off-campus students experiences theft or property damage before graduation.
Bureau of Justice Statistics, Campus Crime Report 2024. The average loss: $1,847 — nearly a full semester of textbooks.
Avg. Theft Loss by Item Category
Personal Property Coverage
Shield Policy · Article 3.1
Shield covers the replacement cost of your belongings — not the depreciated value. Your 2-year-old MacBook gets replaced with a new MacBook, not a $400 payout.
Replacement Cost Value: We pay what it costs to replace today, not what it was worth when you bought it.
average water damage claim in a multi-unit apartment building.
Your landlord's policy covers the building. It does not cover your belongings, your furniture, or the cost of temporary housing while repairs happen. That liability is yours.
Annual Cost: Coverage vs. No Coverage
Shield costs less than a single meal out per month.
Water & Property Damage
Shield Policy · Article 4.2
Burst pipes, leaking roof, neighbor's overflowing tub — Shield covers sudden and accidental water damage to your belongings, plus temporary housing costs while your unit is repaired.
Belongings Replacement
Up to $50,000Furniture, electronics, clothing damaged by water
Additional Living Expenses
Up to $5,000Hotel, meals, storage if your unit is uninhabitable
Accidental Damage
Up to $1,500You spilled water on your own laptop — covered
Parent note: Shield's liability coverage also protects you if your student accidentally damages the landlord's property.
of international students arrive with belongings worth over $5,000 — and zero coverage.
Two suitcases. One laptop. A camera. Sheet music. Lab equipment. Everything you own, crossing an ocean — and your home country's policy stopped at the border.
Coverage Gap Analysis
International & Study-Abroad Coverage
Shield Policy · Article 6.4
Shield was built for the American college rental market — which means it covers F-1 and J-1 visa holders, sublets, and semester-long study-abroad apartments from day one.
F-1 & J-1 Visa Holders
No citizenship required
Sublets & Sublease
No formal lease needed
Study Abroad Apartments
Coverage travels with you
In-Transit Belongings
Covered during moves
Liability Protection
$100K per incident
Dorm Rooms
All campus housing types
For international students: Shield's policy documentation is accepted by most US university housing offices as proof of renters insurance.
The International Student Coverage Guide
12-page PDF · Free download · No credit card
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The claims speak for themselves.
98.6% of Shield claims are paid within 48 hours. These are four of them.
"My gaming rig got stolen during move-in week. Filed a claim Monday morning, had $1,600 in my account by Wednesday. I didn't even know renters insurance could work that fast."
Marcus T.
Junior, University of Michigan
"As a parent co-signing my daughter's lease, I needed to know she was protected. Shield gave me a policy document the leasing office accepted same day."
Patricia Okonkwo
Parent, Boston University
"I came from Seoul with everything I own. Shield was the only policy that covered F-1 visa holders with no US credit history. Setup took 4 minutes."
Ji-ho Yoon
International Student, Columbia University
"The upstairs apartment flooded and water came through my ceiling. My MacBook, my textbooks, my desk — gone. Shield paid $3,200. My landlord paid nothing."
Danielle Moreau
Senior, NYU
Paid in 31 hours
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