I actually started carrying identity insurance a few years ago. I use
Lifelock.com and have been happy with them. I don't know if I would be having problems without it, but they do all of the routine maintenance around staying on top of things like stopping credit offers, making sure credit reports are ordered, and sending me alerts for possible breaches.
They also provide legal services if something were to happen. Given how much damage and loss could occur if my identity were to be stolen, I like having some peace of mind. Compared to things like car or home insurance it's dirt cheap and for me falls in the same category. There are several companies out there offering similar services.