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Run Coverage Gap →
Lloyd's of LondonEst. 1688 · Specialty Markets
ChubbA++ AM Best · Masterpiece Policy
LemonadeAI-Powered · Fast Claims
State FarmAll 50 States · Extended RCV
USAAMilitary Families · RCV Standard
Lloyd's of LondonEst. 1688 · Specialty Markets
ChubbA++ AM Best · Masterpiece Policy
LemonadeAI-Powered · Fast Claims
State FarmAll 50 States · Extended RCV
USAAMilitary Families · RCV Standard
Shield Risk Management System v2.6 · Active

Your furniture is worthmore than your coverage.We measured.

Actuarial-grade room-by-room inventory. Replacement cost down to serial number and thread count. The gap between what you own and what you're covered for is larger than you think.

Average Underinsurance Gap · U.S. Homeowners · 2026
$0_
per household · 2 in 3 homes underinsured · Source: Industry Survey 2024
Run Your Coverage Gap→See How It Works
32.8%
Used estimates, not actual replacement cost
$300K
Avg gap reported by fire survivors (AAA)
2 in 3
Homes chronically underinsured in the U.S.
0%
Depreciation applied under Shield RCV policy
PROCESS_OVERVIEW

The Shield Method

Opening a steel filing cabinet and finding every possession already catalogued, valued, and protected.

01

Inventory Scan

Our analysts document every item — sofa, heirloom, appliance — with serial numbers, purchase records, and current replacement cost data.

Room-by-room. Thread count to serial number.
02

Actuarial Valuation

Each item is priced at today's replacement cost, not depreciated ACV. Your 12-year-old sofa is valued at what a new equivalent costs right now.

Zero depreciation. Full replacement cost.
03

Gap Report

We generate a coverage gap report showing the delta between your current policy limits and your actual contents value — line by line.

Every candlestick. Every appliance. Catalogued.
04

Shield Policy Binding

We bind replacement-cost coverage through our carrier network (Lloyd's, Chubb, USAA) with no sublimits on individual high-value items.

Bound in 24 hours. No sublimit surprises.
SPEC_SHEET_01·Single Item Comparison

One armchair. Two very different outcomes.

A sofa purchased 12 years ago for $1,000. Destroyed by fire. Your standard ACV policy pays a fraction of what it costs to replace it today.

Standard Policy
// COVERAGE_TYPE

Actual Cash Value (ACV)

Coverage basisACV — depreciated
Item age considered12 years
Depreciation applied~65–80%
Payout on $1,000 sofa$200–$350
Replacement cost today$1,400 (inflation)
Your out-of-pocket gap$1,050–$1,200
Condition weightingAge-only formula
Sublimit appliedYes — flat rate

⚠ Insurance adjusters often apply flat depreciation rates to save time, which may leave policyholders with a payout that won't cover damages. Age is weighted over condition.

Shield Coverage
// RCV_POLICY

Replacement Cost Value (RCV)

Coverage basisRCV — full replacement
Item age consideredIrrelevant
Depreciation applied0%
Payout on $1,000 sofa$1,400 (today's cost)
Replacement cost today$1,400 — fully covered
Your out-of-pocket gap$0.00
Condition weightingActual condition assessed
Sublimit appliedNone

✓ Shield catalogs each item's current market replacement cost at time of policy binding. No depreciation schedule. No sublimit surprises. Serial number-level precision.

SPEC_SHEET_02·Room-Level Comparison

A full living room suite. Your policy has a ceiling.

Standard personal property coverage is set at 20–50% of dwelling coverage — with sublimits that cap payouts on entire categories of contents.

Standard Policy
// COVERAGE_TYPE

Standard Homeowners Policy

Personal property limit20–50% of dwelling
High-value item sublimit$2,500 cap (typical)
Electronics sublimit$1,500 aggregate
Rugs / art sublimit$2,000 per item
Room inventory on fileNone
Proof of ownership req.Yes — your burden
Dispute resolutionAdjuster discretion
Avg. living room value$35,000–$80,000

⚠ Sublimits are limitations in an insurance policy that place a maximum benefit on specific item categories. Most homeowners discover these limits only at claim time.

Shield Coverage
// RCV_POLICY

Shield Room-Level Coverage

Personal property limitActual inventory value
High-value item sublimitNo sublimits — itemized
Electronics sublimitScheduled individually
Rugs / art sublimitAppraised at market value
Room inventory on fileFull catalog on record
Proof of ownership req.Shield holds all records
Dispute resolutionPre-agreed itemized values
Coverage for $60K room$60,000 — full RCV

✓ Shield conducts a room-by-room inventory at policy inception. Every item is documented, valued, and scheduled — eliminating adjuster discretion at claim time.

SPEC_SHEET_03·Full Property Comparison

An entire furnished property. The gap compounds.

Insurers chronically undervalue furnished properties. They know total losses are rare — so they price policies assuming you'll never discover the gap.

Standard Policy
// COVERAGE_TYPE

Carrier-Default Valuation

Contents valuation methodEstimate-based
Homeowners using estimates32.8% (2024 survey)
Average gap at total loss$47,300 contents
Fire survivor avg. gap$300,000 (AAA data)
High-value furniture coverageSublimited / ACV
Rental property contentsOften excluded
Estate / probate inventoryNot provided
Policy review frequencyAt renewal (if ever)

⚠ Insurers compete for business knowing most homeowners want to pay as little as possible. Chronic undervaluation is a calculated business strategy — not an oversight.

Shield Coverage
// RCV_POLICY

Shield Full-Property Protocol

Contents valuation methodActuarial — item-by-item
Documentation standardSerial no. + thread count
Average gap eliminated$47,300+ recovered
Total loss protection100% RCV — no gap
High-value furnitureIndividually scheduled
Rental property contentsFull landlord protocol
Estate / probate inventoryProbate-ready appraisals
Policy review frequencyAnnual + triggered by change

✓ Shield serves homeowners, landlords (IKEA to Restoration Hardware), and estate executors. Every candlestick appraised before probate. Every appliance catalogued before claim.

COVERAGE_GAP_CALCULATOR

Run Your Coverage Gap

Enter your estimated furnishing value and current policy limit. Shield calculates your exposure in real time.

Total replacement cost of all furniture, appliances, art, rugs, electronics

Found on your declarations page under "Personal Property Coverage"