A follower was able to piece together my location from window reflections in my content and showed up at my door at 2:00 a.m. I obtained a restraining order, but I no longer feel safe in my home. As a result, I need to break my lease (a $4,000 fee), hire bodyguards (a $4,000 retainer plus $500 per day), and relocate to a gated community. I am trying to determine whether any insurance coverage applies to these expenses.
Key Takeaways
- Crisis Management Coverage: Standard insurance ignores this. You need a “High Net Worth” homeowner’s policy (AIG, Chubb, Pure) or a specific “Stalking/Threat” rider.
- Relocation Expenses: Some specialized “Creator” policies in 2026 are beginning to include “Emergency Relocation” up to a sub-limit (e.g., $10k).
- Restraining Order Legal Fees: If you have “Legal Defense” coverage (sometimes in Umbrella policies), it might help with the cost of getting the order.
- Security Upgrades: Generally not covered. Installing cameras and gates is considered a “home improvement.”
The “Why” (The Trap): No “Property Damage”
Standard insurance waits for something to break.
If the stalker breaks the window? Covered.
If the stalker just stands there menacingly? Not covered.
You are claiming “Loss of Safety,” which isn’t a named peril in basic policies.
You need “Kidnap, Ransom, and Extortion” (K&R) or “Crisis Response” insurance.
[IMAGE: Photo of a “Crisis Response” insurance card with a 24/7 emergency number]
The Investigation: I Called Them
I asked, “I need to move because of a stalker.”
1. AIG Private Client Group
- The Verdict: They offer “Reputational & Crisis Management.” This can cover temporary housing, security guards, and psychiatric care after a threat.
- The Cost: Expensive. This is for the top 1% of creators.
2. General Renters Insurance
- The Verdict: Denied. They cover fire and theft, not fear.
3. “Creator Shield” (Niche 2026 Product)
- The Verdict: Some insurtechs now offer “Stalking Insurance” as a micro-product. It covers lease-break fees and temporary hotel stays.
Comparison Table
| Expense | Standard Renters | High-Net-Worth (Chubb/AIG) |
| Broken Window | Yes | Yes |
| Bodyguards | No | Yes |
| Breaking Lease | No | Yes (limit applies) |
| Counseling | No | Yes |
Step-by-Step Action Plan
- Police Report: Essential. You cannot trigger any Crisis coverage without an official police threat assessment.
- Contact Specialist Broker: Ask for “Crisis Management” or “K&R” quotes.
- Scrub Data: Use a service like DeleteMe to remove your address from the web. Insurance might require this as a condition of coverage.
- Save Receipts: Hotel bills, security installs, lawyer fees.
FAQ
Does it cover me if I hurt the stalker?
If you use self-defense? Yes, your “Self-Defense” liability coverage (within Homeowners/Renters) should defend you civilly if the stalker sues you for injury.
Can I deduct security on taxes?
If the threat arises from your business (public profile), generally yes. Ask your CPA.
What if they threaten my family?
Family endorsements are usually included in K&R policies.