No buried riders, no decoder ring. Each line below shows what triggers it, one example that is covered and one that is not. Flip to policy terms whenever you want the formal wording.
These are the coverage lines behind Personal Guard. The control swaps the phrasing between plain English and policy terms; the meaning never changes.
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.
Limits are set per tier, not per line. Each tier's aggregate limit is shown in the comparison below and is always subject to the terms of the issued policy.
Same lines, different reach. Aggregate limits and prices come straight from the live catalog.
| Coverage line | Silver $49 / month | Gold $75 / month | Platinum $330 / month | Diamond $1,125 / month | Diamond + $22,250 / month |
|---|---|---|---|---|---|
| Aggregate cover | $250K | $500K | $2M | $5M | $5M |
| Identity theft and recovery | Included | Included | Included | Included | Included |
| Cyber ransomware and extortion | Included | Included | Included | Included | Included |
| Online fraud and cyber crime | Included | Included | Included | Included | Included |
| Cyber bullying and counseling | Included | Included | Included | Included | Included |
| Cyber breach events and data recovery | Included | Included | Included | Included | Included |
| Cyber security and privacy liability | Not included | Included | Included | Included | Included |
| Online reputation and data broker deletion | Not included | Not included | Included | Included | Included |
Household cyber insurance is no longer a niche. The closest product to Personal Guard, Cyberboxx Home from BOXX Insurance, writes a household policy that affirmatively covers online fraud, AI-enabled scams and deepfake impersonation, identity theft and recovery, cyber extortion, home title fraud and cyberbullying, with Equifax identity monitoring and a 24/7 incident team bundled in. It is a serious product, and it is the right comparison to hold us against.
Most households that carry any cyber protection at all carry less than that: an identity-theft rider attached to a homeowners policy. A typical rider reimburses the expense of restoring your identity after a theft has already happened. It responds to a single peril, after the fact, and it includes no one who watches, answers or acts for your household before the loss.
The most common choice is still no protection at all. When something goes wrong, the loss lands where it falls, and the figures published elsewhere on this site are blunt about the size of that exposure: attacks on high net worth families range from $500K to $10M+ in losses.
Personal Guard starts from the same conviction that household cyber risk deserves a real policy, then adds the part we believe matters most: an active layer. Always-on monitoring that maps the devices on your network, checks your emails against known breaches, and verifies your social handles. A 24/7 concierge with a median pickup of 47 seconds that owns an incident end to end. And up to $5M in layered capacity underwritten by Tokio Marine and Chubb, placed through licensed brokers. Coverage responds to what has already happened. The active layer works on what has not happened yet.
Insurance coverage is provided on a layered basis by A-rated carriers. The first $2,000,000 of coverage is underwritten by Tokio Marine; the layer above $2,000,000 up to the $5,000,000 limit is underwritten by Chubb. Policies are placed through SYBA’s licensed insurance brokers (EPIC Insurance Brokers & Consultants in the United States). Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.
Every line above shows a not covered example next to its covered one, so the boundaries are visible before you buy. The final word always belongs to the issued policy, never to a marketing page.
In the United States and the European Union, through the tiers shown above for your region. Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.
Your concierge team owns the claim from first report to resolution. You file once, a real person takes it from there, and you follow the status from your dashboard.
It depends on who you are protecting. Compare the tiers above, see full plan details on the pricing page, or start a quote and get a recommendation based on your household.
No. Your scan score is security context, nothing more. It never sets your price, your tier or your eligibility.
SYBA is not licensed as an insurance agency or third-party administrator in any jurisdiction. We do not engage in the solicitation of insurance. For any questions regarding insurance, for Europe please contact customer.service@syba.io. For USA please contact EPIC Insurance Brokers & Consultants: clientserviceinquiry@epicbrokers.com or +1 (407) 378 6203.
Insurance coverage is provided on a layered basis by A-rated carriers. The first $2,000,000 of coverage is underwritten by Tokio Marine; the layer above $2,000,000 up to the $5,000,000 limit is underwritten by Chubb. Policies are placed through SYBA’s licensed insurance brokers (EPIC Insurance Brokers & Consultants in the United States). Coverage, limits and availability vary by jurisdiction and are subject to the terms of the issued policy.