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What is a home warranty?
How does it work?
A home warranty is a service contract that provides coverage for the repair or replacement of major home systems and appliances. It offers homeowners a level of protection against unexpected breakdowns and failures.
Referred to as home protection plans, these plans ensure your home is shielded against unexpected expenses through manageable monthly payments, sparing you from costly surprises.
Here’s how a HomeLifeShield© home protection plan works:
When a covered system or appliance breaks down due to normal wear and tear, the homeowner contacts the warranty provider to request service. This is usually done through a toll-free number.
The warranty company coordinates with a network of pre-screened service providers. They will dispatch a qualified technician to diagnose and repair the issue. If the item cannot be repaired, the warranty may cover the replacement cost, subject to terms and conditions.
Homeowners pay a $75 service fee or deductible when a technician is dispatched. This fee is usually lower than the full cost of repairs or replacements. If the technician determines that the covered item can be repaired, they will proceed with the necessary fixes. If the item cannot be repaired, the warranty provider may cover the replacement cost based on the terms of the warranty.
At the end of the warranty term, homeowners can choose to renew their coverage for another term.
What is home title and identity protection?
How do they work?
HomeLifeShield© Identity and title protection, protects you, your family, and your home from identity theft and property title protection with a single, comprehensive plan.
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Identity Theft Protection Services
Internet Monitoring and Dark Web Surveillance
Scans for sensitive personal information commonly sold and traded on black market internet sites
Premium ID Theft Early Warning System
Proactive notification and monitoring with instant alerts of possible threats.
24/7/365 Toll-Free Victim Response Center
A dedicated toll-free number for victims of identity theft.
Bilingual (Spanish & English)
Banking and Account Monitoring
This service is an identity authentication alerting service that provides notifications to customers when American Identity Group learns that a consumer’s identity was authenticated pursuant to a request from a participating client
Fully Managed Identity Theft Recovery Service
Each victim is assigned a dedicated Identity Theft Recovery Advocate.
The advocate conducts an intake interview and develops a personalized case plan to document and dispute all fraudulent matters necessary to recover & restore the victim’s identity.
$1,000,000 Insurance Policy from American Insurance Group
Reimburses you for covered out- of-pocket expenses like notary charges, certified mail charges. lost wages, loan application fees for reapplying for impacted loans, and reasonable approved attorney fees.
Credit Monitoring
One or three bureau credit monitoring.
See scores and detailed reports.
* Identity Theft insurance underwritten by insurance company substances or images of American International Group, Inc. The description forum is a summary and intended for informational purposes only and does not include all arms conditions and clinics of the policies described Please refer to the actual policies for terms, conditions, and exclusions of coverage Coverage may not be available in all jurisdictions.
ID Theft Risk Scores
To help predict risk to ID theft we offer six risk scores
Our 6 identity theft risk scores help you predict the likelihood of you becoming a victim of identity theft and fraud based on multiple factors.
The Identity Risk Score is the most popular score as it combines the predictive scores of all available data points and individual risk scores into a combined single predictive score. Other scores focus on risks from breaches, demographics, and online, and email risk factors.
In addition to the predictive identity theft risk score values, we provide actionable guidance based on each score result to help reduce your risk of becoming a victim.
All scoring models are powered by the latest in predictive statistical scoring methods combining years of historic identity theft victim data from our Identity Response Center with over a thousand relevant data factors that feed our advanced artificial intelligence machine learning algorithms.
10,725,330,521Data Breach Records
2,425,486ID Theft Customers
933,726ID Theft Alerts
42,692Victim Recovery Cases
