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From personal photos to financial details, much of what matters most to us now lives online. While no solution can eliminate cyber risk entirely, individuals can take manageable steps to reduce exposure. Establishing regular password updates and having cyber insurance in place can help make online life more secure and less stressful.

Update Your Passwords with Purpose

Strong passwords are the first line of defence against hackers. But even strong passwords can lose their strength over time if they’re used too long or repeated across many accounts.

Here’s how to stay on track:

• Set calendar reminders (e.g., every 3 months) to change key account passwords.
• Use password managers that prompt you when a password is weak or reused.
• Pair updates with seasonal dates like the first day of spring, summer, fall, and winter.
• Turn it into a habit by linking it to a monthly routine, such as bill paying day or the first of the month.

These small reminders help ensure your digital doors stay locked.

Add Cyber Insurance for Extra Peace of Mind

Even with strong passwords, cyber threats such as phishing attacks, data breaches, and identity theft can still occur. That’s where cyber insurance steps in.

With HUB’s personal cyber coverage from CyberClan, help is available anytime, day or night, including:

• Expert support to manage and resolve cyber incidents
• Guidance through ransomware attacks, including payment support when needed
• Access to IT forensic professionals and data breach specialists
• Assistance in communicating with law enforcement
• Cyber monitoring and legal help after an incident
• Coverage for repair or replacement of affected devices
• Financial loss reimbursement related to cyber events
• Practical tools, education, and resources to help you stay protected

Think of cyber insurance as adding a second layer of protection, just like having both locks on your front door and an alarm system.

Strong digital habits combined with cyber insurance can help create a more resilient approach to online safety. Password updates help prevent common security breaches, while cyber insurance provides guidance and financial support in the event of a cyber incident. To explore coverage options, cyber insurance quotes are available through HUB SmartCoverage.