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A growing number of cyber exposures do n't fall into the Fair Financial Reporting Act 's identity theft category , so are n't covered by US home insurance policies , according to the CEO of cybersecurity consultancy CyberScout . Currently , the theft of social media credentials and the fraudulent solicitation of legitimate online fund transfers are not covered by federal reimbursement policies . However , home insurance policies will soon exceed the coverage offered by business ' full - scale digital risk policies , and include advocacy services such as reputational monitoring , through which an insurer clears negative statements caused by cyber - bullying , for example , and restores the victim 's identity .