Average value of personal belongings in a one-bedroom rental
— unprotected
Exposed to fire, theft, and water damage. $0.52/day to protect.
Coverage Estimator
What would it cost to replace what matters most?
Move the sliders to reflect what you own. Your estimated monthly rate updates in real time.
Furniture & Electronics
TV, laptop, recliner, dining set
Jewelry & Heirlooms
Rings, watches, signed prints, silverware
Medical Devices & Mobility Aids
CPAP, wheelchair, hearing aids, lift chair
Total belongings value
$24,500
Daily cost to protect
~$0.00/day
Your Estimated Rate
Covers $24,500 in personal property — furniture, heirlooms, and medical devices — against fire, theft, water damage, and visitor liability.
- Personal property replacement coverage
- Liability protection up to $100,000
- 24/7 claims line — real people, not bots
- No deductible on medical device claims under $2,500
No credit card required. Takes 60 seconds.
Real Claims. Actual Dollars.
The five claims filed most often by renters over 65
Each scenario below is drawn from common claim patterns. The dollar figures reflect typical settlement amounts for the described losses.
Water Heater Failure
Margaret's water heater burst at 2 a.m., soaking her bedroom carpet, her cedar chest of linens, and the lift chair she'd saved three months to buy.
Shield covered the lift chair, linens, and flooring damage. $6,200 covered.
Package Theft
Robert's hearing aids — ordered through Medicare and delivered to his managed apartment lobby — were taken from the mail table before he got downstairs.
Shield covered full replacement value of the hearing aids. $3,850 covered.
Kitchen Fire
A grease fire on Dorothy's stovetop spread to the cabinet above. The kitchen was unusable for eleven days; her signed Audubon prints on the adjacent wall were destroyed by smoke.
Shield covered the prints, temporary housing, and kitchen contents. $14,700 covered.
Visitor Injury
Helen's granddaughter tripped on the threshold rug in her condo, fracturing her wrist. The family faced a medical bill and a potential liability claim.
Shield's liability coverage handled both the medical bills and legal costs. $22,400 covered.
Pipe Burst
A frozen pipe in the unit above James's senior community apartment released in the night, flooding his closet and destroying the wool overcoats, suits, and dress shoes he'd kept since retirement.
Shield covered the full wardrobe replacement at current retail value. $8,100 covered.
Five different days. Five different losses. One policy that covered all of them. Starting at $15/month.
Lock In My RateA+
AM Best Rating
50
States Licensed
24/7
Claims Support
4.8★
Average Claims Rating
$0
Medical Device Deductible Under $2,500
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