What does your apartment actually cost to protect?
Drag the sliders. Your real quote updates instantly — no email required.
Save your estimate
Get a free PDF coverage snapshot
Your estimated monthly premium
Personal Property
$8,000
Liability Coverage
$100,000
Loss of Use
$5,400
Deductible
$500
What's covered in your space
How Shield stacks up
Every cell where Shield wins is highlighted in teal. Spoiler: it's most of them.
"Abstract coverage" is a terrible pitch.
These are actual scenarios. These are the dollar amounts Shield paid out.
$2.1M
paid out in 2025
97.3%
claims approved
Stolen Bike
Marcus T. · Brooklyn, NY
$950
paid out
Locked in the hallway of a Brooklyn apartment building. Gone by morning.
↓ Click for full story
Laptop Water Damage
Priya S. · Austin, TX
$1,600
paid out
A roommate's plant knocked a full glass of water onto a work MacBook.
↓ Click for full story
Kitchen Fire
Jordan & Alexis R. · Chicago, IL
$8,400
paid out
Grease fire spread from the stove. Smoke and heat damaged the whole unit.
↓ Click for full story
Burst Pipe at 2 AM
Devon & Camille W. · Seattle, WA
$5,200
paid out
The upstairs unit's pipe burst. Water flooded through the ceiling into their living room.
↓ Click for full story
We ask for the minimum.
You get the maximum.
Progressive disclosure means we only ask for what we need, when we need it. No 40-question forms.
Enter your zip code
We check local risk data and average rental rates in your neighborhood. Takes 3 seconds.
No personal info yet. Just your zip.
Confirm your email
We send a one-click magic link. No passwords. Your quote is saved and waiting.
We never sell your email. Ever.
Review your belongings estimate
Your slider values are pre-filled. Adjust anything. Add a roommate for $2/month.
Takes about 60 seconds to review.
Add payment — you're covered
Card number is the final step. Coverage starts the same day. Cancel anytime with no fees.
Average checkout time: 47 seconds.
Ready when you are.
Your estimate is already calculated. The next step takes 90 seconds.
People like you. Apartments like yours.
12,400+ renters covered across the US. Average review: 4.9 stars.
"Signed my lease on a Friday, had Shield set up by Sunday night. The estimator literally showed me I was underestimating my stuff by $4,000."
Keisha Okafor
UX Designer, 26 · Brooklyn, NY
"My bike got stolen from the building parking garage. Filed the claim at 11pm from my phone. $820 hit my account 29 hours later. I was shocked."
Tyler Reyes
Software Engineer, 28 · Austin, TX
"My roommate and I split the cost. Adding her took about 40 seconds. It's $2 a month — literally one less coffee."
Divya Krishnamurthy
Graduate Student, 24 · Chicago, IL
"I was skeptical about another 'app-first' insurance thing. But the comparison table made it obvious. I was paying $19/mo for worse coverage."
Marcus Webb
Marketing Manager, 31 · Seattle, WA
"The pipe burst at 2:30 AM. I was panicking. The claims rep picked up in 4 minutes. That's when I knew this wasn't a normal insurance company."
Camille Fontaine
Nurse Practitioner, 27 · New Orleans, LA
"Moved from Denver to NYC for a new job. Transferred my policy in about 8 minutes — they even updated my premium based on the new zip code automatically."
Aiden Park
Financial Analyst, 25 · New York, NY