Geen verborgen clausules, geen kleine lettertjes die u pas achteraf ontdekt. Elke lijn hieronder toont wat de dekking activeert, een voorbeeld dat gedekt is en een dat niet gedekt is. Schakel over naar polistermen wanneer u de formele bewoording wilt.
Dit zijn de dekkingslijnen achter Personal Guard. De keuzeknop wisselt tussen klare taal en polistermen; de betekenis verandert nooit.
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.
Limieten gelden per formule, niet per lijn. De totale limiet van elke formule staat in de vergelijking hieronder en blijft altijd onderworpen aan de voorwaarden van de uitgegeven polis.
Dezelfde lijnen, een ander bereik. Totale limieten en prijzen komen rechtstreeks uit de actuele catalogus.
| Dekkingslijn | Silver $49 / month | Gold $75 / month | Platinum $330 / month | Diamond $1,125 / month | Diamond + $22,250 / month |
|---|---|---|---|---|---|
| Totale dekking | $250K | $500K | $2M | $5M | $5M |
| Identity theft and recovery | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Cyber ransomware and extortion | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Online fraud and cyber crime | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Cyber bullying and counseling | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Cyber breach events and data recovery | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Cyber security and privacy liability | Niet inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
| Online reputation and data broker deletion | Niet inbegrepen | Niet inbegrepen | Inbegrepen | Inbegrepen | Inbegrepen |
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.
Elke lijn hierboven toont naast het gedekte voorbeeld ook een niet gedekt voorbeeld, zodat u de grenzen ziet voor u koopt. Het laatste woord ligt altijd bij de uitgegeven polis, nooit bij een marketingpagina.
In de Verenigde Staten en de Europese Unie, via de formules die hierboven voor uw regio worden getoond. Dekking, limieten en beschikbaarheid verschillen per rechtsgebied en zijn onderworpen aan de voorwaarden van de uitgegeven polis.
Uw conciergeteam neemt de claim van de eerste melding tot de afhandeling voor zijn rekening. U meldt het één keer, een echt persoon neemt het over, en u volgt de status in uw dashboard.
Dat hangt af van wie u wilt beschermen. Vergelijk de formules hierboven, bekijk alle details op de prijzenpagina, of start een offerte en krijg een aanbeveling op maat van uw gezin.
Nee. Uw scanscore is louter context over uw beveiliging. Die bepaalt nooit uw prijs, uw formule of uw toegang tot dekking.
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.