Annual Home Insurance Review

Additions such as room additions, and improvements such as new roof, furnace, plumbing or electric or any others that can effect the value of your home.

Cyber Attack • Data Recovery Costs - Cost of a professional firm hired to replace electronic data that has been lost or corrupted. • System Restoration Costs - Cost of a professional firm to restore the computing or connected home device to its level of functionality before the cyber attack. This includes the replacement or reinstallation of software programs, removal of malicious code and the configuration of the device or system. Cyber Extortion • Professional assistance from a subject matter expert for advice and consultation on how to best respond to a threat. • Cyber Extortion Response Costs - Payment as directed to the extortion threat, when payment is approved in advance and incurred as the direct result of a cyber extortion event. Fraud • The direct financial loss to an insured as the result of a fraud event including but not limited to identity theft, unauthorized use of a card, card number, or account number in an insured’s name, or forgery of a check. Data Breach • Forensic IT Review - Cost for a professional information technologist to review the nature and extent of the breach event, the number and identities of the affected individuals. • Legal Review - Cost for a professional legal counsel to review and develop a response for the personal data compromise. • Notification to Affected Individuals - Necessary and reasonable costs to provide notification of the personal data compromise to affected individuals. • Services to Affected Individuals - Cost to provide informational materials and telephone helpline to affected individuals. Credit Report and Monitoring and Identity Restoration Case Management services provided