theft scams to be aware of:

Phishing. Phishing scams involve criminals posing as legitimate companies or organizations. These scams usually arrive via email or text messages that appear to be from trusted organizations such as banks. They often call for immediate action, such as updating personal or payment information, but once entered, this information is quickly stolen.

Hacking and data breaches. Even with the most advanced cybersecurity measures, everyone is still vulnerable to identity theft. Hackers use various techniques to access devices or corporate databases, allowing them to steal large amounts of personal information.
Form hijacking: Criminals can target online retailers or other unsecured service providers by inserting malicious code designed to help them steal your payment information. This technique often involves manipulating a form so that when you complete it, the code sends a copy of your information to the attacker.
Physical Theft: Physical identity theft continues to pose a significant threat. Reportedly, more than 50% of identity theft incidents between 2006 and 2016 were traced back to non-digital vulnerabilities. This form of fraud can occur through various means, including obvious theft of a purse, wallet, or mail.

Other Kinds of Identity Theft

In addition to the standard types of identity theft mentioned above, you should be aware of some less common ones.

Tax-related identity theft. Criminals can leverage stolen information, such as Social Security numbers, to file fraudulent tax returns with the IRS. Although efforts are made to mitigate this risk, it is still important to protect your Social Security cards and tax records.
Medical identity theft. Although relatively uncommon, medical identity theft occurs when someone uses your personal information to obtain medical services or submit falsified insurance claims.
Child Identity Theft. Scammers may steal children’s identities to open unauthorized bank accounts, apply for loans, and engage in other fraudulent activities.
Synthetic Identity Theft. This form of identity theft involves combining authentic (often stolen) information with fabricated data to create a completely fictitious identity.

What Are Some Common Signs of Identity Theft?

Here are some common indicators of identity theft to watch for:

1. Financial Discrepancies: One of the first warning signs of identity theft is unusual or unauthorized transactions on your credit card or bank records.
2. Your Mail Gets Lost. A common tactic criminals use is to redirect your mail to an address of their choosing. This allows them to receive your mail, giving them access to your sensitive information, such as bank statements, credit card details or other personal information.
3. Debt Collectors Contact You: If someone has been using your identity to get loans and credit cards but hasn’t kept up with their payments, debt collectors may come after you for debts you didn’t know you owed.
4. Your medical records show discrepancies. Some criminals may use your personal information to access medical treatment. If your benefits do not add up or you receive an unexpected medical bill, it could indicate that someone is using your information to receive “free” medical care.
5. Your information is exposed in a data breach. Data breaches are surprisingly common. In fact, these breaches exposed more than six million data records worldwide in the first quarter of 2023. These data breaches often result in personal information being sold on the dark web, which could put you at risk of Identity Theft.

How Can I Find Out If Someone Is Using My Identity?

One of the most effective ways to detect online identity theft is to regularly monitor your bank and credit card statements. Financial institutions typically offer access to account statements through online platforms or mobile apps, so you can easily review your recent deposits, withdrawals, charges, and payments.

If you notice something you didn’t authorize, consider it a clear warning sign of possible identity theft. Additionally, it is essential to regularly check your credit report from the three major credit bureaus. Experian, Equifax, and TransUnion. You can access your credit reports for free by visiting www.annualcreditreport.com.

How to Report Identity Theft

If you are a victim of identity theft, it is essential that you report the incident to the FTC. You can easily do this over the phone or through their online platform; just be sure to provide as much information as possible.

Additionally, please contact your bank, credit card provider and any relevant organizations affected by fraudulent activity carried out in your name. It is also recommended to notify one or more of:

How to Choose the Right Identity Theft Protection Service

While all of the identity theft protection services listed here are great choices, it’s important to find one that fits your needs. Start by considering your budget to eliminate expensive options right away.

Next, assess your requirements. Do you prefer credit monitoring or comprehensive identity monitoring? What level of insurance cover do you need? Is professional help available if you are experiencing identity theft?

After considering these questions, you will be better equipped to make an informed decision. Remember that many providers offer free trials that allow you to test their services without any financial commitment.

Identity Theft Is on the Rise

Recent reports indicate a growing concern about identity theft. Credit card fraud, loan fraud and benefits fraud are alarmingly common. In fact, according to the FTC, incidents of identity theft in the U.S. will increase from more than 650,000 to 1.1 million between 2019 and 2022.

This trend can largely be attributed to the increasing digitization of our lives, which has led to numerous data breaches. These breaches have exposed the personal information of countless individuals, allowing criminals and ID thieves to take advantage of it.

Other Identity Theft Protection Services We Reviewed

In addition to the identity theft protection services discussed above, we have also researched and compiled a list of other brands that may be of interest to you. Check out this list of identity theft services to get an idea of the different pricing options, types of reports, and features offered across the board.

Experian – Best for dark web surveillance

Identity Protection – Best for affordable basic theft protection

ReliaShield – Best for family plans and free coverage for children

GOFreeCredit – The best of three bureau credit monitoring and credit signals

Avira – Best online security tools for Mac users

Credit Karma – Best for free credit report monitoring

Self Financing – Best for building credit

Stop Identity Thieves in Their Tracks

Investing in an online identity protection service is an extremely effective way to prevent online identity theft. However, it is important to recognize that no identity is completely secure in the digital age. That’s why features like identity resolution services and ID theft insurance provide added peace of mind to those looking for extra protection.

Choose the strongest anti-identity theft tool within your budget to keep you safe online. Even a basic or free credit monitoring service can go a long way in deterring identity thieves.

This is where a home warranty plan can come in handy. Protects your investment and reduces repair costs that can put you in debt. However, comparing home warranties can be confusing and time-consuming. Exclusions, coverage limitations, and service charges are just some of the key factors to investigate.

To make it easier for you and better understand what to look for, we evaluated the most popular companies in the industry and compiled a list of the best home warranty providers.

Our Top 10 Best Home Warranty Companies:

• Choice Home Guarantee :Best Overall Home Warranty Company
• Choose Home Warranty: Reasonably Priced Premiums and Rates
• American Home Shield: Best for Custom Plans
• Home Warranty of America: Best for Comprehensive Appliance Coverage
• America’s First Home Guarantee: Best for High Payments
• Home Maintenance Club: Best for Covering Pre-Existing Problems
• Liberty Home Guard: Homeowners Looking for Fast Claims Processing
• Elite Home Warranty : Adjustable Warranty Policy
• Mike Holmes Protection: Unlimited coverage for home systems and up to $6,000 coverage for appliances.
• 2-10 Home Buyer Guarantee : Best for Fast Service

Our Review Methodology: Evaluating the Best Home Warranty Companies

It is important that you get the best advice and information when comparing home warranty companies. That’s why, in addition to the main criteria in our list below, we also take into account public opinion of customers and draw on industry experience to offer only high-quality services. Our methodology is based on the following factors:

• Average annual premium
• Number of contractors
• Service call fee
• When can service requests be made?
• Coverage range
• Types of plans available (premier, gold, platinum, etc.)

Our Top 10 Best Home Warranty Companies – Quick Reviews:

Choice

Choice Home Warranty is an ideal affordable option for first-time homeowners. Choose between their customizable Basic Plan (12 items) and General Plan (16 items) for coverage of up to $3,000 per successful claim.

DebtHammer CEO Jake Hill notes that the Choice Home warranty is also “particularly helpful for older homeowners” because they are not “denied coverage based on the age of their home systems or appliances.”

Instead of changing service fees, they only charge $85 per claim. You also get your first month free if you’re a new customer.

Why we choose Choice Home Guarantee. Setting itself apart from other services, Choice Home Warranty responds quickly to inquiries and claims, provides reliable customer service, and has affordable annual premiums.

Our Experience: We were impressed with Choice Home Warranty’s quick response time when making claims online and over the phone. The support professionals we worked with were knowledgeable and quick to provide helpful information.

Read the Choice Home warranty review

PROS

• Low premiums
• First month free
• 24/7 phone and online home warranty solutions

CONS

• Coverage limits of $250 to $3,000 per item
• Not available in California

Select Home Warranty

Select Home Warranty provides competitively priced coverage for major appliances and systems. Their premiums start at just $36 per month, which is more affordable than other home warranty companies.

Jennifer Spinelli, real estate professional, investment advisor, and founder and CEO of Cash For Houses, calls Select Home Warranty “reliable and trustworthy.” She adds that she no longer has to worry about “expensive repairs or replacements due to accidents or breakdowns.”

There are three different plans available and all include free roof leak coverage. However, Select Home Warranty services are not available in Nevada, Washington, or Wisconsin.

Why we choose Select Home Guarantee. Their affordable premiums and minimal rates set them apart from their competitors. It is also convenient that they offer two months free with their annual plan.

Our experience. We were particularly impressed with Select Home Warranty’s friendly 24/7 phone support and free roof leak coverage.

Read the Select Home Warranty Review

PROS

• Affordable premiums and rates
• 24/7 phone support
• Free Roof Drain Coverage

CONS

• Lower coverage limits
• Not available in Nevada, Washington or Wisconsin

 American Home Shield

American Home Shield, in business since 1971, is the largest and most respected company in the U.S. home warranty market with more than two million members.

Tommy Gallagher, former investment banker and founder of Top Mobile Banks, was “impressed with the range of contractors available and the quality of service provided”.

Choose from their three customizable plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan only covers 14 major systems, while the ShieldGold plan covers 23.

For additional benefits, ShieldPlatinum comes with full system and hardware coverage. This includes cost-saving extras like free HVAC tune-ups, unlimited air conditioning refrigerant, coverage against leaks and code violations, and higher payment limits for repairs and replacements.

Why do we choose American Home Shield? They operate in 47 states and Washington DC, and you can customize your plan. American Home Shield automatically covers duplicate items and older items with rust or corrosion.

Our experience. We found American Home Shield to be a great option for anyone looking for highly customized plans and access to a broad network of contractors. We could easily find a program that suited our needs.

Read the American Home Shield Review

PROS

• Highly customizable plans
• Includes undisclosed pre-existing conditions.
• Covers old things including rust and corrosion.

CONS

• There is no guarantee of repair time.
• Not available in Alaska, New York or Hawaii

Home Warranty of America

Home Warranty of America has comprehensive policies that cover most appliances and home systems. Offering up to $15,000 in annual coverage for repairs and replacements, they also have 24/7 phone or online support requests and a 30-day money-back guarantee.

They may be a little more expensive than some of the competition, but you get a lot for your money. All plans come with a per-service visit deductible.

Why we choose Home Warranty of America. Home Warranty of America provides nationwide service and is a good value when covering all appliances.

Our experience. We were impressed with the home warranty and efficient US customer service. It was easy to set up a plan and we appreciated their 30-day money back guarantee.

Read a review of Home Warranty of America

PROS

• Covers most appliances.
• High coverage limits
• 30 days money back guarantee

CONS

• 30 day waiting period
• 10% cancellation fee

The First American

The First American home warranty is the ideal choice for those looking for solid home protection for their systems and devices. The company has been in business since 1984 and claims to have saved homeowners more than $219 million in renovation costs.

Coverage comes in two basic plans and one premium plan. The best features of the First American Home warranty include that it protects items regardless of their age and replaces defective items with new equivalents if they cannot be repaired.

Why We Choose First American Home Warranty First American Home Warranty offers specialized programs for both real estate professionals and service providers. They also have a 24/7 complaints service, fully vetted merchants and a transparent application process.

Our experience. We liked First American Home Warranty’s response times, which were significantly faster than other companies.

Read the First American Home Warranty Review

PROS

• 24/7 claims support
• Fully verified merchants
• Low prices and service fees.

CONS

• It is difficult to understand the price breakdown without a personal quote.
• Your application is poorly rated.

Home Service Club

Home Service Club (HSC) offers two service plans: Standard and Comprehensive. The Standard plan includes 18 major devices and systems, while the Comprehensive plan includes 33. Additional extras such as pool and roof cover are available at an additional cost.

HSC’s unique plans include pest damage and utility line coverage, setting them apart from other home warranty services. You can also choose the amount of your service fee from three options ($65, $95, and $125), and all repairs come with a 90-day warranty.

However, HSC charges above-average service charges and surcharges. You must also live in a single-family residence, condominium, townhouse or multi-family property to qualify for the program.

Why we chose Home Service Club? HSC has a wide selection of optional extras including coverage for gas lines, grinder pumps, pipelines, swimming pools and spas. In addition, the company’s services are available throughout the country without exceptions.

Our experience. we appreciated that HSC provides pest damage coverage, which many competitors do not.

Read the Home Care Club review

PROS

• Provides coverage for pest damage
• Available nationwide
• 90-day warranty on all repairs

CONS

• High base premiums and service charges
• Do not list prices on the website

Liberty Home Guard

With high ratings and excellent reviews, Liberty Home Guard has a reputation for providing reliable service to customers.

They have three plans available (Systems Guard, Appliance Guard and Total Home Guard) with optional financial protection for roof leaks, freestanding freezers, generators, carpet cleaning and pressure washing. New policyholders also get free limited roof leak protection and two months of free coverage.

Liberty Home Guard’s exceptional claims process sets them apart from other home warranty providers. They have a 24/7 call center and guarantee to assign a contractor to a claim within 24 to 48 hours. They also have a network of over 10,000 qualified technicians in all 50 states.

Liberty Home Guard has launched a comprehensive mobile app that revolutionizes the way homeowners manage their escrow accounts, file claims and access real-time information. The app offers features like easy access to warranty details, efficient claims management, streamlined payment tracking, seamless communication with technicians, real-time notifications, and a wealth of home maintenance knowledge.

Why We Chose Liberty Home Guard: Liberty Home Guard’s rates start at just $1 per day and their technicians arrive within 24 to 48 hours of filing a claim.

Our Experience: We are pleased with Liberty Home Guard’s reliability, fast claims processing, and excellent customer service.

Read the Liberty Home Guard Review

PROS

• Excellent client service
• Currently offering two months free.
• Highly valued by customers.

CONS

• Not available in Wisconsin
• Less technicians compared to other companies

Elite Home Warranty

Elite Home Warranty offers highly customizable home warranty policies. You can choose from three warranty packages and dozens of optional add-ons, or create a completely custom policy that protects the devices and home systems you care about most. You can also adjust your coverage limits and copayments for service visits. Overall, Elite Home warranty policies are comprehensive and affordable.

Elite Home Warranty is one of the few home warranty providers that allows you to choose your own service technician. The company also has a nationwide network of contractors and can dispatch them within 24 to 48 hours of your claim. You can file a claim 24/7 online, by phone, or through the Elite Home Warranty mobile app.

Read the Elite Home Warranty Review

PROS

• Select custom coverage limits
• In-network service technicians or choose your own
• Submit claims 24/7 online, by phone or through the app

CONS

• Copays for service visits can be up to $130 each time.
• The service performance guarantee is only 30 days.

Mike Holmes Protection

Mike Holmes Protection offers adjustable home warranty policies that provide unlimited coverage for your home systems and up to $6,000 in coverage for your appliances. The company has a network of more than 11,500 contractors and responds to requests 24 hours a day, 7 days a week.

Why did we choose Mike Holmes Protection? Mike Holmes Protection is more expensive than the competition, but you’ll have peace of mind knowing that even the most expensive repairs will be fully covered. The company also has excellent reviews from owners for its quick response to complaints.

Our experience. I found the support team at Mike Holmes Defense to be very responsive and very helpful. I also love that you can get a free quote and sign up online in just a few minutes.

Read Mike Holmes’ defense review

PROS

• Unlimited coverage for home system repairs.
• Multiple plans with multiple add-ons
• Great reputation for quick repairs.

CONS

• Available only in 36 states
• Premium costs are higher than the industry average.

2-10 Home Buyers Guarantee

2-10 Home Buyers Guarantee has 40 years of experience in the home warranty industry. It offers 3 plan tiers: $19.99 per month, $51 per month, and $60 per month. Service fees are adjustable and range from $65 to $100 per visit, but the base fee is $85. 2-10 HBW offers a generous annual coverage limit of $25,000, so you’re protected in the event of multiple device or system failures.

To get started, simply visit the 2-10 HBW website or call customer service. You can purchase a warranty at any time, whether you’re buying, selling or currently living in your home. Support is available 24/7 and you can expect a service call within 24 to 48 hours of submitting your claim.

Benefits:

• Annual coverage limit up to $25,000
• Covers casual wear
• Service charge refund if item not covered
• Customers receive discounts on GE and Whirlpool appliances

Plans and Pricing:

The 2-10 Home Buyer’s Warranty offers three plans and optional additional coverage.

• Simply Kitchen – includes six kitchen appliances
• Complete house. covers 22 appliances and home systems, including all those covered by the Simply Kitchen plan
• Pinnacle Home. covers 32 appliances and home systems, including all those covered by the Complete Home plan

States Serviced:

The 2-10 home buyer warranty is available in 42 states, but not available in Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, and Wyoming.

Read 2-10 warranty reviews for home buyers

PROS

• Available in 48 contiguous states
• Buy a plan anytime
• $25,000 annual coverage limit

CONS

• Expensive annual premium
• High base maintenance fee

Comparing the Top Home Warranty Companies

Now that you have more information about the top 10 home warranty companies, it’s time to compare them. The home warranty chart below outlines each company’s features and services, including coverage details, average annual premiums and customer experience.

Consider coverage inclusions and limitations when reviewing the chart. Look closely at maintenance fees to make sure you’re not overpaying for actual repairs in an attempt to save on the annual premium. Finally, read customer reviews to learn how each company performs, as well as the quality and timeliness of their repairs. With this information, you will easily be able to decide which company offers the best plans at the most affordable prices.

What is a Home Warranty?

A home warranty is a contract that provides customers with coverage for the repair and replacement of major home systems and appliances due to normal wear and tear. Offers protection against unexpected breakdowns, including repair or replacement of covered items such as air conditioners, boilers, refrigerators, washing machines and plumbing systems.

How Do Home Warranties Work?

Home warranties help homeowners cover the cost of repairing or replacing appliances, systems, and other household items that break down over time. When you purchase a home warranty, it’s like having a security blanket for unexpected repairs. If something goes wrong with covered products, the appliance warranty company pays for repairs or replacements up to your plan limit.

If you have a problem with a covered product, you can call the warranty company and they will send a technician to fix it. The technician will use parts from an approved list to repair or replace the product to get it working again.

You usually have to pay a small service fee or deductible for each repair or replacement job. His plan will cover the rest of the bill up to the amount of his policy. That’s why many people consider home warranties a valuable investment. You don’t pay anything if something breaks.

Are Home Warranty Plans Worth It?

Home warranty programs are worth it for many homeowners. They protect you from unexpected repairs and high replacement bills, especially for large appliances like refrigerators or washing machines.

There are many reasons to get a home warranty plan, including the peace of mind of knowing that if something breaks in your home, you may not have to pay as much to fix it. Many companies also offer additional coverage options such as pools, spas, extras or systems, so you can customize your plan to your needs.

Determining the Need for a Home Warranty

A home warranty can be beneficial in many situations, whether you are moving into a new home or a home you have loved for decades. For those moving into a newly built home, the warranty covers defects and malfunctions in the home’s major systems and appliances. It can even reduce overall maintenance costs during the first year.

Getting coverage for an older home is also a good idea because it protects against costly repairs due to aging and wear and tear. While most plans do not cover problems in older homes, there are some home warranties that cover pre-existing conditions, allowing for repair services at a reduced or no cost.

How to Choose the Best Home Warranty Plan for Your Needs

When you’re ready to purchase a home warranty plan, follow these steps to ensure you choose the best company for your needs.

• Explore different plans and compare features. Read about the different home warranty contracts available to determine which one best suits your needs. Consider the coverage limits, service charges, and other benefits each plan offers.
• Ask important questions. Contact home warranty companies if you have any questions about your plans. Make sure you understand what is covered and if any limits or restrictions apply.
• Get home warranty quotes from multiple providers. When you’re ready to buy, compare prices and request quotes from several vendors. Be sure to read the fine print of the contract before making a decision.
• Verify credentials. Look for companies that are certified by organizations such as the National Home Services Contracting Association to ensure they are reputable and have the proper licenses and regulations.
• Study customer reviews. Read home warranty reviews from customers who have used the company in the past. Check how reliable, helpful and responsive their customer service is to know how to file a claim or repair later.
  

  Coverage Details of Home Warranty Plans

  Basic home warranty plans typically cover major appliances and offer coverage for:

• Refrigerators
• Dishwasher
• Washing machines
• Dryers
• Stoves and ovens
• Garbage collection

Additionally, most home warranties cover the following basic home systems:

• Electric system
• Ducts
• the water heater
• Air-conditioning
• Cooling and heating system.
• Ancient
• plumbing system
• garage door

For an additional cost, many home warranties offer additional coverage for the following items.

• Tanks septicos
• piscinas buried
• bombas de pozo
• bombas de sumidero
• Septic systems
• aspiradoras centrales
• Balnearios
• Water heaters
  

  Cost Considerations for Home Warranty Plans

  Home warranty plans typically cost between $300 and $600 per year, which breaks down to $25 to $50 per month. Some companies offer monthly payment options, but pay annually if possible, as many providers offer discounts for this.

  Additionally, most home warranty companies charge or reduce a maintenance fee each time. This can cost between $60 and $150. There may also be charges for after-hours repairs, special types of services, and other items not included in your plan. Please read the terms and conditions of your plan to understand exactly the fees associated with it.

  Advantages of Purchasing a Home Warranty

  An additional layer of insurance for your home, home warranties can cover costly repairs or help finance the replacement of major appliances and other items in your home. With a home warranty program, you can avoid surprise expenses and enjoy peace of mind knowing that all warranty issues will be covered.

  Benefits for Homeowners and Landlords with a Home Warranty Policy

  Homeowners and landlords can benefit from home warranty policies because they cover the cost of repairing and replacing major appliances and systems that will eventually break down. This is particularly helpful for landlords who rely on rental income to pay bills and maintain maintenance costs. With a home warranty program, they don’t need to worry about additional repair costs.

  Homeowners also benefit by knowing that if something goes wrong, they won’t have to scramble to raise money or find a contractor. Most companies offer custom coverage options, allowing homeowners to select the specific items they need protection for.

  What Types of Home Warranty Plans Are Available?

  Home warranty programs are a helpful way to protect yourself against costly repairs. There are several types of home warranties, so it is very important to understand the coverage of each plan. Below is a summary of the different types of plans and what they include:

   

• Device-only plans. Basic appliances such as stoves, garbage disposals, refrigerators and ovens.
• Systems-only plans. Home systems such as plumbing, electrical and air conditioning.
• Comprehensive plans. both large appliances and home systems.
• Additional coverage. items not included in your basic plan, such as pools, spas, second refrigerators, septic tanks, sump pumps, and well pumps.
  No matter which home warranty plan you choose, always read the fine print and ask questions before you commit. This way you can be sure that your investment in your home will be properly protected.

What Is Not Covered Under Warranty?

While home warranty programs provide homeowners with valuable protection, they may not cover everything. You often need a higher-tier plan or special add-on to cover certain things. Below are some items and situations that are not typically covered by most warranties:

• Accidents due to inadequate maintenance. You will have to pay for any damage or malfunction caused by improper maintenance or lack of maintenance. For example, if you do not change the filters in your HVAC system regularly, the resulting problems will not be covered.
• Damage caused by self-repair. Repair or replacement costs will not be covered if you attempt to repair any item yourself, causing further damage. Therefore, if you think something is wrong, you should always call a professional.
• Pre-existing damage.
• Cosmetic problems. Cosmetic problems, such as scratched tiles or paint on a wall, are considered minor repairs and are not covered by standard warranties.
• Code Violations. Your home warranty policy will not cover damages related to code violations, such as if you build an addition to your home without proper permits.
  

  Step-by-Step Guide to the Home Warranty Claims Process

  Filing a claim with your home warranty company doesn’t have to be overwhelming or complicated. You can follow the process below to resolve your issues quickly.

Step 1: Contact Your Home Warranty Company

Contact your home warranty company online, by phone, or by email. Give them all the relevant details about your problem, such as when it occurred, what happened, and what could be causing it. You may also be asked for photographs or proof of purchase, depending on company policy.

Step 2: Submit an Online Claim Form (If Required)

Some companies offer an online claim form that you must complete before accepting your claim. It helps the company understand its problem more clearly and can ultimately simplify the process for both parties. When completing the form, please read each field carefully before submitting to ensure the information is complete and accurate.

Step 3: Await Confirmation of Your Claim

After submitting your claim, you will need to wait for confirmation that it has been accepted. Most companies aim to respond within 24 hours, but this can vary depending on the severity of the issue. Please follow up if there is no response within a day or two; sometimes emails get lost.

Step 4: Check If You Need to Pay Service Fees

You will probably have to pay a maintenance fee before repairs can begin. Your home warranty company should provide clear instructions on how and when to make this payment. Ask questions to avoid misunderstandings afterwards and, of course, before the technician arrives at your door.

Step 5: Arrange for Repair or Replacement of the Item

Once your claim is accepted, the repair or replacement will begin. Depending on where you live and the availability of parts and services in your area, this can take anywhere from a few days to a few weeks. Many companies have a group of contractors that they work with on site, but they are not always reliable or communicative. Be sure to ask for updates throughout the process.

Home Warranty vs. Homeowners’ Insurance: Understanding the Difference

Homeowners insurance covers repair costs related to fire, flood, lightning, wind, hail, theft, vandalism, and liability protection (if someone is injured on your property). Specially covered items can include roofs, furniture, clothing, appliances and more, as long as the damage is caused by a covered issue or natural event.

Home warranties typically cover repair or replacement of major appliances and systems, such as air conditioning, plumbing, and electrical wiring, due to normal wear and tear. For similar reasons, your home warranty may also cover large appliances like dishwashers, stoves, ovens, and refrigerators.

Both protect the value of your home, so it’s important to compare your home warranty and homeowners insurance when making your decision.

Additional Home Warranty Companies We Reviewed

More Home Warranty Companies We’ve Reviewed
In addition to the top home warranty companies mentioned above, the following are also worth considering:

• Sears Home Warranty – Best Repair Guarantee
• HSA Home Guarantee: Best Without Home Inspection
• Landmark Home Guarantee – Best Pest Control Coverage
• HomeServe USA – Best Value Packages
• Amazon Home Warranty: Best One-Month Free Service
  

  Bottom Line – Protect Your Investment with a Home Warranty

  Our picks for the top 10 home warranty companies are Choice Home Guarantee, Select Home Guarantee, American Home Shield, Home Guarantee of America, First American Home Guarantee, Home Service Club, ARW Home, Liberty Home Guard, First Premier and 2- 10. Guarantee for home buyers.

Home warranties can help homeowners and homeowners save money on maintaining appliances and home systems.

Some plans give you access to additional benefits like extended appliance protection, free HVAC maintenance, and a network of vetted and certified technicians you can trust. These benefits alone make home warranties a good investment for many homeowners.