Do you need professional-strength cybersecurity in your home?

How much cybersecurity do you really need?

Data breaches at banks, health-care providers and government agencies have led companies to invest more in security programs. Now, security providers are pitching business-style protection to consumers.

Many homeowners’ insurance policies include identity-theft coverage, which typically includes access to credit monitoring and a case manager who can help victims clean up the mess. But some companies are taking consumer cyber protection a step further, offering home-security audits and checking whether computer systems are hack-proof. The pitch is that individuals with investments and sensitive data they access on home and mobile systems may be more vulnerable than they think.

Avivah Litan, a security analyst at Stamford, Conn.-based Gartner Research, says these services could prove more valuable than identity-theft insurance, which does little to prevent fraud from actually occurring.

“You have to put a price tag on your risk,” Litan says. “How much of a drop can you afford?”

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