Guides
How much does personal cyber insurance cost?
Syba’s personal cyber plans run from $49 to $2,250 a month, for $250K to $5M of cover, with every price published. Cheaper routes exist: NerdWallet (2026) reports personal cyber cover can start under three dollars a month as an add-on to home or renters insurance. The price follows the limit, the household and what the plan includes.
What do Syba plans cost?
Every Syba personal plan has a published monthly price and a coverage limit. They are listed below for the region you are reading from; the pricing page shows the same figures with the yearly option and who each plan covers.
| Plan | Cover | Per month |
|---|---|---|
| Silver | $250K | $49 |
| Gold | $500K | $75 |
| Platinum | $2M | $330 |
| Diamond | $5M | $1,125 |
| Diamond + | $5M | $2,250 |
What does a home-insurance add-on cost?
Less, usually, and for less. NerdWallet (2026) reports that personal cyber coverage can start at under three dollars a month when added to an existing home or renters policy. An add-on is set by your home insurer, so its limit, exclusions and the help on offer are theirs to define. Read them next to the plan you are comparing.
| Route | How it is priced | What to check |
|---|---|---|
| Add-on to home or renters insurance | Set by the home insurer | The limit, the covered events, who you call |
| Standalone personal cyber policy | A premium for the limit you choose | Exclusions and conditions to claim |
| Plan with a service included (Syba) | A published monthly price per plan | The limit per plan and what the team does |
What moves the price?
Four things move the price of personal cyber cover, on Syba plans and elsewhere.
The limit: more cover costs more.
Who is covered: one household, a complete family, single-member LLCs, household staff.
Add-ons: cryptocurrency cover, third-party liability, an assigned Personal Cyber Security Engineer, data broker deletion.
Region: Syba’s United States and European plans are priced and limited separately.
Is the cheapest price the right comparison?
Not alone. The National Cyber Security Centre (2020) advises asking what a policy covers and excludes, what services are included, whether it supports you during and after an incident, and what must be in place to claim. A price tells you the cost; those answers tell you what it buys.
Questions people ask next
What is the cheapest Syba plan?
The entry plan is $49 a month, with $250K of cover. The pricing page lists every plan, its limit and who it covers.
Is there a yearly price?
Where a yearly price exists, the pricing page shows it next to the monthly one. You may cancel any month with a prorated refund, as the pricing terms state.
Does the price include the 24/7 team?
Yes. The cyber team, the security app and training come with the plan, alongside the insurance.
Why is the highest plan so much more than the entry plan?
It carries a higher limit and more: an assigned Personal Cyber Security Engineer, device monitoring, data broker deletion for the family and cover for more people and properties.
Are prices the same in Europe?
No. Europe has its own plans, prices and limits, set separately from the United States. The table above follows the region you are reading from.
Sources
Every figure on this page names its publisher and year. Reviewed September 30, 2026.
Personal cyber insurance: complete guide
NerdWallet, 2026
National Cyber Security Centre (UK), 2020
See the plans and the price
Pick a plan, or book a call with the team.
Financial cover is subject to eligibility, jurisdictional availability and the terms of the issued policy. The exact carrier, broker, limits, terms and exclusions are stated in your quote and policy documents. Syba provides the membership, monitoring and response service and does not solicit insurance. European insurance enquiries: customer.service@syba.io.
Prices shown are in USD and are indicative. Final premium, coverage limits and eligibility are determined at the time of binding and vary by jurisdiction. Plans and pricing may change. You may cancel any month with a prorated refund.