Shelter Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2024)

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Financial Strength

Missouri-born Shelter Insurance traces its roots back through a hundred-year-old farmer’s association, while moving into the modern age with an updated name and approach. With a broad range of insurance products for both individuals and businesses, and an expansion that continues into more operating territories, Shelter is a growing force in the industry, including offerings such as Shelter Insurance Colorado and Shelter Insurance commercial auto policies.

What is Shelter Insurance?

In 1946, the Missouri Farmer’s Association (now MFA Corporation), which traces its roots back to 1914, launched the MFA Mutual Insurance Company, later known as Shelter Insurance Company. The goal was to provide its members with access to the insurance they needed at premiums they could afford. The company grew quickly, earning the title of the shield of Shelter Insurance and becoming the largest casualty insurer in the state within less than a decade.

Throughout the company’s history, it expanded its product offerings as well as operating territory, moving into several other states. In 1981, MFA Mutual Insurance split from MFA Corporation and rebranded, becoming Shelter Insurance Companies. The group today writes personal insurance including the following: auto insurance, home insurance, life insurance, farm insurance, and business insurance.

Shelter Mutual Insurance Company operates across 18 states and distributes its products through an extensive network of over 1,300 agents. If you require roadside assistance, you can reach out to Shelter using the phone number provided for this service. For accessing your account online, simply log in to ShelterInsurance.com using your credentials.

Areas of operation include: Arkansas, Colorado, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nevada, Nebraska, Oklahoma, and Tennessee.

What insurance products are offered?

Each Shelter agent within its operational region serves as a comprehensive destination for fundamental personal insurance necessities and a diverse array of supplementary offerings, encompassing various farm insurance options and business insurance solutions. If you need to reach out for assistance regarding Shelter life insurance, you can contact the Shelter life insurance phone number. Similarly, for inquiries or updates concerning Shelter mutual insurance claims, you can get in touch via the Shelter mutual insurance claims phone number.

Does the company sell auto insurance?

Shelter’s auto insurance program offers all the basics including liability, collision, and comprehensive, as well as common options such as roadside assistance and rental reimbursement.

They also offer more unusual personal auto policy options, such as:

• Gap Coverage
• Accidental Death
• Disability Income
• Loss of Use

Shelter Insurance in Tennessee offers numerous discounts, including ones for safe driving, good students, bundling auto and home policies, having a Shelter life insurance policy, and military personnel. These discounts may vary by state. Comparing Shelter Insurance vs. State Farm, Shelter’s range of discounts could be a key differentiator.

Motorcycle Insurance

Shelter Insurance in Overland Park offers motorcycle coverage with options akin to their auto program. They also provide specialized coverage for motorcycles, including protection for riding gear and customization. This highlights Shelter Insurance’s commitment to meeting the distinct needs of motorcycle owners. In terms of Shelter Insurance ratings, their tailored motorcycle insurance demonstrates their dedication to customer satisfaction.

Other Vehicles

Shelter Insurance offers custom policies for different vehicles such as RVs, boats, and ATVs. These specialized plans cater to the specific needs of each vehicle type. If you’re looking for Shelter Insurance quotes for your specialty vehicle, our tailored policies have you covered.

Does the company sell home insurance?

Shelter has a comprehensive home insurance program that will cover nearly any type of home with a variety of policy types.

The following home insurance policies are available:

• Standard Homeowners – covering the structure, personal property, and liability
• Dwelling Fire – a policy that offers structure and liability coverage but less for personal property; these policies are aimed at non owner-occupied homes or homes that don’t meet standard requirements
• Mobile Home – which meets the specific needs of mobile home owners
• Apartment Building – coverage designed for the owners of multi-unit apartment buildings with many tenants
• Renter’s Insurance – which covers the personal property and liability risks of tenants, may be required by the rental company depending on where you live

In addition to these policies, Shelter offers high-value item policies that will cover valuables such as jewelry and other properly not covered under the contents portion of any homeowners policy.

What about Shelter Life Insurance Company?

Shelter Insurance provides term life and permanent life options, along with a Junior Special policy. This lets parents create a life insurance plan for their child, ensuring potential claims extend into adulthood, all at an affordable rate. Need local options? Search “Shelter Insurance near me.” For online access, try “Shelter Insurance log in.”

What about business insurance protection?

Shelter writes small business policies that include:

• Business Owner’s package policies
• Business Auto
• Commercial Fire
• General Liability

Can you get farm insurance?

With its roots in farm insurance, it is not surprising Shelter has a comprehensive list of farm insurance options, including:

• Farm Owner’s Insurance
• Farm Liability
• Farm Property
• Farm Equipment Coverage
• Livestock Insurance

What additional products are offered?

Rounding out Shelter’s offerings, a few additional products are available, such as umbrella insurance and flood insurance.

What are Shelter Insurance prices and premiums?

Shelter Insurance in Louisiana provides an online quoting system, but it necessitates a substantial amount of personal information, leading to a less than speedy or straightforward quoting process. This also poses challenges in obtaining a sample quote promptly. Given that policies are typically sold through agents, this online quoting approach is primarily designed to direct customers to an agent in Shelter Insurance Louisville KY who can finalize the sale.

As an agent-driven insurance company, Shelter Insurance will have commissions as part of the cost of their products. This generally makes it hard to compete with direct-buy companies. Shelter does have a good list of discounts available for their auto insurance, which may help to bring rates down. Shelter Insurance Las Vegas, Shelter Insurance Lexington KY, and other Shelter Insurance locations cater to customers seeking comprehensive coverage at competitive rates.

Shelter Insurance doesn’t seem to have a specialized high-risk or non-standard auto program. Their rates are expected to be competitive mainly for individuals with good driving records and low-risk profiles. Moreover, those interested in obtaining multiple policies may find Shelter Insurance full coverage rates appealing. When looking for insights, consider exploring Shelter Insurance Google reviews for additional perspectives.

What driver discounts does Shelter Insurance offer?

• Safe driver discount: If you haven’t had an accident or violation within the last three years, you might be eligible for a discount.
• Good student discount: Students who get good grades may qualify for a discount. Students must qualify for this discount by turning 19 and remaining unmarried and under 25. However, the discount can be renewed every year the student remains a full-time college student.
• Safe driving course discount: If you’re the primary driver of a vehicle, and you take an accident prevention course, you may be eligible for a discount from Shelter. Remember that Shelter may require that the course be taken periodically to remain eligible for the discounts.

What do consumer research and complaints say?

Shelter Insurance has been an accredited company on the Better Business Bureau website since 2000. The website lists an A+ rating, with only one complaint listed in the last three years, This complaint has been closed within the last 12 months. For a company serving fourteen states with so many products, one complaint is really low.

On PissedConsumer.com, there are 114 complaints about Shelter Insurance, with issues ranging from denied claims to poor customer service. While some complaints mention agents, it’s important to note that individual experiences may not reflect the company as a whole. Despite Shelter Insurance offering discounts, these complaints suggest room for improvement in customer satisfaction and utilizing Shelter Insurance discounts effectively.

Overall, the number and type of complaints do not raise a major red flag. In addition to there not being many complaints, there are also no major issues known in terms of the company’s reputation.

What is the financial strength of the company?

According to AM Best, Shelter earned an A+ rating, which means it has a strong financial position. It also shows that the insurance company has enough funds to pay claims after a covered loss and has no risk of going bankrupt or closing down.

Ease of Filing a Claim

Shelter Insurance ensures a hassle-free process for policyholders to file a claim. With multiple convenient options available, including online platforms, phone assistance, and mobile applications, individuals can easily initiate their claims. Through the user-friendly interface of our online portal, filing a claim with Shelter Insurance is efficient and straightforward.

In the same vein, policyholders can opt to initiate a claim over the phone, providing a traditional yet accessible route for claims processing. Moreover, the mobile app simplifies the process of reporting claims, specifically addressing the needs of tech-savvy individuals. This holds true for policyholders of Shelter Insurance in Florida as well.

Average Claim Processing Time

Shelter Insurance prioritizes efficient claims processing, aiming for swift resolutions to benefit its policyholders. The company endeavors to expedite the claims process, ensuring timely outcomes. However, it’s important to note that the average processing time for claims can fluctuate depending on factors such as the claim’s complexity and nature. For insights into our claims processing efficiency, you can refer to Shelter Insurance reviews on BBB (Better Business Bureau) and other trusted platforms.

However, Shelter Insurance’s emphasis on efficiency ensures that claims are handled swiftly and with the utmost professionalism.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a vital aspect of evaluating an insurance company’s performance in claims resolution and payouts. Shelter Insurance places a significant emphasis on customer satisfaction and feedback collection. Customers have provided positive feedback regarding the clarity and fairness of the claim resolution process.

The company’s approach to handling claims and ensuring satisfactory payouts has garnered commendations from policyholders, reinforcing Shelter Insurance’s commitment to customer-centric practices.

Mobile App Features and Functionality

Shelter Insurance’s mobile app offers a comprehensive set of features and functionality to enhance the user experience. Policyholders can access their insurance information, view policy details, and manage their account seamlessly through the app.

Additionally, the app provides functionalities for submitting claims, tracking claims status, and receiving updates, all in a user-friendly interface designed to simplify insurance management on the go.

Online Account Management Capabilities

Shelter Insurance’s online platform allows policyholders to efficiently manage their accounts. The online account management capabilities include policy information access, premium payments, policy updates, and claims tracking.

The platform is designed to provide a centralized hub for policyholders to access and manage their insurance-related tasks conveniently and securely from their computers or mobile devices.

Digital Tools and Resources

In addition to the mobile app and online account management, Shelter Insurance offers various digital tools and resources to empower policyholders. These tools may include educational resources, insurance calculators, risk assessment tools, and informative content that help customers make informed decisions about their insurance coverage.

Shelter Insurance is committed to leveraging digital technology to provide its customers with valuable resources and tools to navigate the insurance landscape effectively.

What is the bottom line?

Shelter is a fast-growing company that offers a widerange of products likely to meet the needs of most people in search of one-stop insurance shopping. They are worth a look for those who live in one of the states they cover, given their long history, although they may not be the least expensive option for anyone who has tickets or accidents, or for those who do not qualify for many of the discounts. Shelter will most likely appeal to those who seek a regional insurer with a strong financial backbone and who want to insure multiple lines of business in one place.