Family Cyber Protection

What is covered?

Family Cyber Protection includes coverage for several types of cyber-related events that can impact your household, including:

• Social engineering incidents, such as deception that leads to an insured transferring money.
• Cyberbullying, including costs resulting from professional counseling, temporary relocation, tuition expenses or tutoring costs.
• Identity theft and the costs associated with reinstating credit cards, passports and other important documents.
• Internet cleanup and costs associated with removing false statements on the internet or in the media. 
• Data breach, including expenses associated with the notification, investigation and monitoring in the event of a breach.

Additional benefits 

In addition to the events above, there is also a $2,500 combined sub-limit for: 

• Online extortion threat, including expenses or ransom paid for threats to create a home network disruption or privacy breach. 
• System compromise, including certain costs to restore systems and replace damaged data.

Real-life scenarios

Credit card scam

A family member discovers their personal information has been used fraudulently to open a credit card. This protection may help reimburse certain costs to respond to the identity theft, such as credit report fees and approved professional services.

Cyberbullying incident

A student experiences online harassment that results in diagnosed emotional distress and missed time from school. This protection may help cover professional counseling and tutoring costs associated with the harassment.

Ransomware

A homeowner receives a credible demand threatening disruption of a home computer system unless payment is made. The homeowner sends money for the demand. This protection provides the homeowner with up to the $2,500 sub-limit for the ransom paid.

What isn’t covered?

This coverage is designed for certain cyber-related events. It doesn’t apply to every online issue or loss, including:

• Mass events, typically publicized by the media or identified by the federal or state government 
• Business-related activities
• Wrongful, dishonest or fraudulent activities by the policyholder
• Fines, penalties, taxes or third-party liability claims against the policyholder

Is this coverage right for you?

Family Cyber Protection can be a good fit if you want coverage that helps with the costs of responding to certain cyber events, such as scams, identity theft, online harassment or device compromise.

It may be a good fit if:

• You want help paying for covered response and recovery expenses after certain cyber incidents
• Your household regularly shops, banks, works or learns online, and you’d like extra protection for digital risks
• You want coverage that can support your family members if they’re impacted by eligible cyber events

Family Cyber Protection is included with Signature condo and renters policies and can be removed or downgraded to identity theft coverage. It can also be added to any Essential, Advantage or Signature homeowners policies. If you have questions about what’s included and what limits apply, an Amica representative can help.