Identity Theft Protection

Identity theft protection is packaged together with personal cyber insurance at HUB International.

Cyber insurance has traditionally been marketed to business, and most households assume their homeowners policy, bank or credit card issuer already covers identity theft and online fraud. Individuals are increasingly targeted directly, yet many still underestimate their personal exposure until an incident occurs.

HUB positions personal cyber and identity theft coverage as a distinct product — separate from homeowners or bank fraud protection — during the annual review and closes the awareness gap before an incident forces the household to learn the difference the hard way.

Households rarely ask for identity theft coverage by name — the conversation almost always starts after someone has already been affected.

The household knows, before anything happens, exactly what its coverage does and doesn't include for identity theft and online fraud — rather than discovering the answer during a stressful, active incident.

Standard homeowners and auto policies don’t address identity theft resolution costs or the expenses of restoring a stolen identity, and incidents increasingly cross from a digital breach into real financial loss, so coverage needs to address both sides at once.

Identity theft rarely stops at the initial breach. What starts online can quickly turn into stolen funds, drained accounts and months of cleanup. Yet the resolution and recovery costs that follow fall outside what typical homeowners and auto policies cover. Effective protection needs to close that difference by handling both the theft itself and everything it leaves behind.

Coverage that addresses both the resolution side of identity theft, monitoring, credit repair, lost wages, and the financial-loss side of cyber fraud, a wire-fraud scheme or a compromised account, closes the exposure a standard homeowners or auto policy simply doesn’t reach.

The costs that catch households off guard aren't usually the fraudulent charge itself. It's the time and expense of restoring their identity and credit afterward.

Your coverage addresses both the resolution costs of identity theft and the financial loss from cyber fraud, rather than assuming a homeowners or auto policy already covers either.

Recovering from identity theft rarely comes down to a single payment — it means negotiating with banks and credit bureaus, monitoring credit for months, and proving which charges were fraudulent. A household without a dedicated resolution team behind its policy is left coordinating all of that alone.

HUB’s coverage is backed by a dedicated breach-response and resolution partner — HUB's Canadian personal cyber program works with CyberClan for this — putting credit monitoring, negotiation and forensic support in motion as soon as an incident is reported, instead of leaving the household to manage each step itself.

The policy limit rarely determines whether a household feels supported after a breach — the speed and coordination of the resolution team behind it does.

The household has a coordinated response already in motion — credit monitoring, bank negotiation, forensic support — within hours of reporting the incident, rather than managing the recovery process alone.

Identity theft risk follows you across every account and device you have, so protection needs to be reviewed as part of your household’s whole program rather than a one-time purchase.

Because identity theft risk moves with you across every account and device, it keeps changing as your digital life grows. Treating protection as a one-time purchase, rather than reviewing it alongside the rest of your household's program, misses how quickly that risk can shift.

HUB reviews your identity and cyber protection each year, alongside your household's broader program, and keeps your coverage aligned with real change. As accounts open, devices multiply and family members change, an annual review makes sure your protection reflects how the risk evolves, rather than staying fixed at whatever you first chose.

Identity theft doesn't wait for a renewal date. The households that stay best protected are the ones who revisit this coverage as their digital life changes, not just once at signup. A regular check-in gives you the chance to close gaps before they turn into problems.

The result is protection that keeps pace with you. Your identity and cyber coverage stays current with how your accounts, devices and family change, rather than frozen at the level you set when you first purchased it.