The average homeowner who purchased before 2018 is underinsured by over $127,000 — without knowing it. Shield recalculates your replacement cost annually and closes the gap before you need to file a claim.
94K+
Policies active
$2.1B
Total coverage managed
97.3%
Claims paid in full
A+
AM Best rating
We guarantee your coverage matches your home's current replacement value — or we pay the difference.
Recalculated annually. No action required.
See Your Coverage GapNo partial settlements on replacement claims
For homes purchased before 2018
From claim submission to funds transfer
Actuarial Methodology
Our actuarial team applies the Marshall & Swift cost index, updated quarterly, against your home's documented square footage, materials, and local labor rates. If our model shows a gap, we close it before renewal — not after a claim.
Your liability doesn't stop at your property line. Neither does our coverage.
Umbrella extension included at no additional premium.
See Your Coverage GapNational median, homeowner incidents 2024
Standard on all Shield policies
Attorney fees, court costs, settlements
Actuarial Methodology
The average homeowner liability claim has increased 34% since 2019. Pool incidents, contractor injuries, dog bites — your deck renovation created new exposure. We model your specific risk profile and extend umbrella coverage automatically.
That kitchen renovation added $40K to your home. We documented every dollar of it.
Annual itemized inventory — no receipts required.
See Your Coverage GapFor homes with post-closing renovations
Current market price, not depreciated value
Submit photos, we handle the rest
Actuarial Methodology
We cross-reference permit records, contractor invoices, and material cost indices to build a living inventory of your home's contents and improvements. When you add a deck or upgrade appliances, your coverage updates within 48 hours — automatically.
If you can't live there, we fund where you do — for as long as it takes.
Up to 24 months. Hotel, rental, or furnished apartment.
See Your Coverage GapAdditional Living Expenses, no cap on cost
Based on 2024 Shield claims data
Pre-approved hotel list available before any claim
Actuarial Methodology
We maintain pre-negotiated rates with 4,200+ hotels and furnished rental providers nationwide. You call one number. We handle booking, billing, and extensions. No receipts to chase. No reimbursement delays. Just a place to sleep while we rebuild.
Real gaps. Real payouts.
Real homeowners.
Every figure cited is drawn from Shield claims data, 2023–2025.
"We renovated our kitchen and master bath in 2022 — total spend around $85,000. When Shield ran their annual review, they found our policy was still based on the original 2011 appraisal. The gap was $143,200. That's a number that keeps you up at night."
Margaret & David Holloway
Westport, CT · Homeowners since 2009
"I'm a financial planner. I recommend Shield to every client with significant home equity. The actuarial methodology is sound, the payout timeline is real — 8 days on our test claim — and the umbrella coverage removes a liability exposure most homeowners don't even know they carry."
Reginald Okafor, CFP
Atlanta, GA · Financial Advisor, 22 years
"A tree took out our garage and part of the kitchen last February. We were in a hotel for eleven weeks. Shield had a pre-approved hotel list ready before the adjuster even arrived. The ALE check covered every night. Not one receipt dispute."
Priya & Thomas Nakashima
Portland, OR · Homeowners since 2014
A+ AM Best Rating
Financial strength, independently verified
Licensed in 50 States
State insurance department regulated
8.2-Day Avg. Payout
Industry average: 21 days
SOC 2 Type II Certified
Your data is never sold or shared
Download the Equity Gap Report
32 pages of actuarial data on why homeowners who purchased before 2018 carry an average $127,400 coverage shortfall — and the three questions to ask your current insurer before your next renewal date.
No spam. Unsubscribe any time. We do not sell your data.