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HSB Home Cyber Protection

Cyber risk insurance for homeowners

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    Cybersecurity coverage for today’s consumers

    Personal lines insurers can protect their policyholders from evolving cyber risks and help them get their lives back if they become a victim of cybercrime.

    HSB Home Cyber Protection

    The biggest risks for a home are the ones you cannot see. And today’s connected home, coupled with our reliance on the internet, creates a world full of unseen cyber risks. With HSB’s Home Cyber Protection, you can help your policyholders understand, avoid, or minimize these risks and get back to normal quickly if they do experience a cybercrime.

    Comprehensive coverage 

    HSB Home Cyber Protection provides your policyholders with a suite of cyber coverages that can protect their families from emerging and ever-present cyber risks. Besides coverage for online fraud, home systems attack, data breach, home title fraud, social media income interruption, computer attack, cyber extortion, and identity theft, HSB Home Cyber Protection also offers innovative coverage for cyberattacks to autos and digital wallets, as well as mental health and financial counseling services needed after a cyberattack, expanded coverage for cyberbullying and online harassment, and coverage for SIM swapping scams.

    Services to increase cyber security

    Policyholders will also have access to cybersecurity services such as ID theft protection, dark web and credit monitoring, and a suite of risk management services, to make them more secure in their daily lives. If needed, they can access cyber extortion experts, data breach service providers, and our identity recovery helpline.

    Privacy protection for homeowners and renters

    HSB Home Cyber Protection extends renters and homeowners insurance to cover losses that stem from compromised data on personal computers, mobile devices, and other connected technology, as well as damage to software and operating systems.

    HSB Personal Cyber Risk Services

    Digital image representing data network protection and insurance business security
    HSB provides cyber risk management services to help homeowners and renters prevent cyber attacks before they occur.
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    What a loss can cost

    Personal cyber risks are changing and increasing constantly. That’s why it is so important to understand the cyber security exposures consumers face and how cyber insurance can help. 

    Claim examples

    Computer takeover

    One minute, Gail was on a call with her “bank,” discussing suspicious activity on her account. Reassured by the “representative,” she allowed access to her computer — only to find herself locked out moments later. With all her files frozen and a demand for $10,000 flashing on her screen, Gail was panicked. Thankfully, she’d recently added HSB’s Home Cyber Protection to her homeowners policy.

    Cyber fraud

    Mrs. Andrews received an alarming call from an “attorney,” explaining her grandson had been in an accident and needed money for legal fees immediately. Anxious to help, she followed the instructions and wired funds, only to find out later it was all an elaborate scam. The fraudsters had used her love for her grandson to drain her savings. Fortunately, HSB’s Home Cyber Protection plan covered the situation.

    Phishing scheme

    Vince received a seemingly urgent email from his “cell phone company” about an unpaid bill, complete with a link to click. Without a second thought, he followed the link and made a payment — but soon noticed his phone stopped working and his accounts were compromised. His payment information had been used by cybercriminals, causing headaches across his accounts. Luckily, HSB’s Home Cyber Protection coverage was in place to help Vince get everything straightened out and cover his financial losses.

    Why trust HSB for personal cyber insurance

    20
    Years
    HSB has been offering cyber insurance and providing cyber risk management for nearly 20 years.
    24/7
    Claims
    Our dedicated cyber claim specialists are available to help when your clients need it most.
    Top 10
    Insurer
    HSB is among the top ten admitted cyber insurers in the United States.
    A++
    Rated
    HSB is rated A++ (Superior) by A.M. Best Company, the largest credit rating agency in the world specializing in the insurance industry.

    Additional home cyber information

    Download
    Home Cyber Protection claims vignettes
    PDF, 1 MB

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    Protect your clients from emerging cyber risks with HSB Home Cyber Protection

    As cyber risks increase and evolve, more of your personal lines policyholders will be exposed to potentially devastating consequences. With HSB Home Cyber Protection in your insurance program, you can help protect them from cyber crime and get them back to their regular lives if something happens.
    Contact us Download product sheet