Optional endorsement · Cyber protection

Protection for your digital and connected life

Home Cyber Protection is a suite of coverages and services built to respond to the threats families face in a digital, connected world, including cyber attacks, online fraud, identity theft, cyber extortion, and cyberbullying.

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  • 7 coveragesFrom online fraud and identity recovery to cyberbullying and data breach
  • Case managementAn identity recovery case manager to help respond to identity theft
  • 24/7 claimsCyber claims service from Orange’s reinsurance partner, HSB

Why it matters

Why this coverage matters

Privacy and security are major concerns for families, and those concerns are growing.

  • Connected home technology and smart devices have increased the need to protect data, systems, and software from attacks.
  • Criminal activity can cause real financial loss.
  • People who hold others’ nonpublic personal information may have notification obligations under state law if that information is compromised.
  • Social media has led more people to become victims of cyberbullying, which threatens emotional wellbeing and can be costly.
  • Criminals can steal an identity to open credit accounts and commit fraud.

What’s covered

What’s included

Online fraud

Direct financial loss from a fraud event involving a computer or connected home device, including identity theft, unauthorized use of a card, card number, or account number in your name, or forgery of a check.

Cyber attack

Necessary and reasonable costs to avoid future loss after an attack, plus utility bill overage expenses caused by cryptojacking, when criminals secretly use your devices to mine cryptocurrency.

Cyber extortion

Advice and consultation from a subject matter expert on how best to respond to a threat, and payment directed to the extortion threat when approved in advance.

Home title fraud

Necessary and reasonable costs to recover title when your real property is wrongfully or fraudulently transferred.

Identity recovery

Reasonable and necessary identity theft costs, such as legal fees, notary fees, and credit bureau reports approved by the insurance company, plus the services of an identity recovery case manager.

Cyberbullying

Costs for mental health counseling, temporary relocation, temporary private tutoring, and enrollment at a similar school. It also covers professional cybersecurity consultation, social monitoring software, legal expenses, lost wages, and child care or elder care expenses.

Data breach

Forensic IT and legal reviews, plus notification and recovery services, when private, non-business data entrusted to you is lost, stolen, or published.

Need to report a cyber claim? Cyber events need a fast response. Orange’s reinsurance partner, HSB, offers 24/7 claims service for agents and insureds at 1-888-472-5677.

Real-world examples

How it has helped homeowners

These claim examples are for illustration only and assume the loss is covered on your policy. Totals paid after the deductible may include more than one coverage.

Online fraud

A homeowner shared personal and bank information with a fake mortgage lender and sent a $2,280 certified check. The scammer cashed it and made unauthorized transactions. The homeowner was reimbursed after the $500 deductible.

Paid after deductible: $1,780

Cyber attack

An email attachment unleashed a virus on a homeowner’s computer. Coverage paid an outside expert to reformat the hard drive, reinstall the operating system, and restore data from a backup.

Paid after deductible: $1,200

Cyber extortion

A fake technician gained remote access to a homeowner’s computer, locked her out, and demanded a $3,500 ransom, which she paid. She filed a police report, regained access, and had the computer scanned for malware.

Paid after deductible: $3,000

Home title fraud

A criminal used a couple’s identity to take out a second mortgage on their home. Coverage paid for the attorney who proved the mortgage was fraudulent and other expenses, and identity recovery services were engaged.

Paid after deductible: $7,500

Identity recovery

Someone filed for unemployment benefits using a homeowner’s identity. Coverage paid for the 12 hours of work she missed while resolving the issue.

Paid after deductible: $700

Questions

Frequently asked questions

What is Home Cyber Protection coverage?

Home Cyber Protection is a suite of coverages and services built to respond to the threats individuals face in a digital and connected world, including cyber attacks, online fraud, identity theft, cyber extortion, cyberbullying, and other cyber threats.

What is online fraud?

Online fraud is when you are tricked or deceived out of money through the internet. It can result from identity theft; an online scam; unauthorized use of a card, card number, or account number issued to or registered in your name, when you are legally liable for that use; forgery or alteration of a check or negotiable instrument; or accepting counterfeit currency in good faith.

What is a cyber attack?

A cyber attack is a malware attack against, or unauthorized access to or use of, a traditional computing device or connected home device.

What is a cyber extortion event?

It is a demand for money, cryptocurrency, or other consideration based on a credible threat to damage, disable, deny access to, or share content from your device, system, or data. It also includes a demand made in exchange for restoring access or functionality after an attack on your device, system, or data.

What is home title fraud?

Home title fraud is identity theft that results in the wrongful or fraudulent transfer of title to your real property. Coverage pays the fees and expenses of an approved attorney to recover the title, plus other reasonable and necessary costs, including court filing and title recording fees.

What is identity theft?

Identity theft occurs when someone illegally assumes another person’s identity to make purchases, receive loans, take on obligations, or commit crimes.

What is a data breach?

A data breach is the loss, theft, accidental release, or accidental publication of personally identifying or personally sensitive information about one or more people. The information must be in your care, custody, and control, or that of a professional you contracted, at the time of the breach.

What is cyberbullying?

A cyberbullying event is two or more similar or related acts of harassment, intimidation, defamation, invasion of privacy, threats of violence, or other similar acts, carried out wholly or partly using computers, cell phones, tablets, or similar devices.

How do I report a cyber claim?

Because cyber events need a fast response, Orange’s reinsurance partner, HSB, offers 24/7 claims service for agents and insureds at 1-888-472-5677.

More protection

Service Line Coverage

Covers repairs to the underground lines that bring water, power, gas, and internet to your home.

Ask your agent about Home Cyber Protection

An independent Orange agent can tell you whether Home Cyber Protection is available for your policy and help you add it.

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Important coverage information: This information is provided for general informational purposes only and does not modify or invalidate any of the terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form. Coverage is subject to eligibility, underwriting guidelines, policy terms, conditions, exclusions, and limitations, and may not be available for every policy. Coverage and associated services are reinsured under an arrangement with The Hartford Steam Boiler Inspection and Insurance Company (HSB).