Rated #1 Senior Renter Coverage
2024
A+ AM Best Carrier
Financial Strength
4.9★ from 12,400 Policyholders
Ages 75+
No Age Cutoff
Up to 99 years old
Renters Insurance That
Doesn't Forget About You.
Coverage built for renters 75 and older — whether you're in assisted living, a downsized condo, or a spare room at your grandchild's house.
Average monthly premium
No age cutoff. No medical exam. No surprises.
No credit card. No phone calls unless you want one. Cancel any time.
97%
of applicants 75+ approved same day
Question 1 of 4
Am I too old to get renters insurance?
No. Shield was built precisely because most carriers stop writing new policies after 70 or 75. We cover renters up to age 99 with no medical exam and no age-based surcharge. Your age tells us you have decades of careful living behind you — not that you're a liability.
Answered — no fine print.
$28,400
average personal property value in assisted-living units
Question 2 of 4
What if I live in assisted living or a care community?
Assisted-living facilities are covered as your primary residence — full stop. Your personal belongings (furniture, clothing, jewelry, electronics, medical equipment) are protected against theft, fire, and water damage. Liability coverage means if a visitor slips in your room, you're protected. The facility's policy covers the building; yours covers you.
Answered — no fine print.
$50K
personal property protection, standard
Question 3 of 4
What does it actually cover — and what does it not?
Shield covers personal property (up to $50,000), personal liability ($100,000 default), and additional living expenses if you're temporarily displaced. It does not cover the structure itself, a car in the parking lot, or flooding from outside the building (a separate flood policy handles that). We tell you what's excluded in plain language — no footnotes, no asterisks.
Answered — no fine print.
< 4 min
average time from quote to active policy
Question 4 of 4
How fast can I get covered?
Enter your zip code and date of birth. We show your rate in under 10 seconds. Confirm the details, pay the first month, and your coverage starts the same day — sometimes within the hour. Your policy document arrives by email in a large-print PDF. If you'd rather talk to a person first, our advisors are available 8am–8pm ET, seven days a week.
Answered — no fine print.
See your exact rate in 10 seconds.
No credit card. No phone number. Just your zip and birthday.
Real policyholders, real outcomes
12,400 people 75+ who got covered.
"I'd been turned down by three companies because of my age. Shield approved me in four minutes. My daughter cried when she saw the email confirmation. Simple, honest, and finally — coverage that didn't make me feel invisible."
Dolores Whitfield
Age 81 · Scottsdale, AZ
Assisted-living resident
"My financial advisor bundled Shield into my retirement plan review. At $13 a month I was skeptical it was real coverage — then I had a small kitchen fire. They paid out $4,200 in eleven days. No argument, no adjuster runaround."
Raymond Kowalczyk
Age 78 · Fort Lauderdale, FL
Downsized condo renter
"Our son set it up on his phone while we were having breakfast. By the time we finished our coffee we were covered. The large-print PDF actually printed in large print. That sounds small but it's not — it means someone thought about us."
Margaret & Tom Osei
Age 76 · Portland, OR
Renting a room at their son's home
The honest comparison
Shield vs. what you've been offered before.
Most standard renters policies weren't designed with you in mind. Shield was.
Coverage feature
Shield
Typical Policy
Covers renters age 75–99
Personal property up to $50,000
Assisted-living units covered
No age-based premium surcharge
Personal liability $100,000+
Same-day coverage start
Large-print policy document
Medical equipment covered
No medical exam required
Dedicated senior claims line
Starting at
$11/mo
Often unavailable
Ready when you are
Coverage that starts today.
Cancel any time.
You've read every question. You know what's covered and what isn't. Two fields and thirty seconds stand between you and active coverage.
Advisors available 8am–8pm ET · 7 days a week · (800) 555-0191