Home Cyber Protection

What is Home Cyber insurance?

Home Cyber is an endorsement that protects your household from the financial fallout of cyber threats — identity theft, online fraud, ransomware, cyberbullying, and data breaches. It covers the costs to recover, from restoring your identity and systems to legal expenses and reputation management support.

Doesn't my homeowners insurance already cover this?

Almost never. Standard homeowners policies focus on physical property and typically exclude cyber losses like stolen funds, ransomware, or identity theft. Home Cyber is designed specifically to close that gap.

What happens if my identity is stolen?

You get hands-on help, not just a payout. Coverage includes identity theft restoration services that guide you through freezing credit, disputing fraudulent charges, and restoring your accounts — plus reimbursement for covered expenses and fraudulent financial transactions.

Does this cover my smart home devices?

Yes, when a covered cyber event is involved. If your connected devices are compromised in a cyberattack, Home Cyber helps with data recovery and system restoration. Ordinary hardware failure that isn't caused by a cyber event isn't covered.

How much does Home Cyber coverage cost?

It depends on your home, your systems, and the coverage limit you choose. Because it's an endorsement on your existing policy rather than a standalone policy, it's typically a small addition to your annual premium. Your agent can give you an exact quote.