Most renters are sitting on $15,000–$40,000 in unprotected assets. The coverage audit below takes three minutes and shows you exactly where your policy fails before you need to find out the hard way.
Scroll to begin your audit ↓
Step 2 of 3
Six questions. Answer honestly. The sidebar tracks your risk score in real time.
Do you have any renters insurance right now?
Many renters assume their landlord's policy covers their belongings. It doesn't.
Does your current policy cover remote-work equipment?
Standard renters policies cap electronics at $1,500–$2,000. A single laptop theft can exceed that.
Are you protected if a guest is injured in your apartment?
If someone slips in your bathroom, your landlord's insurance won't cover your legal costs.
Are your belongings covered when they're not at home?
A stolen laptop from a coffee shop or a camera lost at the airport — most basic policies won't pay.
Does your policy cover water damage from a neighbor's unit?
The upstairs bathroom floods. Your furniture, your laptop, your floors — who pays?
Would you have somewhere to stay if your apartment became unlivable?
A fire in the building or burst pipe can displace you for weeks. Hotel costs add up fast.
What Shield covers
Up to $15,000 — laptops, monitors, external drives, cameras
Theft, damage, and off-premises loss covered
$100,000 standard · $300,000 available
Burst pipes, neighbor floods, appliance leaks
Hotel, meals, storage — up to 12 months
Vinyl, instruments, art — scheduled items
Real claims, real payouts
"The upstairs unit flooded on a Sunday night. Shield had a claims adjuster on the phone by 9 AM Monday and cut a check for $11,400 within six days. My old insurer took three weeks just to acknowledge the claim."
Marcus Osei
Product Manager, renting in Chicago
"My camera bag was stolen from my car — $4,200 in gear. I'd been told cameras weren't covered off-premises. Shield covered every single item, including the lens I bought last month."
Priya Venkataraman
Photographer, renting in Austin
"A contractor working in my apartment damaged my neighbor's unit. My previous insurer said it was 'contractor liability.' Shield's legal team handled the entire dispute. I paid nothing."
Daniel Ferreira
Architect, renting in Boston
Step 3 of 3
Three fields. Thirty seconds. You'll receive a personalized PDF detailing every gap identified in your audit, with specific dollar amounts at risk and Shield's recommended coverage for each.
Your report includes
Itemized list of coverage gaps found in your audit
Dollar value of unprotected possessions by category
Side-by-side: your current coverage vs. Shield
Estimated monthly cost to close every gap