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Most identity theft protection is sold to one person at a time. That is backwards if you have kids. A child’s Social Security number is the most valuable identity document in the house: no credit history attached, nobody checking it, and the fraud usually surfaces ten years later when your teenager applies for a first credit card and gets denied.
The FTC logged more than 1.3 million identity theft reports in 2025. Data from the Identity Theft Resource Center shows child identity theft up roughly 40% between 2021 and 2024, and industry research puts the rate at about one in fifty US children per year.
2026 is the first year family plans are genuinely worth comparing. Coveron — the service formerly known as NordProtect — launched Family and Couples plans this spring, and the gap between “protect yourself” and “protect the whole household” has narrowed to a few dollars a month.
Quick verdict (TL;DR)
- 🏆 Best for most families: Coveron Full Family Protection — up to 5 adults and unlimited children in one plan, 3-bureau credit monitoring, up to $2M in identity theft recovery. Cheapest verified family plan: $24.99/month on a two-year term ($27.99 on one year). Check Coveron family pricing →
- 💰 Best for device-heavy households: Aura Family — same 5-adult structure plus VPN, antivirus, password manager and parental controls for 50 devices, and up to $5M in insurance. $32/month billed annually.
- 🛡️ Best if you already pay for Norton: LifeLock Advanced (2 adults + 10 children) — $40/month billed annually, up to $1.2M per adult, works with the Norton 360 you may already run. See Norton 360 with LifeLock →
- Skip if you live in New York: Coveron is not available there.
How we picked
- Seat count — how many adults and children are covered at no extra cost.
- What children actually get — full monitoring and insurance, or just a dark-web scan on an email address. This is where cheap family plans cut corners.
- Insurance structure — headline number, deductible, per-category caps, and whether the limit is per person or shared across the household.
- Credit coverage — one bureau or all three, reports or only score alerts.
- Price at family scale — monthly versus one-year and two-year rates, and what happens at renewal.
- Extras people use — device security, parental controls, data-broker removal.
Pricing was checked on vendor and retail plan pages in September 2026. Specs were cross-checked against each service’s own documentation and Security.org’s independent 2026 testing (LifeLock 9.8/10, Aura 9.7/10, Coveron 9.5/10).
Coveron Full Family Protection — best family plan for most households
$27.99/month on a 1-year term ($335.88) · $24.99/month on a 2-year term ($599.76) · 5 adults + unlimited children
Coveron is the identity protection service built by the Nord Security team (the NordVPN company). NordProtect became Coveron on 26 May 2026 — same product, same team, new name. The rebrand also brought household plans: Full Couple Protection (2 adults) and Full Family Protection (5 adults), both with unlimited children under 18.
What the Family plan includes:
- Five adult members plus unlimited children, one subscription, one dashboard. Only the account owner can see a child’s data, which is the right default.
- 3-bureau credit monitoring (TransUnion, Equifax, Experian) with a TransUnion VantageScore, new-account alerts and a credit lock.
- Up to $2,000,000 in identity theft recovery, plus separate limits that do not eat into it: $50,000 cyber extortion, $25,000 home title fraud, $10,000 online fraud.
- Criminal records monitoring (2,800+ US jails) and malware breach alerts — one of the few services that links a device infection back to the leak it came from.
- Bundled NordVPN, antivirus and Incogni data removal — the family plans sit on the Full Protection tier.
- 30-day money-back guarantee (no free trial); refunds processed in live chat.
The honest catch: children on the Family plan get dark web monitoring only — not the full monitoring and recovery package adults get. The $2M limit is shared across the household, there is a $100 deductible per incident, and reimbursement categories carry caps (lost-wage reimbursement sits well below the headline figure). Coveron is US-only, New York excluded.
None of that changes the price math. For five adults and unlimited kids, nothing else comes close.
Check Coveron family pricing →
Aura Family — best if you want device protection bundled in
$32/month billed annually ($384/year) · $50/month billed monthly · 5 adults + unlimited children
Aura is the most complete bundle here and the only plan that insures children rather than just monitoring them. Family covers five adults and unlimited children with up to $5 million in insurance — $1 million per adult, $1 million per child.
Where Aura pulls ahead:
- Child SSN monitoring across public records, court filings and DMV data, plus the option to freeze a child’s credit until 18.
- 3-bureau credit monitoring, annual credit reports from all three bureaus, monthly VantageScore.
- Device security for up to 50 devices (10 per adult): VPN, antivirus, password manager, safe browsing, parental controls with cyberbullying alerts.
- 14-day free trial and a 60-day money-back guarantee on annual plans.
Where it falls short: $32/month only exists if you pay annually — month-to-month is $50, roughly double Coveron’s two-year rate for the same household shape. It is also a heavier setup than a pure monitoring service: five people, fifty devices, parental controls and a vault. Households that only want alerts pay for software they will not use.
LifeLock Advanced (2 adults + 10 children) — best for Norton households
$40.00/month billed annually ($479.99 first year) · $47.99/month billed monthly · 2 adults + 10 children
LifeLock is the best-known name in the category, and since the Norton merger it doubles as a device security bundle: LifeLock plans with Norton 360 add antivirus, VPN and dark web monitoring for the family’s machines. The relevant family tier is Advanced — two adults and up to ten children.
- Up to $1.2 million coverage per adult and up to $1 million per child, plus $25,000 stolen funds reimbursement per adult on entry tiers.
- Credit monitoring, dark web scanning, crime alerts, lost wallet protection, instant credit freeze.
- On individual plans a child can be added for $5.99/month instead of buying a second adult seat.
- 30-day free trial and a 60-day money-back guarantee on annual plans.
The problems are structural. LifeLock gives you two adult seats, so grandparents or an adult child at home are out — Coveron and Aura give you five. And the intro price is an intro price: the annual plan renews at $479.99, roughly 30% more in year two. Credit reporting is also narrower: 3-bureau monitoring only appears on the higher tiers. See our Norton/LifeLock review for the wider ecosystem — and if your house already runs Norton 360, bundling is the cheapest route to family coverage. See current LifeLock with Norton 360 plans →
Worth a look — cheaper family tiers
- Identity Guard — up to 5 adults and unlimited children, up to $1M insurance per person, weaker on device security.
- Experian IdentityWorks — family tiers roughly in the $15–$35/month band, up to 10 minors at no extra cost.
Neither matches Coveron on price-per-adult or Aura on device security. We have no affiliate programme for either, so they are named as alternatives rather than as recommendations we are paid for.
Comparison table
| Plan | Adults / children | Price (annual billing) | Insurance | Best for |
|---|---|---|---|---|
| Coveron Full Family | 5 adults + unlimited kids | $24.99/mo (2 yr) · $27.99/mo (1 yr) | Up to $2M, shared, $100 deductible | Best value for most families |
| Coveron Full Couple | 2 adults + unlimited kids | $15.99/mo (2 yr) · $17.99/mo (1 yr) | Up to $2M, shared | Couples who need two seats |
| Aura Family | 5 adults + unlimited kids | $32/mo ($50 monthly) | Up to $5M ($1M per adult, $1M per child) | Best bundle with device security |
| LifeLock Advanced (family) | 2 adults + up to 10 kids | $40/mo ($47.99 monthly) | Up to $1.2M per adult, $1M per child | Norton 360 households |
| Identity Guard / Experian IdentityWorks | 2–5 adults + up to 10 kids | roughly $15–$35/mo | Up to $1M per person | Credit-first monitoring |
What no family plan does for you
Family plans detect and reimburse. They do not prevent — and every vendor here leans on that gap. Whatever you buy, do these four things first, because they are free:
- Freeze your children’s credit files at all three bureaus. A frozen file cannot be used to open credit, which kills the most common child fraud at the source.
- Request a manual SSN search at each bureau to check whether a file already exists for your child.
- Get an IRS Identity Protection PIN for every adult, so nobody files a tax return in your name.
- Freeze your own credit, and use a shared password manager so one leaked password does not unlock the household. Here is how to spot the phishing that starts most of this.
For the vocabulary — what counts as identity theft versus fraud, and why the two are reported differently — see our explainer on what identity theft actually is.
How to choose
- Three or more adults at home: Coveron Full Family or Aura Family. Both give you five seats; LifeLock gives you two.
- Cheapest possible family coverage: Coveron Full Couple, $15.99–$17.99/month for two adults plus unlimited children — less than half of LifeLock’s equivalent shape.
- Your children’s SSNs are the main worry: Aura. Child SSN monitoring and per-child insurance beat Coveron’s dark-web-only child coverage.
- You already run Norton 360: LifeLock Advanced, with the bundle discount rather than buying separately.
- You only care about your own alerts: skip family plans. Single-user monitoring plus free credit freezes does most of the work.
FAQ
Does family identity theft protection cover children?
Yes, but not equally. On Coveron’s family plans children get dark web monitoring only. Aura covers children with SSN monitoring and up to $1M insurance each. LifeLock covers up to 10 children, $1M each.
How much should a family plan cost in 2026?
Two adults plus children sits in the $16–$48/month range. For five adult seats, Coveron ($24.99–$27.99) and Aura ($32) are the lowest full-family rates we could verify — anything above $40/month for two adults needs to justify itself with device security or much higher insurance.
Are the insurance limits per person or per household?
It varies, and it matters more than the headline number. Coveron’s $2M is shared across the household. Aura’s $5M breaks down to $1M per adult and $1M per child. LifeLock quotes up to $1.2M per adult on its family tier. Check the deductible too: Coveron charges $100 per incident.
Can I add grandparents or an adult child?
With Coveron and Aura, yes — five adult seats. LifeLock family tiers cover two adults only; more adults need their own subscription.
Is Coveron the same as NordProtect?
Yes. Nord Security rebranded NordProtect to Coveron in May 2026 — same product, same team, same features. Existing subscribers were migrated automatically.
Verdict
For most households the pick is Coveron Full Family Protection: five adults, unlimited children, three-bureau credit monitoring, criminal records monitoring and up to $2M recovery insurance for $24.99–$27.99/month. Child coverage is thinner than Aura’s and the insurance limit is shared, but nothing else protects this many people for this price. Start with Coveron →
Take Aura Family if you want the family’s phones and laptops cleaned up in the same purchase. Take LifeLock Advanced if you are already inside the Norton ecosystem and want one invoice. Whichever you choose, freeze the kids’ credit today — that part is free and stops more fraud than any subscription.
Last updated: September 2026. Prices are approximate list rates collected from vendor plan pages and retail listings (verified September 2026); family plan pricing varies with seat count, term length and promotions, so confirm the current rate at checkout before you commit.