October is Cybersecurity Awareness Month, a reminder that while we lock our front doors and insure our cars, many of us leave our online lives wide open. From shopping and banking to smart home devices and social media, cybercriminals are finding new ways to attack households every day.

Personal Cyber Insurance ensures that if cybercrime strikes, you and your family are financially protected—not left to face the costs alone.

What Is Personal Cyber Insurance?

Personal Cyber Insurance provides financial protection and recovery services when cyberattacks, fraud, or online threats affect your household. It’s different from homeowners or auto insurance because it covers digital risks, including:

• Identity Theft Expenses – legal help, credit monitoring, and support to restore your identity.

• Cyber Crime – losses from fraudulent wire transfers, hacked bank accounts, and phishing scams.

• Cyber Extortion (Ransomware) – ransom payments and professional IT support to restore access.

• Data Recovery – restoring or replacing lost personal files, photos, and documents.

• Cyberbullying – therapy, tutoring, relocation, and content removal if a household member is targeted.

• Breach Event Costs & Privacy Liability – protection if personal information you handle (e.g., through volunteering) is stolen or exposed.

Why It Matters Right Now

Households manage dozens of connected devices—phones, laptops, smart TVs, doorbell cams, even appliances. Each one can be an entry point for hackers. Without protection, the financial and emotional recovery lands on you. Personal Cyber Insurance adds a safety net.

What Does It Cost?

Coverage is typically more affordable than most people expect, with limits commonly offered from $100,000 up to $1,000,000. Ask us for current pricing and options that fit your needs.

Extra Value: Identity Protection Tools

Many policies include identity protection services (credit monitoring, dark web scans, social media privacy tools, VPN, password checks, lost wallet support) to help prevent issues—plus experts to help you recover if something happens.

How to Get Started (It’s Simple)

1.  Choose a coverage limit – that fits your risk and budget.
2.  Complete a short application.
3.  Activate your identity protection tools – and enjoy 24/7 claims support.

We’re Here to Help You Stay Secure

Cybersecurity Awareness Month is the perfect time to take action. Awareness is important—but protection is better. With Personal Cyber Insurance, you can safeguard your identity, finances, and family this month and every month.

At Curran Cooney Penny Agency, we know your life is more connected than ever — and with that comes new risks. From online shopping to smart devices, every click can open the door to cyber threats.

That’s where Personal Cyber Insurance comes in, protecting you from identity theft, fraud, data loss, and more. Our team helps you understand your coverage, identify potential risks, and guide you through the claims process if something happens.

Your digital life deserves the same protection as your home, car, and business — and we’re here to make sure you’re covered with confidence.