In today's world, we are very connected by social media and technology. Most people rely on computers, security cameras, smart appliances (Alexa, Ring, Thermostats), and even online shopping every single day. However, these systems make us vulnerable by allowing cyber attackers to steal personal information and identities, invade the home, commit fraud, extort money, and even disrupt your personal life.

Home Cyber Protection coverage is a suite of innovative cyber coverages and devices that are designed to protect you and your family from these dangers.

Coverage Highlights

Online Fraud:

- If you are insured and receive direct financial loss as a result of fraud involving a home device, identity theft, forgery of a check, unauthorized use of a credit card, card number, or bank account number in your name will result in full coverage.

Cyber Attack:

-Data Recovery Costs- Covers the cost of a professional firm hired to replace electronic data that has been lost or corrupted

-System Restoration Costs- Covers the cost of a professional firm to restore the computing or connected home device to its level of functionality before the attack. This includes: replacement or reinstallation of software programs, removal of malicious codes, and reconfiguration of the device or system.

Cyber Extortion:

-If insured, you will receive professional assistance from experts in the subject for advice and consultation on how to respond to a threat

Home Title Fraud:

-Pays for the necessary and reasonable home title fraud costs arising from the wrongful of fraudulent transfer of real property

Identity Recovery:

-Costs Coverage- Covers reasonable and necessary identity theft costs, such as legal fees and notary fees

-Case Management Service: Provides services of an identity recovery case manager to respond to identity theft

Data Breach:

-Includes the costs associated with forensic IT and legal reviews as well as notification and recovery services when private non-business data entrusted to an individual is lost, stolen, or published

Frequently Asked Questions?!

Q: What is Home Cyber Protection Coverage?

A: Home Cyber Protection is a bundle of coverages and services built to respond to a variety of threats that homeowners and renters face living in vulnerable world of social media and technology. This can include computer and home system attacks, identity theft, online fraud, cyber extortion, cyberbullying, and even cyber threats that individuals may face.

Q: Why is this Coverage even Needed?

A: For many homeowners and renters, privacy and security are major concerns. These concerns are growing more and more every day because of:

Growth in connected home technology and smart devices has increased the need to protect personal data and software from computer attacks
Criminal activity threatens individuals with financial loss
Social media has created an environment of cyberbullying and victims' emotional wellbeing is threatened and significant costs may suffer
Criminals have the ability to steal an individual's identity to open credit accounts and commit fraud

Q: What Coverages are Included?

A:

Online Fraud
Cyber Attacks
Cyberbullying
Cyber Extortion
Identity Recovery
Data Breach

Q: What is Identity Theft?

A: Identity Theft is when someone illegally steals the identity of another individual. The culprit will use the victim's identity to:

-Make purchases whether it be in person or online

-Receive loans

-Undertake obligations

-Commit crimes

Q: When is Coverage Triggered?

A: It is required that the crime be discovered by the victim that is insured during the policy period and be reported to the insurance company within 60 days of the discovery.

Why is Home Cyber Protection SO Important?!

*In 2020, there were 800,000 complaints of cyber-crimes in the U.S. with a cost of 4.2 billion dollars! On average, that is about $5,300 per cyber-crime!

Home Cyber Protection