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Personal cyber insurance for the digital world

Find out how Blink by Chubb® can help protect you from online threats starting at $5.28 per month.‍ ‍ See note 1

Restrictions may apply in .

Blink personal cyber insurance isn’t available in New Hampshire and Vermont. It’s available in New York but doesn’t include cyberbullying coverage.
Get a quote [for personal cyber insurance]

What you get with personal cyber insurance

We work with Blink by Chubb® to provide you with a variety of options at a reasonable price.

Low out of pocket costs

Pay no deductible for identity theft claims and as little as $250 for others.

Customizable coverage

Choose between $10,000, $50,000 or $100,000 in coverage for a wide range of cyber threats.

Who it’s for

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

  • 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?‍ ‍‍ ‍ See note 2

Data and device damage

Whether you have a desktop computer or a laptop, Blink by Chubb® will help cover the following services.


  •  
This helps restore your data if a hacker deletes or corrupts it or if you download malware that damages it.
If someone installs the wrong program on your computer and makes it unusable, this may help pay for a replacement.

Lost income

You could get help paying for services that help with these common types of fraud.

Cyber criminals may take out loans or credit cards or apply for services under your name.
Cyber criminals may steal cash from your bank account or use your debit card.
This can happen if you transfer cash or investments to someone pretending to be a person or company you deal with.

Threats and harassment

Depending on which of these situations happens, you could get help with legal fees, therapy services, relocation costs and more.

If someone hurts your reputation by publishing personal or false information online, you may need help with remediation services, legal fees and loss of income.
If a hacker accesses your smart home system, it may force you to find a temporary place to live. Cyber insurance could help pay for relocation expenses.
If someone harasses you or your child online, you could get help paying for psychiatric costs, lost wages and relocation services.
If someone hacks your computer and threatens to release your information or won’t let you use your computer until you send money, you could get help paying for the ransom.

What’s not covered?

Most types of businesses and certain situations aren’t included in a Blink personal cyber policy.

Government and legal limitations

These situations usually aren’t covered, depending on what happened.

This includes any type of loss that happens because of property damage or personal injury that you’re legally liable or responsible for.

But it doesn’t include costs that may be covered under cyber financial fraud coverage.

This includes losses that happened because a government or public authority took or destroyed your property.
This includes losses from any activity with digital currency that isn’t authorized as official currency by a sovereign government, like Bitcoin.

It doesn’t include situations where digital currency was paid as a ransom and is covered under cyber extortion coverage.

This includes losses that happened somewhere that was listed as a “Do Not Travel” area by the Bureau of Consular Affairs of the U.S. Department of State. It also includes situations related to those areas.
This includes any losses that happened because you were running for office or holding an elected public office.
This includes any losses that you were aware about before you get coverage.

Other types of losses and damage

This includes the following situations with a few exceptions.

This includes losses that happened because of a malicious or fraudulent act by:

  • An employer.
  • A coworker.
  • A family member.
  • A current or former guardian.
  • A current or former spouse or domestic partner.
  • Anyone who currently lives or previously lived with you.
  • Anyone acting on behalf of these people or a civil authority.
This includes losses that happened because of a single attack or failure that affects multiple business or random people at the same time.
This includes losses that happened because of a physical injury to someone or destruction of physical property.

But it doesn’t include losses that happened because you weren’t able to use damaged property.

This includes losses that happened after a financial institution runs into problems with their finances or needs to restructure.

This includes losses involving the following situations, except for those covered under cyber financial fraud coverage.

  • Your investments decrease in value.
  • Someone misleads you about the value of a product, service or investment.
  • You don’t get a loan payment from the person who owes you.
  • Someone doesn’t complete tasks agreed by contract.
  • The U.S. Postal Service or a courier service loses money, financial securities or physical property.
  • A product or service you purchased fails or malfunctions.
  • You have gambling losses.

Is personal cyber insurance worth it?

According to the Federal Trade Commission's Consumer Sentinel Network, 46% of Americans were victims of fraud in 2022.

And having your identity stolen may cause long-term issues like damaged credit.

A personal cyber policy can not only help you recover lost income, but it can also help restore your name.

Why get a policy through the USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing alliances with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.

 

Also, when you buy insurance through the USAA Insurance Agency, you help us support the military community through charitable contributions and special events.

Need cyber insurance for your business?

A personal cyber policy can only help certain businesses that make $15,000 or less.

 

If you have a large company, you may face cyberattack costs that could add up to millions of dollars.

 

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

 

Call 800-292-8135

For TTY devices, dial 711

 

Learn more [about commercial cyber insurance]

Hours

Monday to Friday
7:30 a.m. to 6 p.m. CT
Saturday and Sunday
Closed
Note: Days and times may vary

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.

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 as long as you didn't know about them.

In addition to filing a claim through your policy, you should also report the fraud to your financial institution.

We provide multiple ways to keep your accounts and personal information secure.

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

Related resources

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Help protect your online information with personal cyber insurance.

Discover all the ways Blink by Chubb® can give you extra peace of mind.

Get a quote [for personal cyber insurance]