Category Archives: Identity Theft

Identity Theft Prevention

Last year more than 1.3 million Massachusetts residents were affected by data breaches, a fourfold increase from 2014 affecting approximately 1 in 5 people. As it becomes easier for our personal information to fall into the wrong hands, identity theft continues to be a big problem in the Bay State.

Internet identity theft on a digital tablet with reflection of hackers hand concept for online digital crime

If you know your identity has been stolen or suspect it’s been compromised, call Bunker Hill immediately at 888-472-5246. We’ll connect you to an Identity Theft 911® specialist, a service specializing in identity management and fraud education. Bunker Hill customers get the following services at no extra cost:*

  • 24/7 personalized fraud assistance, from notifying credit bureaus and government agencies to filing a police report and helping create a Fraud Victim Affidavit
  • Assistance in replacing sensitive documents, like your passport, credit and debit cards, driver’s license, and tax and other personal documents
  • Preventative services if you experience burglary, see a suspicious debit or credit charge, learn of a data breach you might’ve been affected by, or if you’ve had a significant life change that might make you vulnerable to theft
  • Proactive identity theft education

Identity theft doesn’t discriminate. It can happen to anyone. If you suspect someone has stolen your identity, call us immediately at 888-472-5246 and we’ll connect you to an Identity Theft 911® specialist who will guide you through the resolution process.

Other ways to protect your identity

  • Use a paper shredder to discard documents that may contain confidential information, like your social security number
  • Review your bank and credit card statements carefully and speak up if you notice a suspicious charge
  • Use strong passwords for your online accounts. Strong passwords should be more than eight characters and contain both capital letters and at least one numeral or other non-alphabetical character
  • Be conservative with your personal information

At Bunker Hill, we’re committed to protecting more than just your home. We’re committed to safeguarding the whole you.

*These services are provided by Identity Theft 911, which is not an affiliate of Bunker Hill Insurance Company. These services are not an insurance product and do not guarantee or warrant that a user of these services will not suffer any losses as a result of fraud committed using personal information. These services are intended only to assist users to prevent identity theft from occurring and to assist users in recovering from identity theft. These services do not reimburse users for any losses or out-of-pocket expenses incurred in connection with identity theft

Heading back to school? Here are 6 ways to protect your identity on campus.

  1. Card SecurityDon’t carry your social security card around. Leave it at home in a safe place, or better yet, locked away. Don’t give out your SSN unless you absolutely have to—and even then, ask why the organization needs it. Chances are, they may accept another form of ID – or will only need the last four digits.
  2. Tear it up. Buy a shredder and use it for anything printed with your name, address, and any other personal information such as a social security number, driver’s license number, or financial account number. For documents that you need to retain, if they include this type of information, store them in a secure place in your home. Don’t ever throw out unopened mail – take a quick look and make sure that it doesn’t include personal information – if it does, shred it and then recycle it. This is really important with pre-approved credit card applications, bank statements, or medical records. Make sure to cut up expired credit cards and put the pieces in different trash cans. Think we’re being paranoid? Think again. You never know who’ll find it—or use it.
  3. Be safe online. Change your passwords frequently and make them tough for others to figure out—for example, it’s not a good idea to use things others may readily know like your dog’s name or your birthday (your dog’s birthday is a safer bet). Install firewall and antivirus software on your laptop or computer, and keep it up to date. Don’t share, email or post your passwords or PINs (or your social security number, for that matter), even with close friends…but you know that already, right?
  4. Copy-cat. Make copies of your credit cards (front and back), passport, driver’s license and other important docs, and put them in a safe, preferably locked place. That way, if your wallet gets stolen or lost, you’ll be able to contact your credit card companies right away stop any potential damage quickly.
  5. Stay on top of your credit. Massachusetts residents are entitled to one free credit report a year from each of the three major credit agencies (Experian, Transunion, Equifax). Take advantage of that right, and check for any inconsistencies or unusual transactions.
  6. Take advantage of electronic statements – If possible, sign up for electronic statements and check them regularly to make sure there’s nothing fishy going on. The information is available when and if you need it, and it keeps them out of the mail and the waste out of the garbage and recycling stream.

Did you know? Bunker Hill customers and their household family members have automatic identity theft assistance from Identity Theft 911®, a leading firm in identity management and fraud education. Visit our website for more info about this convenient service.

Headquartered in Boston, Bunker Hill Insurance provides home insurance to customers in Massachusetts and Connecticut. Bunker Hill is a member of The Plymouth Rock Group of Companies, which together write and manage over $1 billion in homeowner’s and auto insurance throughout the northeast.

Stop Hackers in their Tracks with Identity Theft 911®

identity-theftIdentity theft, the unauthorized use of your financial or personal information to commit fraud, is the fastest growing white collar crime in the US, according to the U.S. Dept. of Justice.

Every year, approximately 8.6 million Americans, or 7 percent of US households, are hit by ID fraud, with an average loss of $4,930.

Our growing digital trails—thanks to online banking, shopping, social media posts and countless other web-based transactions and interactions—mean we’re even more vulnerable now to attack than ever.

Sunny States for Shady Swindlers: Top 5 States for ID Theft

Victims per 100,000 people

  1. Arizona – 149
  2. California – 139
  3. Florida – 133
  4. Texas – 130
  5. Nevada – 126

Source: USA Today

It doesn’t take much…Thieves don’t need much information to ruin your credit and cost you hundreds of hours of aggravation. All it takes in most cases is your name, birth date, and Social Security number, which can be simple enough to get if you don’t change your passwords frequently or shred your documents…and even then you’re not completely safe.

The past year has seen a sharp jump in tax return fraud, when thieves file bogus tax returns using stolen Social Security numbers and as medical records get digitized and go online, the potential exists for new, more vicious types of identity theft, ones that could cause incorrect diagnoses and treatments.

Did you know? As a Bunker Hill customer, your policy includes protection for you and your household family members with Identity Theft 911®’s identity management and fraud education services. Check out Bunker Hill’s Identity Protection Resource Center to find out how you can prevent identity theft before it happens.

Act fast. If you think you might be a victim of identity theft, call us right away at 888-472-5246. We’ll transfer your call to a fraud specialist who can help guide you through the resolution process. You don’t have to file a claim.

The Back Story

Want to find out more about this topic? Here are some additional links to longer reads on identity theft and what you can do to prevent it:

Identity Theft 911 services are not an insurance product. These services can assist you in preventing identity theft from occurring and to recover from identity theft, but they do not provide reimbursement for losses or out-of-pocket expenses incurred in connection with identity theft.

Headquartered in Boston, Bunker Hill Insurance provides home insurance to customers in Massachusetts and Connecticut. Bunker Hill is a member of The Plymouth Rock Group of Companies, which together write and manage over $1 billion in homeowner’s and auto insurance throughout the northeast.