Life is complicated, insurance doesn't have to be.
With the heightened awareness of identity theft and cyberattacks, it
makes sense to protect our families at home. But how do we do that?
We talked with the experts from our IT security team to give
you 10 ways to protect your family from identity theft, both
online and offline.
1. Use multifactor authentication
When available, utilize multifactor authorization.
Multifactor authentication adds another step after you
enter your password, which usually prompts you to enter a code that
the website or app sends to you via text or email.
Multi-factor authentication is a quick way to ensure nobody
is trying to use your login information. If a bad actor obtains your
password, it mitigates the risk and may alert you of the fraudulent activity.
As for the passwords themselves, make sure you create
different ones for each login. Never use a default password. They
are easy to hack!
Read more: 11
Ways to Keep Your Identity Safe This Tax Season
2. Label the inside of your children’s belongings, not
Personalizing the outside of your child’s backpack with their
name may seem cute, but can make it easier for predators to call
your child by name. When a predator can address your child by name,
they may be able to convince your child to trust them. Label their
backpack on the inside instead.
3. Monitor children’s technology usage
There are so many ways you can keep your kids safe online.
The important thing is to find a system that works for your family
and stick to it!
Some ideas to consider include:
Additional Resources: Keeping
Children Safe Online
4. Wait to share your vacation photos on social media
It’s easy to target your home when you announce it will be
empty. Think twice before you post your upcoming travel plans on
social media. When you are on vacation, it may be tempting to post
updates, but that can also make it obvious that your house is
vacant. Enjoy your trip and save the posts for later.
5. Configure your smart home technology
When you get a new device that connects to the internet, take
time to configure it and set up the security settings. Don’t assume
the default settings provide enough security.
Things like baby monitors and surveillance cameras that
connect to Wi-Fi can be hacked. Even appliances, like
refrigerators, can be hacked.
Why would it matter if somebody hacked your refrigerator?
Those prying eyes may be able to deduce that you aren’t home
when they see you haven’t opened your refrigerator in a few days.
This may be enough of an incentive for them to break into your home.
Read more: Do
You Know What to Do After a House Robbery?
6. Keep your Wi-Fi password safe
It may be a fun trend, but don’t frame your Wi-Fi password on
the wall. It’s best to only share the password with visitors in
person. For continued security, change your password seasonally. One
way to help yourself remember is to change it during an existing
routine. For example, change your Wi-Fi password every time you
change your smoke detector batteries. You could even leave yourself
a note on the pack of batteries to change the password.
Also, if you frequently have people over that use your Wi-Fi,
consider setting up a guest network for them.
7. Take care of your devices
What does it mean to take care of your devices? Updating!
Keep your device’s operating systems and anti-virus protection up
to date. Turn on notifications for updates so you will be reminded
when you need to update your devices. Try to install it soon after
you get an update notification.
Read more: How
Your Small Business Can Lock Down Cyber Security
8. Keep purses and wallets out of sight
Rather than keeping purses and wallets by the front door or
in your car, tuck them away in a closet. A visible purse or wallet
is home to a lot of personal information and can be an incentive
9. Store and discard documents securely
You’ve probably heard this about old tax documents, but it’s
also important to apply this to some of the mail you discard. Things
like credit card applications that pre-qualify you for a line of
credit are especially important to shred because somebody could take
out a line of credit in your name. Store the mail that you keep for
bills or taxes in a secure place, such as a locked box.
10. Educate your family about phishing, vhishing and
Yes, those are real words and very real threats. Take time to
talk through some best practices to avoid falling for one of the
many ways bad actors try to gain information and access.
A good place to start is to encourage your family to be
cautious of urgent-sounding communications and avoid disclosing
personal information without an adult cross-checking the source.
For example, your child gets an email from what appears to be
their school system. The email is asking them to click a link to pay
and register for an upcoming field trip ASAP. Since there’s urgency
and they’re asking for personal information, it’s certainly worth
the time to cross-check this by either contacting their teacher or
checking the school’s website (without clicking the link).
Check out the Cybersecurity
& Infrastructure Security Agency’s article for topics to
talk through with your family.
What should I do if my identity is stolen?
If you, unfortunately, have your identity stolen, there are
some steps to take to start recovering.
Keep in mind, our Identity Theft Expense coverage is for
restoring your financial identity; it does not cover loss from the
theft itself. The “expenses” that may be considered for coverage are:
Overall, keep communication about these issues open with your
family. There are so many ways a cyberattack and identity theft can
play out. If something doesn't feel right, question it!
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