Frequently Asked Questions
Q: What is Personal Cyber Insurance?
A: A Personal Cyber Insurance policy or endorsement provides a range of coverages to help protect you and your family. A policy can assist with cyber-attack response services and can cover related expenses and damages such as forensic analysis, system restoration, identity theft, financial fraud, mistaken funds transfer, ransomware, cyberbullying and more. Coverage is offered in a variety of policy limits.
Q: Does my Homeowners Insurance cover cyberattacks?
A: Most standard home insurance policies do not cover cyber-crime related services, expenses, or damages after a cyber-attack.
Q: Do I need Personal Cyber Insurance If I already have identity theft protection?
A: Yes, Personal Cyber Insurance will provide a broader set of coverages including actual financial damages, where Identity Theft is often limited to expense costs alone. Personal Cyber can also offer important services such as forensic analysis, data recovery, system restoration and breach notification that may be excluded from Identity Theft coverage.
Q: How much Personal Cyber Insurance would I need?
A: R&R Insurance can help you evaluate your needs through a thorough Personal Cyber Risk Assessment and help you make an informed coverage decision. R&R partners with the top companies in the industry that offer limits up to $2 Million. A wide range of coverages and limits are available and R&R will guide you through the entire process.
Q: Is Personal Cyber Insurance affordable?
A: R&R Insurance partners with many different insurance companies that offer Personal Cyber Insurance products. Cyber Protection Coverage is surprisingly affordable, starting at just $35 per year!
Q: Does R&R Insurance offer education and tips on how to protect my data, connected devices, banking and investment accounts and other Personal Cyber exposures?
A: Yes, R&R Insurance has a dedicated Cyber Insurance Division that regularly updates and educates our clients on cyber risks and emerging trends. We offer key cyber security best practices and actionable steps you can take to reduce your Personal Cyber Risk - including the benefits of using strong passwords, managing your social media presence, implementing technology resources like encrypted connections and dual-factor-authentication, and tips to increase your overall awareness around Personal Cyber threats and exposures.