Your homeowners policy protects the house. This protects the part of your life that lives on servers — and pays the real costs of putting an identity back together.
Cyber services — a 24/7 helpline with professional services, credit and dark web monitoring, and practical guidance for keeping digital information secure. Think of it as having someone to call at 2am when the text says your account has been compromised and you can't tell if the text itself is the scam.
Identity fraud expense — pays up to $25,000 for expenses, services and costs incurred due to a covered identity theft or cyber event. Recovering an identity costs real money — legal help, documentation, lost time — and this is the coverage that pays it.
Both together — a combined option with limits up to $50,000, replacing the two individual selections.
You get one of those letters — a company you did business with years ago was breached, and your information "may have been affected." Normally that letter produces a week of vague dread and nothing else. With cyber services on your policy, dark web monitoring is watching for your credentials, and when your email and an old password surface in a leaked database, you can get flagged — and the 24/7 helpline walks you through the freezes and password triage that evening, before anyone opens an account in your name. The breach still happened. The damage had a much smaller window to happen in.
