Your Family Grew.
Did Your Coverage?
Three questions. Thirty seconds. A precise picture of exactly how much your household is exposed — and what it costs to fix it tonight.
Recommended Coverage
$37k
Liability Protection
$125k
Electronics Rider
$5k
Est. Monthly
$71
Avg. Claim Value
By household composition · US 2024 data
Adding a second child increases average claim value by 64% — mostly nursery furniture, stroller replacement, and liability exposure.
The Coverage Gap
Every child added quietly voids last year's policy.
The average renter's policy is written for the household that existed at signing. A second crib, a new stroller, medical equipment, and an upgraded home office can add $18,000–$31,000 in uninsured replacement value before the renewal notice arrives.
73%
of new parents are underinsured within 6 months of birth
$22k
average gap between coverage and actual belongings value
Replacement Cost Reality
Your landlord's policy covers the walls. Nothing inside them.
Standard renters policies cap individual categories at amounts set years ago. Select a category to see the real replacement cost versus what most policies actually pay out.
Nursery & Baby Gear
Typical growing-family household
You'd be out of pocket
$3,600
Coverage gap
75%
Field Reports
Real families. Real gaps. Real numbers.
I ran the calculator at 11pm the night we got home from the hospital. We were $34,000 underinsured and didn't know it. Shelter showed me the exact gap before I even talked to an agent.
Rachel M.
New parent · Brooklyn, NY
We moved into a bigger rental and I assumed our old policy transferred. It didn't cover the home office setup, the nursery, or the new appliances we brought. The breakdown by category was eye-opening.
David & Priya S.
Expecting second child · Austin, TX
The checklist alone was worth it. I didn't realize my breast pump, the baby monitor system, and the CPAP machine I'd had for years were all in a gray zone. Shelter flagged all three.
Tamara W.
Family of 4 · Chicago, IL
Personalized Report
Download Your Custom Coverage Report
Based on your calculator inputs, we'll generate a PDF showing your exact coverage gaps, recommended riders by category, and estimated costs — segmented for your family's current stage.