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Does Your Homeowners Insurance Cover Cyber Attacks?
By Insurance Blog
December 1, 2023
December 1, 2023
From your smart watch and your smartphone to your home security system, you may be more vulnerable to cyber attacks than you even realize. Here’s what you need to know about personal cyber insurance, including our Grange Insurance Association Home Cyber Protection endorsement, available now throughout Washington.
Does Your Homeowners Insurance Cover Cyber Attacks?
Most Homeowners insurance policies do not cover cybercrime; however, many insurance companies, including Granwest, offer some form of personal cyber coverage as an endorsement in eligible states.
What is Cyber Insurance?
Personal cyber insurance is a type of coverage that protects you against things like identity theft, cyber attacks, cyber extortion, cyberbullying, and other cybercrimes. While cyber insurance doesn’t prevent bad actors from committing cybercrimes, it does offer you financial compensation in the event that you’re targeted. In addition to personal cyber insurance coverage, you’ll want to make sure you’re following cybersecurity best practices like turning on multifactor authentication, using strong passwords, and making sure your software is updated.
What Does Cyber Insurance Cover?
Personal cyber insurance policies are relatively new and different policies will likely include different coverages. That said, cybersecurity insurance tends to cover things like cyber attacks, cyber extortion, identity theft, data breaches, cyberbullying and deceptive transfer fraud. Like all insurance policies, you’ll want to take a careful look at your individual policy to make sure you understand coverage types, limits, sublimits, and deductibles.
Grange Insurance Association: Home Cyber Protection Highlights
Here’s what you can expect from our Home Cyber Protection policy, available now in Washington.
Online Fraud Coverage
Online fraud can take many different shapes, including identity theft, unauthorized use of a card, card number, or account number in an insured’s name, or a forgery of a check. Our personal cyber insurance covers direct financial loss to an insured resulting from an online fraud event like the ones mentioned above.
Cyber Attack Coverage
Any device that’s connected to the internet is at risk for a malware attack, including your computer, phone, tablet, and smartwatch, as well as connected smart home devices like security systems, smart speakers and smart thermostats. In the event of a cyber attack, our Home Cyber Protection policy covers data recovery costs and system restoration costs.
Cyber Extortion Coverage
When cybercriminals demand money based on credible threats to either damage, disable, deny access, or disseminate personal content, it can be tough to know what to do. That’s why your GIA Home Cyber Protection coverage doesn’t just pay out response costs, it also includes advice and consultation from knowledgeable professionals.
Home Title Fraud Coverage
Home title theft has been in the news lately, and there’s not much scarier than the thought of losing your home to identity theft. Your personal cyber coverage from Grange Insurance Association pays for necessary and reasonable home title fraud costs that arise due to the wrongful or fraudulent transfer of real estate property.
Identity Recovery Coverage
Nothing is more personal than your identity, which is why our cybersecurity insurance covers reasonable and necessary costs like legal and notary fees, as well as providing the services of a professional recovery case manager to help you sort through your identity theft event.
Cyberbullying Coverage
Cyberbullying coverage covers acts of harassment, intimidation, defamation, and invasions of privacy, as well as cyber threats of violence.
Social Media Income Interruption Coverage
If an account takeover or cyber attack leaves you unable to access or manage your social media platform(s), your Granwest Home Cyber Protection pays the cost, up to your limit, of any income interruptions.
Data Breach Coverage
You may not even realize how much of your personal data you have stored on your hardware and on the internet. That’s why our personal cyber insurance covers the costs associated with forensic IT and legal reviews, as well as notification and recovery services in the event that your private non-business data is lost, stolen, or published.
Ready to purchase your own personal cyber coverage? Reach out to your independent insurance agent today to learn more about our Grange Home Cyber Protection coverage. In the meantime, check out our insurance blog where we cover everything from what you need to know about umbrella insurance to why it may be time to revisit your home replacement cost.
The content available via Grange.com is for informational purposes only and may not be used for any other purpose. Content provided or expressed on Grange.com, including that of third parties, may not reflect Grange Insurance Association’s (GIA) policies or conform to any agreement you may have with GIA and its subsidiary companies. Please contact a licensed insurance agent to obtain particular advice.
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