SHIELDOne marriage. One lease. One policy. Compare in 90 seconds.
EverythingYou Both Own.One Policy.
Between two closets, two laptops, and one espresso machine neither will admit cost four figures — you own enough to fill a small claims court if a pipe bursts.
RATES VARY BY STATE
Side-by-Side Breakdown
| Carrier | LEMONADEA- | JETTYB+ | STATE FARMA++ | USAAA++ |
|---|---|---|---|---|
Monthly PremiumEstimated monthly cost based on your combined asset value. Actual rates vary by state and underwriting. | $13/mo | $14/mo | $13/mo | $11/mo |
DeductibleAmount you pay out-of-pocket before insurance kicks in. Lower is generally better. | $500 | $1,000 | $500 | $500 |
Liability LimitMaximum payout if someone is injured in your home or you damage someone else's property. | $100k | $100k | $300k | $300k |
Coverage TypeReplacement Cost pays to buy new equivalent items. Actual Cash Value deducts depreciation — you get less. | Replacement Cost | Replacement Cost | Replacement Cost | Replacement Cost |
Wedding Gift SurgeTemporary 30-day coverage increase for gifts received at your wedding or on your registry. | Included | Included | Add-on | Add-on |
Guest MedicalPays medical bills if a guest is injured in your home, regardless of fault. | $1,000 | $1,000 | $1,000 | $1,000 |
| Select |
When the Abstract Becomes Visceral
The monthly number only makes sense when you know what it buys. Real claim scenarios, real costs.
Burst Pipe
Pipe in the wall lets go at 3am. Water damage across the kitchen and living room. Your laptops, vinyl collection, and that espresso machine.
| Carrier | What They Pay | Your Deductible |
|---|---|---|
| LEMONADE | Full replacement cost | $500 |
| JETTY | Full replacement cost | $1,000 |
| STATE FARM | Full replacement cost | $500 |
| USAA | Full replacement cost | $500 |
The Numbers Are Real
Rates pulled daily from Lemonade, Jetty, State Farm, USAA public APIs and verified against carrier quote pages.
Every estimate is labeled. Final pricing is set by carrier underwriting — we show you the math so you can verify it yourself.
Shield earns a referral fee from carriers when you purchase. This never affects the rates shown — carriers set their own prices.
ZIP code and asset value stay in your browser session. Email addresses are used only to send your comparison — never sold or shared.