An In-Depth Review Of Shelter Insurance 2022

By | January 16, 2023

Since 1946, Shelter Insurance’s commitment to customers has been strong, and to this day, they still provide the same high-quality service they offered when they first began.

From the inception of Shelter Insurance, they took pride in their customer-focused approach and tried hard to achieve the best possible results for protection buyers with every plan they sold.

Today, that’s still true – they anticipate customers’ needs as well as enhance their overall protection plan.

Known for offering auto, property, business, and life insurance, it operates in fifteen states and has its headquarters in Columbia, Missouri.

Shelter Insurance 2022 – Check out the 15 states below

Arkansas Colorado Illinois Indiana Iowa
Kansas Kentucky Louisiana Mississippi Missouri
Nebraska Nevada Ohio Oklahoma Tennessee

We at are proud to present our review of Shelter Insurance.

As experts in this field, we feel that this is the best way available for you to research if Shelter Insurance is a worthy investment for yourself.

Shelter car insurance

Shelter car insurance 2022

Shelter car insurance 2022

Whether you have a personal car, a business car, or both, Shelter vehicle insurance coverage covers it all.

Among the Shelter reviews from policyholders, the most common praise is that the company offers perks like roadside assistance and new car replacement in addition to its basic liability coverage.

  • Cost of Shelter car insurance

The cost of auto insurance for shelters can be as low as $655 for the bare minimum coverage, up to $2,199 for full coverage, which includes liability, collision, and comprehensive coverage.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$655 $2,199

The rate you pay for your Shelter auto insurance is influenced by a number of factors.

Among them are:

  • Your state’s minimum insurance requirements
  • Vehicle type
  • Age
  • Neighborhood
  • Driving history
  • Credit score

Types of coverage

  • Liability:  

Most of these policies are tailored to provide the minimum coverage required by state law, and they cover both property damage and bodily injury.

As an added benefit, you can also receive roadside assistance and a replacement vehicle.

  • Collision: 

When you have an accident, this coverage will help pay for the repairs or replacement of your vehicle if it is damaged.

  • Comprehensive: 

This policy adds to collision insurance by covering damage not caused by a crash, such as natural disasters, weather, hail, and floods.

Additionally, it provides coverage for theft, vandalism, and fire.

  • Gap insurance: 

In the event that your vehicle is declared a total loss, gap coverage will cover the remaining balance owed if it is higher than the value of your vehicle when it was declared a total loss.

  • Medical payments: 

Ensure that your medical, dental, and funeral expenses are covered as well as those of anyone traveling with you.

  • Personal injury protection (PIP): 

In some states, personal injury protection, or PIP as it is commonly known, is mandatory. 

During the time during which you are recuperating, PIP will pay your expenses.

  • Uninsured/underinsured motorist: 

The insurance protects against physical harm and property damage if someone else damages your property or injures you without adequate insurance. 

If the at-fault driver is unable to pay for your claim, UM/UIM steps in to compensate you.

  • Rental reimbursement: 

During the period that your vehicle is being repaired or replaced, the company covers the cost of a rental car.

  • Accidental death: 

In the event that you or your spouse are involved in a vehicle accident, the policy will pay a death benefit.

  • Loss of use: 

When your car is in the shop because of a loss, this is a payment made to you.

Shelter home insurance 2022

Shelter home insurance 2022

Shelter home insurance 2022

Providing homeowners across all types of housing with comprehensive coverage is the Shelter Insurance Company’s key focus.

Shelter offers many types of home insurance coverages that are tailored to meet your individual needs based on the type of house you live in.

  • How Much Does Shelter Insurance Cost?

There are a number of factors that contribute to the price of Shelter homeowners insurance, such as the cost of your property, its size, construction material, where you live, the limits of your coverage, and the deductible you choose.

Types of coverage

  • Homeowners

In the event that your home’s structure and your personal property are damaged, you are covered with comprehensive coverage.

  • Dwelling

These policies are specifically designed for people who are not required to carry full homeowners insurance by their lender mortgage company.

  • Condo

Shelter’s condo insurance covers all assessments levied on condo owners for repairs in a communal area.

  • Apartments owners

It is aimed at owners who rent out their properties.

  • Mobile home

This insurance policy covers mobile homes, contents, and other elements such as anchors, tie-downs, and underpinning.

  • Personal articles

Generally, items of high value, such as jewelry, art, or collectibles, would not be covered by a standard homeowners insurance policy.

Shelter life insurance 2022

Shelter life insurance 2022

Shelter life insurance 2022

When the company began, it offered life insurance as one of the first types of coverage that it provided.

The company began as MFA Life Insurance in 1959 and reached $1 billion in volume in 1975.

Types policies offered

  • Term: 

These are policies that can be afforded for a specific period like 10, 20 or 30 years.

  • Permanent: 

There is a cash value element to life insurance that can be accessed at any time with no expiration date.

  • Child: 

This is an insurance policy that can be purchased for kids or grandchildren who are 17 years or younger.

Shelter ratings, reviews, customer satisfaction and complaints

Shelter Insurance reviews
J.D. Power Customer Satisfaction Study Auto: Number one with 858 out of 1,000 points in the Central region
NAIC customer complaint index Property: 7.11 (above average)
Life: 0.40 (below average)
AM Best financial strength rating A

Reasons why Shelter is a good option

If you are looking for a quality insurance policy at a reasonable price, Shelter is a good choice for you.

Additional benefits, such as free roadside assistance for insured vehicles, and options to choose between replacement and cash value, may be available, depending on your state and type of policy.

One of the many insurance savings that Shelter offers is a discount on life insurance.

When you combine your home, car, and life insurance plans, the amount of savings you can get can be maximized.

How do I file a claim with Shelter?

You can make a claim by phoning 1-800-SHELTER or you can log in to your account at Shelter Insurance and make the claim online.

Company Information

  • Company name: Shelter Insurance
  • Company type: Public
  • CEO: Matt Moore
  • Year founded: 1946
  • Headquarters: 1817 1 Broadway, Columbia, MO 65218
  • State availability: 14
  • BBB rating: A+

Contact Information for the Shelter Insurance

Address 1817 West Broadway – Columbia, MO 65218
Phone 1-800-743-5837