Shelter Insurance Review & Ratings (2023)

Company Details

Address: 1817 West Broadway

City: Columbia

State: MO

ZIP Code: 65218

Phone Number: (573) 445-8441

Fax: (573) 446-5730

Website: shelterinsurance.com

AM Best Rating: A

4.16 (421 reviews)

Are you in the market for insurance? Look no further than Shelter Insurance. With a commitment to customer satisfaction, a variety of coverage options, and discounts available to qualifying customers, Shelter Insurance is a top choice for those in need of coverage.

Founded in 1946, Shelter Insurance has been providing top-quality insurance coverage to individuals and families for over 75 years. With a mission to provide excellent customer service, Shelter Insurance is dedicated to helping its customers find the coverage they need at a price they can afford.

Interesting Attributes:

• Offers a variety of coverage options to meet the unique needs of each customer
• Committed to providing excellent customer service
• Discounts available to qualifying customers

Read on to learn more about the company’s history and mission, its products and services, the cost of those services, where they offer coverage, and customer reviews.

History and Mission of Shelter Insurance

Shelter Insurance was founded in 1946 in Columbia, Missouri, by a group of Missouri farmers who were looking for affordable insurance coverage for their homes and farms. Over the years, the company expanded its offerings to include auto insurance, life insurance, and other types of coverage.

Shelter Insurance has always been committed to providing excellent customer service. They believe in being a reliable, trustworthy partner to their customers and are dedicated to helping them find the coverage they need at a price they can afford. This commitment to customer satisfaction is evident in the way the company interacts with its customers, whether it’s through its online portal or over the phone with one of its customer service representatives.

In addition to providing quality insurance coverage to their customers, Shelter Insurance also gives back to the communities they serve. They are involved in a number of community organizations and support a variety of charitable causes. The company’s mission is not just to provide insurance coverage but also to make a positive impact on the lives of those around them.

Overall, Shelter Insurance’s history and mission reflect a company that is dedicated to providing high-quality insurance coverage and exceptional customer service to its customers while also giving back to the communities they serve. This commitment to excellence has helped Shelter Insurance become one of the most respected and trusted insurance providers in the United States.

Shelter Insurance Products and Services

Shelter Insurance offers a wide range of insurance products and services to meet the needs of individuals, families, and businesses. The company’s products and services include:

• Auto insurance: Shelter Insurance offers various types of car insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. They also offer optional coverages such as roadside assistance and rental reimbursement.
• Homeowners insurance: Shelter Insurance offers homeowners insurance that covers property damage, personal liability, and medical payments. They also offer additional coverages such as flood insurance, earthquake insurance, and personal property replacement.
• Renters insurance: For those who rent, Shelter Insurance offers renters insurance that covers personal property, liability, and loss of use. They also offer optional coverages such as identity theft protection and pet damage coverage.
• Life insurance: Shelter Insurance offers several types of life insurance, including term life, whole life, and universal life. These policies provide coverage in the event of death and can also provide benefits while the policyholder is still alive.
• Business insurance: Shelter Insurance offers a variety of insurance products for small and large businesses, including commercial property insurance, general liability insurance, and workers’ compensation insurance.

The cost of Shelter Insurance products and services varies depending on a number of factors, such as the type of coverage, the amount of coverage, and the location of the insured property. The company offers competitive pricing and strives to provide affordable insurance coverage to its customers.

States Where Shelter Insurance Is Offered

Shelter Insurance offers coverage in several states across the United States, including:

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

Exact insurance offerings may differ from state to state.

How much does Shelter Insurance cost?

The cost of Shelter Insurance varies depending on several factors, such as the type of coverage you need, the amount of coverage you require, and your location. For example, the cost of car insurance will depend on factors such as the make and model of your car, your driving record, and the level of coverage you need. Similarly, the cost of homeowners insurance will depend on the value of your home, the location of your property, and the amount of coverage you need.

To get an accurate quote for Shelter Insurance, you can visit their website and fill out a form with your information. Alternatively, you can contact the company directly to speak with an agent who can help you determine the cost of the coverage you need.

It’s important to note that while cost is an important factor to consider when choosing an insurance provider, it’s not the only factor. You should also consider the level of coverage you need, the company’s reputation for customer service, and any discounts or special offers that may be available to you.

Shelter Insurance Discounts

Shelter Insurance offers a variety of insurance discounts to help their customers save money on their insurance premiums. Here are some of the most common discounts that Shelter Insurance offers:

• Multi-policy discount: If you have multiple insurance policies with Shelter Insurance, such as car insurance and homeowners insurance, you may qualify for a multi-policy discount.
• Safe driver discount: If you have a good driving record with no accidents or moving violations, you may qualify for a safe driver discount.
• Good student discount: If you are a student with good grades, you may qualify for a good student discount.
• Anti-theft device discount: If your car is equipped with anti-theft devices, such as an alarm system or a tracking device, you may qualify for an anti-theft device discount.
• Home safety features discount: If your home has safety features such as smoke detectors, a burglar alarm, or a sprinkler system, you may qualify for a home safety features discount.
• Pay-in-full discount: If you pay your insurance premium in full rather than in installments, you may qualify for a pay-in-full discount.

The amount of each discount may vary depending on the state you live in and other factors. To find out which discounts you qualify for and how much you can save, you can contact Shelter Insurance directly or visit their website. Keep in mind that not all discounts are available in all states or for all types of insurance coverage.

What are customers saying about Shelter Insurance?

Customer reviews of Shelter Insurance are generally positive, with many customers praising the company’s customer service, competitive pricing, and ease of use. However, there are also some negative reviews, with some customers expressing dissatisfaction with the claims process or billing issues.

Here is a summary of what customers are saying about Shelter Insurance:

Strengths:

• Competitive pricing: Many customers have praised Shelter Insurance for its competitive pricing, saying that they were able to save money on their insurance premiums compared to other providers.
• Friendly and helpful customer service: Many customers have also praised the company’s customer service, saying that the representatives are friendly, knowledgeable, and helpful.
• Easy-to-use website: Customers appreciate the user-friendly website of Shelter Insurance, which makes it easy to get a quote, manage their policy, and file a claim.

Weaknesses:

• Claims process: Some customers have expressed frustration with the claims process, saying that it was slow or that they had difficulty getting a response from the claims department.
• Billing issues: A few customers have reported issues with billing, such as being overcharged or having difficulty getting their payments processed correctly.

Overall, customer reviews of Shelter Insurance are mostly positive, with many customers reporting a positive experience with the company. However, it’s important to keep in mind that individual experiences may vary, and it’s always a good idea to do your own research and compare insurance providers before making a decision.

Roundup: Shelter Insurance

In conclusion, Shelter Insurance is a reputable insurance company that has been providing high-quality insurance coverage to customers for over 75 years. With a commitment to excellent customer service, a variety of coverage options, and discounts available to qualifying customers, Shelter Insurance is a top choice for those in need of car, homeowners, renters, life, or business insurance coverage.