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What identity theft insurance actually pays for (and doesn't), free alternatives, and when a credit-freeze beats a paid plan.
For most adults in 2026, a free credit freeze at each of the three bureaus provides better protection than a $10-$30/month identity theft insurance policy. The freeze blo
Identity theft insurance can cost $10 to $30 a month. Here is when the coverage actually pays off versus a free credit freeze.
How identity theft insurance premiums are calculated in 2026, plus seven levers you can pull right now to lower your annual cost without dropping coverage.
A complete 2026 guide to identity theft insurance coverage limits: what each number on your policy means, how to size them to your real exposure, and the gaps most buyers miss.