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Personal cyber insurance for the digital world

Find out how Upfort can help get you protected from online threats. Policies start at $4.50 per month.‍ ‍

Get a quote for personal cyber insurance

What you get with personal cyber insurance

We work with Upfort through the USAA Insurance Agency to give you a variety of options at a fair price.

Customize your coverage and choose between $10,000, $25,000, $50,000 or $100,000 for a wide range of cyber threats.

Who it’s for

You should consider personal cyber insurance if you or anyone in your home:

  • Uses a laptop, tablet, smartphone, Google Home®, Alexa® or any smart device.
  • Has access to social media.
  • Manages their money and investments online.
  • Uses any kind of apps, including banking apps.

What does personal cyber insurance cover?‍ ‍

Data breach

If your private data gets leaked, this can help pay for forensic IT, legal reviews, and notification and recovery services.

Online fraud

This can pay you back if cyber criminals steal money from your accounts. It covers phishing scams, illegal bank and credit card transfers, cryptocurrency theft, forgery and more.

Identity theft

The identity recovery feature can help you in a couple ways.

  • Identity theft expense reimbursement coverage
  • Full-service ID theft restoration services

Cyber extortion

If someone threatens to release your information or lock your computer until you send money, you could get help paying the ransom.

Cyberbullying

This helps pay for things like psychiatric counseling, legal costs, temporary relocation and more.

What’s not covered?

Physical hardware damage

This includes the cost of fixing or replacing a computer, laptop or smartphone.

Infrastructure failure

This includes losses caused by events that impact many businesses or people. It could be a large internet, power or phone service outage.

Bodily injury

This includes physical bodily injury or pain and suffering resulting from a cyberattack.

Consider Upfort Home™ for more peace of mind.

Help further boost your security with the Upfort Home software program. You can buy it separately or add it to your personal cyber policy.

Advanced phishing protection

Flag phishing emails often missed by traditional email filters.

Real-time web filtering

Block phishing pages, malicious downloads and scam sites in real time.

Proactive data monitoring

Get alerts about account breaches. Find out when your passwords, Social Security number, addresses and other sensitive info is exposed.

Digital safety training

Learn how to protect yourself with guides on locking down credit, managing exposure and more.

Why get a policy through the USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. We have long-standing alliances with other insurance providers, and we monitor these relationships to make sure they meet our standards.

Need cyber insurance for your business?

A personal cyber policy can only help certain businesses.

If you own your company, you may face cyberattack costs that could add up to millions of dollars.

Discover how a commercial cyber policy can help. Speak to a USAA Insurance Agency commercial specialist.

Call 800-292-8135

For TTY devices, dial 711

Hours of operation for USAA Insurance Agency

Monday to Friday
7:30 a.m. to 6:00 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

Learn more about commercial cyber insurance

Personal cyber insurance FAQ

A standard policy can cover certain types of fraud, but cyber-related coverage may be limited or not included at all.

This depends on the package you choose, the state you live in and how much coverage you need for yourself or your family.

Coverage starts at 12:01 a.m. the day after you buy it.

You may be covered for cyberattacks that happened up to a year before your policy started if you didn’t know about them.

Yes. In addition to filing a claim through your policy, you should also report the fraud to your bank or credit card company.

We have many ways to keep your accounts and personal information secure.

If you think you’ve been the victim of fraud, it’s important to act as soon as possible. Find out how to report fraud.

More resources on cyber protection

Stop money scams: Learn how to protect yourself

Article: 6 minutes

Read article: Stop money scams: Learn how to protect yourself

Protect yourself: Avoid military scams

Article: 11 minutes

Read article: Protect yourself: Avoid military scams

Unmasking the threat: A deep dive into IRS scams

Article: 6 minutes

Read article: Unmasking the threat: A deep dive into IRS scams

Help protect yourself online with personal cyber insurance.

Discover all the ways Upfort can give you extra peace of mind.

Get a quote for personal cyber insurance

Related footnotes:

  1. Coverage is not available in all states. The premium example shown is based on a deductible of $250 and an annual coverage limit of $10,000. Actual rates, deductibles, coverage limits, and policy terms may vary. Rates starting at $4.50 per month.

  2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  3. MyCyberProtection family cyber insurance is administered by Paladin Data Insurance Corp. (Insurance License NPN 18489946) and underwritten by The Hartford Steam Boiler Inspection and Insurance Company.

  4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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