Personal Cybersecurity Safety Checklist

In today’s digital age, staying safe online is more important than ever. Cyber threats like identity theft, scams, and malware can affect anyone, regardless of age or tech-savviness.

As more homes become “smart” – advanced security cameras, access control systems, alarm systems, intercom and communication systems, safety sensors, and technology features – it’s important to protect yourself and your loved ones.

We’ve put together a brief cybersecurity safety checklist tailored to help guide your personal insurance review.

1. Protect Your Devices and Data

• Keep your operating systems, apps, and antivirus software up to date with the latest security patches.
• Use reputable security software to detect and prevent malware and viruses.
• Regularly back up important personal data (photos, documents) to an external drive or secure cloud service.

2. Use Strong, Unique Passwords

• Create complex passwords for all accounts, avoiding common or easily guessable ones.
• Use a password manager to securely store and manage your passwords.
• Enable multi-factor authentication (MFA) on your email, banking, and social media accounts.

3. Be Cautious with Online Activities

• Avoid clicking on suspicious links or downloading attachments from unknown sources.
• Be wary of phishing emails that ask for personal information or direct you to fake websites.
• Limit sharing personal details on social media to reduce the risk of identity theft.

4. Secure Your Financial Information

• Regularly monitor your bank and credit card statements for unauthorized transactions.
• Use secure, encrypted websites (look for HTTPS) when shopping or banking online.
• Consider placing a credit freeze or fraud alert if you suspect identity theft.

5. Protect Your Personal Information

• Avoid sharing sensitive information such as Social Security numbers or passwords over email or unsecured channels.
• Use privacy settings on social media platforms to control who can see your information.

6. Safeguard Your Wi-Fi Network

• Change default passwords on your home Wi-Fi router and use strong encryption (WPA3 or WPA2).
• Enable network encryption and consider setting up a guest network for visitors.
• Turn off Wi-Fi and Bluetooth when not in use to prevent unauthorized access.

7. Be Prepared for Cyber Incidents

• Know how to recognize signs of a cyber attack, such as unusual account activity or device slowdowns.
• Keep contact information for your bank, credit card companies, and local authorities handy in case of fraud.
• Have a plan to disconnect affected devices from the internet and seek professional help if needed.

8. Review Your Insurance Coverage

• Ensure your personal insurance policy includes cybersecurity coverage for identity theft, data recovery, and fraud resolution.
• Understand what incidents are covered and the process for filing a claim.
• Keep documentation of any cyber incidents and communications for insurance purposes.

9. Educate Yourself and Family

• Stay informed about common cyber threats and scams targeting individuals.
• Teach family members, especially children and elderly relatives, about safe online practices.

10. Regularly Review and Update Your Security Measures

• Periodically update passwords and review privacy settings.
• Stay informed about new threats and adjust your security practices accordingly.

Stay safe online and protect what matters most. Your cybersecurity is an ongoing effort, and we are here to help! Reach out to learn more about home insurance policies and cyber security policies to help provide peace of mind.