Personal Cyber Insurance Checklist
2-page before-you-buy checklist for personal cyber insurance — 10 coverage questions, 8 fine-print red flags, and a side-by-side quote comparison worksheet. Includes the #1 most-excluded coverage type that most buyers never think to ask about.
Buying personal cyber insurance? Don't sign anything until you read this. Walk in knowing what to ask, what to skip, and which exclusions cost people thousands when they file a claim.
✓ Before-you-buy: coverage you may already have for free (credit cards, employer, homeowners) ✓ 10 specific coverage items to ask your agent about ✓ 8 fine-print red flags (deductibles, sub-limits, waiting periods) ✓ Side-by-side Quote Comparison Worksheet (capture quotes from 2-3 carriers) ✓ Reduce-your-risk checklist (often qualifies you for discounts) ✓ First-24-hours claim response plan if you ever need it ✓ FTC + IC3 reporting links and phone numbers
The big insight most guides miss: social engineering / "authorized transfer" fraud is the most common personal cyber loss in 2026 — and it's the most commonly excluded coverage. This checklist tells you to ask about it specifically. That one question alone has saved buyers from filing $10K+ claims that would have been denied.
Bring it to your agent meeting. Fill in the Quote Comparison Worksheet across 2-3 carriers. Decide with real data instead of marketing copy.
What's included
- PDF — fully editable
- Instant download after purchase
- Free updates — re-download when we release new versions
- Secure checkout via Stripe
- All major cards accepted
- 30-day satisfaction guarantee