Shelter Company Insurance Review & Ratings (2024)

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.

What You Should Know About Shelter Mutual Insurance Company

Welcome to the comprehensive guide on Shelter Insurance. In this article, we will delve into the world of Shelter Insurance, covering essential topics such as coverage options, pricing, customer reviews, and discounts. Whether you’re looking for auto, home, renters, life, or business insurance, Shelter Insurance has you covered.

• Offers a variety of coverage options to meet the unique needs of each customer
• Committed to providing excellent customer service
Read More: Best Car Insurance
• Discounts available to qualifying customers

To ensure you get the best rates and coverage for your specific needs, we encourage you to enter your zip code and compare quotes from the top insurance providers in your area. Don’t miss out on the opportunity to safeguard your future with the right insurance coverage.

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 Mutual Insurance Company Insurance Coverage Options

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.

Shelter Mutual Insurance Company Insurance Rates Breakdown

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 Mutual Insurance Company Discounts Available

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.

Navigating Shelter Company Insurance Claims Process

Ease of Filing a Claim

Shelter Insurance provides a hassle-free claims process, allowing policyholders to file claims conveniently online, over the phone, or through their mobile apps. The user-friendly interfaces make it easy for customers to submit necessary information and documents, ensuring a smooth and efficient experience.

Average Claim Processing Time

One of Shelter Insurance’s strengths lies in its swift claim processing. On average, Shelter Insurance processes claims in a timely manner, minimizing the waiting period for customers. Quick processing times contribute to customer satisfaction, providing policyholders with the support they need promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Shelter Insurance’s claim resolutions and payouts is largely positive. The company’s commitment to addressing claims efficiently and fairly reflects in customer reviews. Policyholders appreciate the straightforward and transparent approach Shelter Insurance takes, ensuring that customers are well-informed throughout the claims process.

Exploring Digital and Technological Features of Shelter Company Insurance

Mobile App Features and Functionality

Shelter Insurance’s mobile app offers a range of features and functionalities designed to enhance user experience. From policy management to claims tracking, the app provides a seamless interface, allowing customers to access vital information at their fingertips. Features like instant policy updates, claim status checks, and digital ID cards contribute to the app’s overall user satisfaction.

Online Account Management Capabilities

Shelter Insurance’s online account management capabilities empower customers to take control of their insurance policies. The user portal offers a comprehensive suite of tools, enabling policyholders to review coverage details, update information, and manage payments online. The intuitive interface ensures that customers can make changes to their policies with ease, enhancing overall convenience.

Digital Tools and Resources

In addition to its mobile app and online account management platform, Shelter Insurance offers various digital tools and resources. These resources include educational materials, insurance calculators, and informative articles to assist customers in making well-informed decisions. By providing valuable insights and interactive tools, Shelter Insurance supports customers in understanding their insurance options better.

How Shelter Mutual Insurance Company Ranks Among Providers

Shelter Insurance operates in a competitive landscape within the insurance industry, facing several notable competitors. Here are some key rivals:

• State Farm: One of the largest insurance providers in the U.S., offering a wide range of insurance products. Known for its extensive agent network and diverse coverage options.
• Allstate: Another major player, providing various insurance products and services. It emphasizes user-friendly technology and a range of discounts for policyholders.
• Farmers Insurance: Offers diverse insurance options with customizable coverage. Known for its bundling discounts and robust customer service.
• Progressive: Recognized for its focus on innovative technology, offering competitive rates and a user-friendly online platform. Known for its Snapshot program for personalized auto insurance rates.
• GEICO: Renowned for its direct-to-consumer model, offering competitive rates and a simple online experience. Known for its witty advertising campaigns and accessibility.

Shelter Insurance competes within this landscape by emphasizing personalized service, comprehensive coverage, and local agent relationships.

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.