Every coverage line, explained in plain English.

If your identity is stolen, the team helps you recover it and covered losses are handled under the policy.

Assistance with covered losses after your identity is stolen and funds are taken.

An identity theft event that began before your coverage started.

If ransomware locks your devices or someone extorts you over a cyber event, the policy responds.

Ransomware locks a family computer and a ransom demand follows; the case is handled under the policy.

An extortion threat with no underlying cyber event behind it.

If money is stolen from you through online fraud or another cyber crime, this is the line that responds.

Funds are stolen from your account in an online fraud or cyber attack and the covered loss is handled under the policy.

A purchase you authorized yourself and later disputed with the merchant.

If someone in the household is targeted by cyberbullying, counseling support is part of the cover.

Counseling support after a child in the household is targeted by cyberbullying.

Disagreements between household members that involve no outside party.

If a cyber breach event hits your household, the policy covers the response and recovering your data.

Recovering household data lost in a covered cyber breach event.

A hard drive that fails on its own, with no cyber event involved.

If a cyber event in your household creates a privacy or security liability claim against you, the policy responds.

A privacy liability claim against you that arises from a cyber security event in your household.

A liability claim that does not arise from a cyber security or privacy event.

Your online reputation is scored and monitored, and deletion requests go out to data brokers holding your records.

An ongoing Online Reputation Score for the household plus deletion requests to data brokers holding your records.

Removing truthful press coverage or public court records.