Mike Tyson said, "Social media made you all way too comfortable with disrespecting people and not getting punched in the face for it." People may not be getting punched in the face but 37% of teens have been bullied online. Mary called asking about coverage on a laptop she's giving her son for Christmas. After telling me how much she paid I told her she had enough coverage but asked her what she knew about Cyber on her Homeowner's policy. Unfamiliar, she allowed me to explain and for $50 a year we added $100K in Cyber Coverage to her home policy giving her coverage whether her son is the perpetrator or the victim. This makes me a great referral for parents buying their teens large ticket tech items for Christmas. Ask them what they do, if anything, to control their kid's internet usage?