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From category archives: Florida Peninsula

Identity Theft

Keeping your Identity Secure Over the Holidays

Around this time of year, the holiday sales are at their prime while everyone is gearing up to buy presents, decorations, and other goods. Criminals count on the holidays to find easy targets for scams and theft. Here are a few things to look out for:   Keep an eye on your receipts and statements:  It’s a great reference to verify unknown charges on one of your accounts. Should something appear incorrect, contact your bank immediately.   Charity Scams: Do your research before donating to a charity, especially during the holiday season. If you’ve never heard of it before, it is best to do a quick search online to be sure it is credible. This is often the time of year where we see a rise in charity scams.  If you’d like to give back this holiday season, contact the charity of your choice directly to find out how you can donate, or volunteer with their organization.   Protect Yourself Online:  When shopping online, try to shop at reputable sto ...

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National Cyber Security Awareness Month

October is National Cyber Security Awareness Month. Created by the U.S. Department of Homeland Security and the National Cyber Security Alliance, Cyber Security Awareness Month serves to bring awareness to the increasing risk of your personal data being hacked online.   Living in an ever-changing digital world, it is crucial you take steps to guard your personal information online. Here are some tips for increasing your cyber security: Be cautious about what you click on Avoid sending or storing personal information on your cell phone, tablet, laptop, and computer Do not use untrustworthy public wireless hot-spots Never leave your devices unattended Update your computer software with the latest security Avoid suspicious emails and phone calls We hope you follow these tips to prevent your personal data from becoming hacked. Should you fall victim to identity theft online, Florida Peninsula Insurance Company stands ready to assist you. We offer protection ...

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National Identity Fraud Awareness Week

August 7th to 13th is National Identity Fraud Awareness Week. According to the iii, there were 16.7 million victims of identity fraud, resulting in $16.8 billion stolen in 2017. Identity theft continues to be on the rise and it is important you take precautions to lower your risk of falling victim. Consider these 5 tips for identity theft prevention: Secure your Social Security number. Shred receipts, credit offers, account statements and expired credit cards. Install firewalls and virus-detection software on your computer. Create complex passwords for all your personal accounts. Review your credit report annually to make sure it does not include accounts you are unaware of.   Should you fall victim to identity theft, Florida Peninsula Insurance Company stands ready to assist you. We offer our policyholders with protection against identity theft for a minimal annual cost of $25. This ID theft protection will restore your credit to the level it was p ...

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Prevent Identity Theft Over the Holiday Season

The holiday season is undoubtedly one of the busiest shopping times of the year. As such, purchases made during this busy time of year could expose you to hackers and scammers looking to steal your identity and drain your bank account. Consider the following tips to protect your information, and wallet during this holiday season: Purchase items using cash or credit cards to limit the use of your debit card. It is much easier for hackers to obtain your information from online purchases. If possible, shop in-store rather than shopping online. If you are doing some online shopping, be sure your computer is equipped with antivirus software and firewalls. Shred any documents containing personal information, such as your social security number, driver's license number, bills, and bank statements. Give yourself the gift of identity theft coverage. Florida Peninsula offers an economical endorsement which can be added to their policies providing assistance if you ever ...

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What is Synthetic Identity Fraud?

    Synthetic Identity Theft is a type of fraud in which a criminal combines real and fake information to create an entirely new identity. This identity is then used to open fraudulent accounts to make fraudulent purchases. This makes it easier for criminals to steal money from credit card companies and lenders who extend credit based on the fake identity. This way, they are not stealing from actual people making it a lot harder to get caught.   Banks are usually the victims of synthetic ID fraud since most of the information these criminals provide is legitimate, such as a real name (but a stolen social security number). After all the purchases are made and they use up all of the credit, it’s the credit card companies who pay the price, since they cannot collect payment from the fake identity who established the account. This is a very tricky situation to handle.   Synthetic identity fraud has become one of the most common types of fraud, yet the most difficult to catch, and ...

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Protect Yourself from ID Theft

    Identity theft is a serious crime which happens when someone uses your personal information without your consent to commit fraud or other crimes. Personal information includes things like your name and Social Security, or credit card numbers. ID theft can happen anywhere, at any time. Fortunately, there are some simple ways to lower your risk of becoming a victim.   1.  Always verify who you are speaking to over the phone: Remember, banks or creditors will never call you randomly and ask you to verify your credit card numbers or social security numbers. This only happens when you are the person calling trying to get information about your account. Always search online directly through your bank or creditor’s website to obtain their official contact numbers. Never dial a number from a third-party. To be even safer, go directly to the branch to solve any issues you may have.   2.  Handle financial documents with care: If you need to throw away documents ...

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