Cyber coverage for homeowners

The hacks of big businesses grab the headlines. But for individuals, the threats of online crimes are more prevalent than ever, especially considering that potential victims are at home and online more than ever before. See how The Hanover can help homeowners like you protect against a virtual home invasion, with coverage for:

Cyberattacks

Including system restoration and data recovery costs for computers and connected devices

Cyber extortion

Providing expert advice and consultation on how to best respond to the threat to a monetary demand where the device, system, or data is held hostage

Online fraud

This applies to an event resulting in a direct financial loss, including:

Identity theft and phishing schemes
Unauthorized use of cards or account information
Forgery or alteration of checks
Acceptance in good faith of counterfeit currency
Intentional and criminal deception that causes you to part voluntarily with something of value

Data breach

This includes:

Forensic IT review, to determine the nature and extent of the data breach and the identity and number of the affected individuals
Legal review of the data breach and how you should best respond
Notification of affected individuals
Information material, a help line, credit report monitoring and identity restoration case management

Cyberbullying

Including the following costs when incurred directly related to a cyberbullying incident affecting a minor on your policy:

Temporary private tutoring expenses for up to 90 consecutive days
Unreimbursed enrollment expenses incurred, excluding tuition, for relocation to a similar, alternate school
Professional cybersecurity consultation service expenses
The purchase of apps, social monitoring software and web-based products to prevent further occurrence of cyberbullying events
Legal expenses incurred for the removal of online content

Hanover home cyber protection comes with:

Coverage options up to $100,000 (with a 50% sub-limit for cyberbullying coverage)
Credit monitoring in the event of a claim

All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates (“The Hanover”). Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. Visit our website, hanover.com, for more information about The Hanover.

LC 2021-195