As cyber insurance slowly moves from corporate to consumer coverage, some interestingly comprehensive policies have been introduced. One, introduced this month by AIG, puts a strong emphasis on services to prevent attacks rather than merely paying for them once they happen. We decided to dive into the fine print to see how much wiggle room the insurer gave itself.

The new policy, called Family CyberEdge, is designed as a supplement to existing homeowner’s insurance and will cost an extra $597 for $50,000 limits for each key area, consisting of cyber extortion, data restoration, crisis management and cyber bullying, with no deductibles beyond a flat $1,000 for data restoration. Bump the coverage limit up to $100,000 and the annual premium rises to $972, or go for the maximum coverage of $250,000 and the annual premium comes in at $1,723.

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