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R&R Insurance Blog

Is Smart Technology Putting You At Risk?

Posted by the knowledge brokers

Identity TheftAccording to CNN, identity fraud hits a new victim every two seconds.


A new report from Javelin Strategy & Research has also found that the number of identity fraud victims jumped to 13.1 million in 2013, an increase of 500,000 from 2012. There is no denying that Americans today are at an increasingly high risk of having their identity stolen. When you add data breaches into the mix, like the ones involving Target and Home Depot, taking appropriate measures to protect your identity has become a critical part of securing your financial future.


Not sure where to start? Here are a few of our favorite tips on how to avoid identity theft:

  • Pay attention to security breach notifications.
  • Watch your credit cards and bank accounts.
  • Don't give out your social security number unless it's a must!
  • Keep your anti-virus software up to date on all devices --don't forget your phone!
  • Put a password on your phone & computer and make it a strong one. Mix up the letters and numbers and make it difficult! It may be inconvenient initially but it takes victims about 30 hours and $500 to resolve identity fraud.
  • Be careful what you're telling your "friends" on social media websites and who the information is available to! Scammers could be reading when you're going on vacation or collecting your personal data (dates of births, mother's maiden names, addresses etc.)
  • Be careful what personal information you store on your devices and if you can -- don't store it.
  • Leave your un-needed credit cards, social security card, birth certificate, and passport at home.
  • Make sure you know who is on the other end of a call when you're giving out your personal information before you give it out.
  • Where there's smoke - there's fire; if something sounds too good to be true, it probably is a scam.


See also 5 Lessons Learned from the Home Depot Data Breach


Still feeling unsettled? Ask your knowledgebroker about how to add Identity Theft Protection to your personal insurance policy.

Topics: Personal Insurance, identity fraud, protect personal information on a smart phone, smart phone, social media

8 Ways to Protect Yourself On Social Networks

Posted by Resource Center

We saw a great article written by Russ Banhan of Independent Agent magazine, about personal and business exposures from the use of social media. Here's eight ways to reduce your exposure:

1. On Facebook and other social media sites, take advantage of the highest security settings and only allow "friends" - not "friends of friends" - to see your profile.

2. When creating a profile, choose a different year of birth than your actual one.

3. Be parsimonious with your "friendships": if you don't know the person in the real world, do not friend them in the cyber world.

4. Make sure that your friend really is who he/she says he/she is. Follow up your friend requests with an e-mail, text or phone call.

5. Make your children friend you. This enables you to watch them, and them to know that you're watching.

6. Don't post or tweet your location or when you're going to be any place specific, to reduce the chance of being burglarized.

7. Search for yourself using search engines like Google and people search sites like Pipl to find out what is being said about you, and then contact websites that have posted inaccurate or personal information to have it removed.

8. Consider investing in online repuatation management services that will monitor the Internet for information about you.

Information taken in part from an article by Russ Banham.

See also: Cyberbullying and Age-Based Guidelines For Children's Internet Use

Topics: Personal Insurance, Schools, business exposures, Resource Center, Russ Banham, online reputation, Facebook tips, personal exposure, personal profiles, social media, Independent Agent Magazine, reduce your exposure