Insurance Made Clear
Stop guessing your coverage. Shield's free calculators help you understand exactly how much life, auto, home, and disability insurance you need — instantly, privately, right in your browser.
Find your perfect coverage
Four powerful tools to estimate exactly what you need — no signup, no cost, no pressure.
Life Insurance
Calculate how much life insurance your family needs using the proven DIME method.
Open calculator →Auto Insurance
Estimate your monthly premium and the right coverage types for your vehicle.
Open calculator →Home Insurance
Find the right dwelling, property, and liability coverage for your home.
Open calculator →Disability Insurance
Discover your income protection needs and any coverage gap you may have.
Open calculator →Built for clarity & confidence
Insurance guidance that respects your privacy, your time, and your wallet.
100% Private
Every calculation runs in your browser. Your numbers never leave your device — no servers, no tracking, no accounts.
Instant Results
Real-time estimates that update as you type, with clear breakdowns and visual charts. No waiting, no reloading.
Trusted Methods
We use established formulas like the DIME method and industry standards, explained in plain language you can trust.
Expert Reviewed
Every calculator is reviewed against current industry guidance so you get estimates you can actually rely on.
Three steps to smarter coverage
Choose a calculator
Pick the tool that matches your needs — life, auto, home, or disability insurance.
Enter your info
Answer a few simple questions. Everything stays private in your browser, never uploaded.
Get instant estimates
See clear coverage recommendations with plain-language explanations and visual breakdowns.
Save more on insurance
Quick, proven moves that lower your premiums without sacrificing protection.
Review coverage annually
Life changes fast. Re-check your policies each year to make sure coverage still fits your needs.
Bundle for discounts
Combining auto and home insurance with one carrier can unlock savings of 10–25% on both.
Raise your deductible
A higher deductible lowers your monthly premium — ideal if you have an emergency fund to cover it.
Shop around every renewal
Loyalty doesn't always pay. Compare quotes at renewal to keep your rates competitive.
Frequently asked questions
Everything you need to know about insurance coverage
How much life insurance do I actually need?+
What's the difference between liability and full coverage auto insurance?+
How is my home insurance coverage amount determined?+
Are these calculators really free and private?+
Protect what matters most
Get clear, instant answers about your insurance needs — free and private.
Start calculating →