Castle Shields is a voluntary, member-driven home cost-sharing community. Members voluntarily contribute to a shared fund each month. When a fellow member experiences an eligible home event, contributions from the shared fund may be voluntarily directed toward that member's need. Castle Shields is not insurance. It is not a warranty, service contract, or any form of risk-transfer product. Membership does not create a contract, entitlement, or legal right to payment. All sharing is voluntary and never guaranteed.

Insurance involves the transfer of risk from an individual to an insurer in exchange for a premium, creating a binding contractual obligation to pay. Castle Shields does none of these things. There is no risk transfer. There is no underwriting. There is no binding agreement to pay. Members make voluntary contributions to a shared fund, and sharing from that fund is entirely voluntary and subject to availability. No member and no entity within Castle Shields has a legal obligation to pay any other member's expenses. Castle Shields does not engage in the business of insurance as defined under the Texas Insurance Code.

Members make voluntary monthly contributions to the community's shared fund. These contributions are not premiums. They do not create any contractual obligation, entitlement, or expectation of return. Contribution amounts are outlined in the membership materials. Members may stop contributing and withdraw from the community at any time, for any reason.

If you experience an unexpected home event — such as a plumbing issue, electrical problem, or appliance malfunction — you may submit a sharing request through the Castle Shields member portal. You will describe the event and provide relevant documentation. Castle Shields will review your request in accordance with the Member Guide to determine whether it describes an eligible need. If it does, and if the shared fund has sufficient resources, contributions from the fund may be voluntarily directed toward your need. Sharing is never guaranteed, and Castle Shields has no obligation to direct funds toward any sharing request.

Castle Shields membership is available to homeowners and property managers in most U.S. states. At this time, Castle Shields is not available in Hawaii, Florida, Alaska, or California. If you are unsure whether membership is available in your state, please contact us for more information.

Yes. Members are always free to choose any licensed, qualified home-service professional of their choosing. Castle Shields does not assign, direct, or schedule providers. The Castle Shields provider directory is available as a reference tool, but its use is never required. All arrangements between a member and a provider are made directly between those parties.

All sharing through Castle Shields is voluntary and subject to fund availability. If the shared fund does not have sufficient resources to support a sharing request, Castle Shields is under no obligation to direct funds toward that request. No member and no entity within Castle Shields has a financial or legal obligation to contribute additional funds. Members remain personally responsible for all home-related expenses at all times, regardless of whether sharing occurs.

Members may withdraw from the Castle Shields community at any time, for any reason. Participation is always voluntary. To withdraw, simply notify Castle Shields through the member portal or by contacting our membership team. There are no cancellation fees, penalties, or long-term commitments.