identityguard.com

What if you have multiple identity theft insurance policies? Let's say you subscribe to Aura, but you feel Identity Force is better at some other thing so you subscribe to both. Now you have two insurance policies. If you get hit, will they both point the finger at each other and say the other has to pay first? Edit - So it seems it depends on the terms of the insurance policy. I compared Identityguard to Identityforce. They are both underwritten by the same insurance company and the language is almost identical. In the event that you have another, they state that they become excess coverage (the most advantageous position for them). But if you have coverage through them on another product (if you have both identity Force and Identity Guard), they pay through both but not in excess of the total loss. I guess it would get hairy if you have two different plans that were insured by two different insurers who both state they become excess coverage. My guess is you would be at a total loss as they would both say their terms say they only pay out after the other insurer has paid out. Here is the link to Identity Guards terms [https://www.identityguard.com/legal/id-insurance-summary-1](https://www.identityguard.com/legal/id-insurance-summary-1) And identity force [https://www.identityforce.com/identity-theft/recover/summary-of-benefits](https://www.identityforce.com/identity-theft/recover/summary-of-benefits) If you search the page for "excess" you will find the section I am referring to.

What if you have multiple identity theft insurance policies? Let's say you subscribe to Aura, but you feel Identity Force is better at some other thing so you subscribe to both. Now you have two insurance policies. If you get hit, will they both point the finger at each other and say the other has to pay first? Edit - So it seems it depends on the terms of the insurance policy. I compared Identityguard to Identityforce. They are both underwritten by the same insurance company and the language is almost identical. In the event that you have another, they state that they become excess coverage (the most advantageous position for them). But if you have coverage through them on another product (if you have both identity Force and Identity Guard), they pay through both but not in excess of the total loss. I guess it would get hairy if you have two different plans that were insured by two different insurers who both state they become excess coverage. My guess is you would be at a total loss as they would both say their terms say they only pay out after the other insurer has paid out. Here is the link to Identity Guards terms [https://www.identityguard.com/legal/id-insurance-summary-1](https://www.identityguard.com/legal/id-insurance-summary-1) And identity force [https://www.identityforce.com/identity-theft/recover/summary-of-benefits](https://www.identityforce.com/identity-theft/recover/summary-of-benefits) If you search the page for "excess" you will find the section I am referring to.