Shelter Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Our Shelter Insurance Company Score
3 Stars
We award Shelter Insurance a final rating of 3 out of 5 stars. The insurance company has excellent ratings from AM Best and the Better Business Bureau (BBB) but is not accredited by the latter organization. The carrier has been around since 1946 but only offers coverage in 21 states and has had many customer complaints filed against it. Still, Shelter offers a variety of personal and business products, ranging from auto insurance to farm insurance and life insurance. The carrier also provides 24/7 claims reporting.
Shelter Insurance Company Pros and Cons
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Shelter Insurance Products by Type
Shelter offers an extensive catalog of insurance products for individuals and businesses. Its coverages include:
Personal vehicle insurance
- Auto insurance
- Motorcycle insurance
- RV insurance
- ATV insurance
- Boat insurance
Personal property insurance
- Renters insurance
- Home insurance
- Dwelling insurance
- Mobile home insurance
- Condo insurance
- Apartment owners insurance
- Personal articles insurance
- Flood insurance
- Umbrella insurance
Life insurance
- Term life insurance
- Permanent life insurance
- Junior special life insurance
Farm insurance
- Farmowners insurance
- Farm property insurance
- Farm liability insurance
- Farm equipment insurance
- Farm livestock insurance
Business Insurance
- Business auto insurance
- Commercial fire insurance
- General liability insurance
- Apartment owners insurance
- Rental dwelling insurance
Your independent insurance agent can help you find more information about the coverages offered by Shelter and help you decide if this insurance company is right for you.
Shelter Insurance Personal Auto Insurance
Shelter Insurance offers personal auto insurance policies that include all the standard protections you'd expect to find, as well as some extras.
Coverage types, features, and benefits
New car replacement coverage
Shelter's new car replacement coverage can pay to replace a totaled vehicle with less than 15,000 miles on it with one of the same year, make, and model.
Accidental death coverage
Shelter's optional accidental death coverage offers a payout if the policyholder or their spouse dies in a car crash, with the option to extend coverage to other family members.
Disability income coverage
Shelter offers optional disability income coverage for up to one year for policyholders who are involved in an auto accident and unable to return to work.
Gap insurance
Shelter offers optional gap insurance to cover the gap between what's still owed on a vehicle loan or lease and its current actual cash value if it's declared a total loss.
Shelter Insurance Personal Auto Insurance Average Prices
We pulled average quotes for personal car insurance from Shelter Insurance by policy type.
| Car Insurance Policy Type | Average Monthly Cost of Car Insurance |
|---|---|
| Minimum coverage | $70 |
| Full coverage | $180 |
| Full coverage for teen drivers | $416 |
Shelter Insurance Homeowners Insurance
Homeowners insurance from Shelter Insurance offers the standard protections you'd expect to find in a home insurance policy, plus a few extras.
Coverage types, features, and benefits
Inflation protection coverage
Shelter's inflation protection coverage can provide compensation to repair or rebuild the home if the expenses exceed the dwelling coverage limit.
Business protection coverage
Shelter's business protection coverage can cover commercial property and more for home-based businesses.
Increased computer coverage
Shelter's increased computer coverage provides higher limits for policyholders to replace or repair their computers after a covered disaster.
Farm protection coverage
Shelter's farm protection coverage protects certain farming equipment and operations on your property.
Dock and piers coverage
Shelter's dock and piers coverage can pay to repair or replace your dock or pier if it gets damaged or destroyed by a listed peril, which typically excludes flooding.
Shelter Insurance Home Insurance Average Prices
| The average cost of a home insurance policy from Shelter Insurance |
|---|
| $1,354 per year |
What Discounts Does Shelter Offer?
Shelter offers many competitive discounts on its products, especially for auto insurance. Its discounts include:
- Safe driver discount: Offered to auto insurance customers who have remained accident and violation-free for three consecutive years.
- Pay in full discount: Offered to auto insurance customers who pay their premiums in full every six months or yearly, rather than monthly.
- Good student discount: Offered to auto insurance customers who are students that maintain a good grade average, are unmarried, and are under age 25.
- Companion life discount: Offered to auto insurance customers who also have a life insurance policy through Shelter.
- Passive restraint discount: Offered to auto insurance customers whose insured vehicles have factory-installed airbags and automatic seatbelts that meet federal safety standards.
- Multicar discount: Offered to auto insurance customers who insure more than one vehicle through Shelter.
- Bundling discount: Offered to customers who have both home insurance and auto insurance through Shelter.
- Safety courses discount: Offered to auto insurance customers who complete an accident prevention course.
Your independent insurance agent can help you find even more information about discounts offered by Shelter and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Shelter Customer Service
Shelter encourages claims reporting through the website, but also offers phone claims reporting at any time. The carrier provides the following customer service options:
- Online claims reporting
- 24/7 phone claims reporting
- Snail mail
- Online bill pay
- Customer service hotline has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7 am - 10 pm | ||
| Saturday | 7 am - 10 pm | ||
| Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle your claims and other concerns so you can relax and enjoy your coverage.
Shelter Insurance FAQs
Shelter allows customers to file claims anytime over the phone or online. However, the insurance company does not provide a claims response timeframe promise.
Shelter allows customers to file claims at any time online or over the phone. The carrier's hotline for customer service inquiries is available at generous hours, Monday-Saturday. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, Pinterest, Vimeo, YouTube, Instagram, and LinkedIn, which makes them more accessible to customers.
Shelter allows its customers to file claims anytime. However, the insurance company does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or email, or get in touch with their independent insurance agent.
Shelter’s official website feels dated. There's also not much detail about a claims process or claims response timeframe provided, which could deter some prospective customers who are seeking coverage. However, Shelter does provide 24/7 claims reporting through the website or over the phone and has an extensive social media presence. So, while Shelter isn’t the most user-friendly carrier around today, it's certainly far from the least.
Shelter offers a variety of coverages for individuals and businesses, but got its start by offering affordable auto insurance. Its auto policies come with the following coverage options:
- Bodily injury and property damage liability
- Roadside assistance
- New car replacement
- Collision coverage
- Comprehensive coverage
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist coverage
- Rental reimbursement
- Accidental death coverage
- Disability income coverage
- Gap insurance
- Loss of use coverage
Shelter offers several forms of auto insurance, including coverage for RVs, ATVs, and motorcycles. Your independent insurance agent can help you find out even more about the insurance company’s auto coverage, as well as its many other products offered.
You may be wondering, "Is Shelter Insurance good?" Shelter has been around since 1946 and is rated by both AM Best and the BBB. However, Shelter has had quite a few complaints filed against it through the latter organization in recent years and is not accredited by them. Customer feedback also seems to be alarmingly negative. The insurance company offers 24/7 claims reporting and has solid financial strength.
https://www.shelterinsurance.com/aboutshelter/
https://www.valuepenguin.com/shelter-insurance-review
https://www.nerdwallet.com/reviews/insurance/shelter
https://www.bankrate.com/insurance/reviews/shelter/
https://www.investopedia.com/shelter-auto-insurance-review-5213703
https://news.ambest.com/pr/PressContent.aspx?refnum=33837&altsrc=2
https://www.bbb.org/us/mo/columbia/profile/insurance-companies/shelter-insurance-corp-office-0734-110120650/customer-reviews
https://www.consumeraffairs.com/insurance/shelter-auto-insurance.html
https://clearsurance.com/insurance-reviews/shelter-mutual-insurance-company-5835ece073b103329e91abc7