I had fraudulent transfers out of my bank account and had no trouble getting it corrected. No insurance was required. I guess today folk are being sold such things but I found that beyond the annoyance and the time I spent getting it corrected (about 4 hours) that I didn't need insurance.
Banks in the USA already have a lot of safeguards and ways to correct this.
Did you talk to your bank? I would.
Is there a need to purchase Personal Cyber Security Insurance in case my personal computer gets hacked; i.e. - fraudulent transfers out of my bank, etc???