When a fake looks real,
the details matter.
AI can clone a voice, create a convincing image or impersonate a person online. Personal cyber and identity products may help in some situations. We do not currently offer personal quotes or a consumer insurance match.
Explore the full market map ↗Someone used a cloned voice to persuade you to send money
This can be a social-engineering scam. Ask specifically whether a policy covers money you authorized yourself after deception. Identity theft protection may treat that differently from money stolen through unauthorized access. Allstate expressly distinguishes a voluntary transfer to a scammer from identity theft in its product explanation. Some personal cyber products address fraudulent transfers, but eligibility, limits and proof requirements vary.
Read the provider explanations: Allstate identity protection ↗ · Chubb personal cyber distribution ↗
Someone opened an account or used your identity
Identity monitoring, restoration and reimbursement products exist. The questions are whether the event qualifies as identity theft, which recovery costs are eligible, whether stolen funds are included, and what records you need to provide. A monitoring subscription and an insurance policy are different products.
Chubb personal cyber overview ↗ · Allstate identity protection ↗
A fake image, video or voice is used against you
Some personal cyber offerings provide assistance for cyberbullying, cyberstalking or extortion. Ask whether a particular policy pays for investigation, content removal, counseling, legal help or financial loss. A fake being created does not by itself guarantee an insurance claim.
Questions for a licensed professional
- Does this policy cover a scam when I initiated the payment?
- Are AI-created voices, images and videos addressed by the policy wording?
- What are the limits, waiting periods, exclusions and required evidence?
- Does it pay for stolen funds, recovery services, takedown, or only some of these?
- Is this available in my state and for my situation?