If you have your homeowner’s insurance with MetLife, Clark has some good news for you. The company is now offering free ID theft help as part of your policy. The first two states to try this out are Florida and New York, but it will probably expand across the country. That’s good news because, as an adult, you have a one in 15 percent chance of having your identity stolen. So, this is the real coverage from an insurance company. MetLife is actually hiring an outside company that will prepare your affidavits and contact police for you. Hopefully, more insurance companies will join MetLife. But in the meantime, it’s up to banks, credit card companies and retailers to protect its customers and create some legislation with some real teeth in it. We’ll see how it works and let you know!