Personal cyber
A connected household has risks that property coverage was not designed to solve.
Coverage varies widely and may be offered by endorsement or separate policy.
Identity restoration
Services and expense coverage can help restore records after identity theft, subject to definitions and limits.
Cyber fraud
Some programs address specified phishing, wire fraud or online purchasing losses, but exclusions and verification requirements matter.
Extortion and harassment
Coverage may include expert assistance for cyber extortion or online harassment under defined circumstances.
Prevention
Multi-factor authentication, unique passwords, software updates, backups and payment verification remain essential. Insurance is not a substitute for controls.
Complete household protection