Personal Cyber Insurance
Protection for successful families and individuals
You've worked hard to build the life you have — and more of that life is online than ever before. Banking, investing, smart home systems, family photos, your kids' social accounts. Personal cyber risks have become more common and more costly, and a standard homeowners policy often falls short when it comes to stolen funds, ransomware, data breaches, or digital extortion.
Personal cyber insurance is designed to help you and your family respond quickly and recover fully if something happens. We offer coverage through Tokio Marine HCC's NetGuard® SELECT — a policy built to help protect your finances, your identity, your devices, and your peace of mind.
Coverage is offered through Tokio Marine HCC, rated A++ by AM Best.
What Personal Cyber Insurance Can Help Cover
Financial Fraud Protection
If money is stolen through a phishing scheme, an unauthorized electronic transfer, identity theft, or stolen passwords — and you can't recover it from your bank or credit card company — coverage may help make you whole.
Ransomware and Extortion Assistance
If your files or devices are locked by malware, the policy can provide access to professional help and coverage for responding to a cyber extortion event, so you're never navigating it alone.
System and Data Restoration
Coverage may help pay for IT professionals to remove malware, restore compromised devices, recover lost data — including the photos and records that matter most — and get your household back online.
Identity Recovery Support
If your personal information or identity documents are stolen, the policy provides support services to guide you through every step of the recovery process, from credit reports to legal expenses.
Cyber Bullying Support
If someone in your household is targeted by harmful online conduct, the policy includes support services and coverage to help your family respond and recover.
Security and Privacy Liability
If you hold private information for others — say, you serve on a nonprofit board or coach your child's team — coverage can help protect you if that information is lost, stolen, or exposed, resulting in a covered claim.
Why We Selected This Coverage
Because of your success, your exposures may have changed — and we believe your coverage should keep up. We evaluated multiple options in the marketplace and selected Tokio Marine HCC's NetGuard® SELECT because it offers broad personal cyber protection built for families facing modern digital threats.
Tokio Marine HCC describes NetGuard SELECT as a comprehensive cyber insurance solution for individuals and families, with coverage that includes cyber extortion, ransomware, cybercrime, online fraud, cyberbullying, and identity and privacy protection. Policyholders also gain access to IDX's identity protection, fraud detection, and dark web monitoring services.
Coverage Options
Choose the annual coverage limit that fits your family:
| Coverage Limit | Annual Cost (fees included) |
|---|---|
| $250,000 | $675 |
| $500,000 | $1,700 |
Not sure which limit is right for you? Call us — this is a five-minute conversation.
How It Works
Getting covered is simple:
- Answer 3 quick questions about any prior claims
- Review the coverage description and required application wording
- Select your limit — $250,000 or $500,000 — and make your payment
From there, we complete the application on your behalf and the carrier issues your policy. That's it — no lengthy forms, no back-and-forth.
Take the Next Step
Put personal cyber protection in place today. Complete the 3-question application online in minutes, or call us and we'll walk you through it.
This page provides a general product summary and should not be construed as a guarantee of coverage. Whether, or to what extent, the insurance applies to a particular claim or loss depends on the circumstances of the claim or loss and the terms and conditions of the policy, as issued.
Why Falcon West Offers Personal Cyber Coverage
Falcon West Insurance Brokers has been protecting families and businesses since 1980. Over four decades, we've watched the risks our clients face change; and today, some of the most damaging losses don't start with a fire or a fender bender. They start with a click.
We've seen successful families lose six figures to fraudulent wire transfers, spend months untangling a stolen identity, and scramble to recover a lifetime of photos from a locked device. Most learned too late that their homeowners policy wasn't built for any of it.
That's why we went looking for coverage that actually fits how our clients live now. We treat your family's digital life the way we've always treated your home, your autos, and your business: as something worth protecting properly, with people you can actually call when something happens.