Shelter Insurance

115 Reviews

Shelter Insurance is a Columbia, Missouri-based company that provides a wide range of insurance products in 15 states. Shelter was founded in 1946 as MFA Mutual Insurance and only offered auto insurance to Missouri residents at the time. Here are a few more key things to know about Shelter Insurance:

3.5/5 average rating from users. Read reviews.
A+ rating from the Better Business Bureau (BBB).
Offers home insurance, auto insurance, motorcycle insurance, and more.

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Shelter Insurance Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/12/2022.

3.5

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WalletHub
January 12, 2022 • @WalletHub

editor's review

Shelter Insurance Review

Shelter Insurance is an above-average car insurance company, given its low premiums and strong customer service. Shelter’s NAIC rating is 0.58, which means it has fewer customer complaints than the average insurance company its size.

Shelter insurance is available in 15 states, including: Illinois, Ohio, and Tennessee.

Shelter Insurance Ratings

Reviews on WalletHub: 3.5/5
J.D. Power: 4.3/5
NAIC: 0.58
BBB: A+
AM Best: A

Shelter Insurance has not been accredited by the Better Business Bureau.

Shelter Auto Insurance Review Highlights

Top Discounts – multi-car discount, paid in full discount, and safe driver discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – new car replacement, roadside assistance, and rental reimbursement coverage.

Other Specialty Auto Insurance – motorcycle insurance, ATV insurance, utility vehicle insurance, and more.

Shelter Home Insurance Review Highlights

Shelter Insurance offers basic homeowners insurance policies, as well as coverage for condos and renters.

A homeowners insurance policy from Shelter Insurance protects your home and personal belongings from a variety of damage-causing risks. Shelter Insurance homeowners policies provide additional coverage for dwelling, other structures, personal property, additional living expenses, personal liability, medical payments, and more. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

For condo owners, an insurance policy from Shelter Insurance will cover personal property, additional living expenses, personal liability, medical payments, and more. Shelter insurance provides various optional coverages such as daycare liability insurance, insurance for swimming pools, and more. Lastly, Shelter Insurance offers renters insurance, which covers personal property, additional living expenses, personal liability, and medical payments.

Overall, Shelter Insurance has reliable property insurance options for a variety of situations.

Shelter Insurance Car Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$160 / month
21-Year-Old	$108 / month
45-Year-Old	$49 / month
45-Year-Old with a Speeding Ticket	$59 / month
45-Year-Old with DUI	$64 / month
55-Year-Old	$42/ month
65-Year-Old	$42 / month

Shelter Insurance offers competitive premiums in the 15 states they operate in. You can also add discounts for things like being a safe driver, being a good student, or taking a driver education course to further lower costs.

Bottom Line: Is Shelter Insurance a Good Company?

Shelter Insurance is an above-average insurance company, given its competitive pricing and low number of customer complaints. Shelter Insurance’s most notable insurance options include auto, homeowners, life, and umbrella policies.

Product: Shelter Insurance Car Insurance

Comment

Rangersport2008
December 31, 2021 • @Rangersport2008

Shelter did come thru & pay for my total out. After a lady driving under suspension and no insurance ran a light & hit me my new truck. At 1st the agent tried to appraise my truck without anyone from shelter. Once I questioned how how could do that without seeing my truck. He then came out & re valuation & after seeing my truck. They paid me off good. I do recommend them & will continue to stay with them.

Product: Shelter Insurance Car Insurance

Comment

Anne Apostolides
August 20, 2021 • @mainmaidky

Jamie Martin in Elizabethtown Kentucky is my insurance agent and I am so impressed by how quickly and efficiently they got me a policy and how cheap it was her offices have been nothing short of amazing thank you

Product: Shelter Insurance Car Insurance

Comment

John Kugelman
August 10, 2021 • @kugiej

Worst Insurance Company Ever! Do NOT use this company! After nearly 20 years with them for Home, 2 Autos, and a Motorcycle, and no claims, we had a wind and rain storm causing our roof to leak and ruin the drywall in our kitchen ceiling.
Shelter Appraiser claimed that BIRDS pecked a hole in my roof, and YES, they have a bird clause and denied my claim. I have seen birds on the roof occasionally and have plenty of bird poo to prove it, but NEVER have I seen a bird pecking our roof! This is simply a loophole Shelter has created to avoid paying out a claim. I now firmly believe they NEVER pay any claims. There will always be some invented loophole where your claim will be denied. For my claim, they paid ZERO and completely denied it. I thought I was getting the best insurance with all the optional coverage for any surprise event. What I received was ZERO on my very first claim. Shelter is for the BIRDS. Run, don't walk away from Shelter Insurance. This company deserves ZERO stars to go along with their ZERO pay out, but one star is as low as allowed. Save yourself heartache and go with ANY other insurance company.

Product: Shelter Insurance Home Insurance

Comment

CT Fox
July 6, 2021 • @ctf261

After getting hit at full speed by another car more than 3 months ago, shelter still has yet to investigate the damages and review my case. Do NOT get shelter.

Product: Shelter Insurance Car Insurance

Comment

fonauditor
June 21, 2021 • @fonauditor

Will not pay up for client who destroyed my farm corral in auto crash. So non professional. Will not return calls and has been two months.

Product: Shelter Insurance Car Insurance

Comment

hollys_54
April 6, 2021 • @hollys_54

Do not use this insurance company. They will use any excuse and red tape possible to deny any claim. I have lived in my home for over 20 years, and have only attempted to file 2 claims-once a couple years ago when a home 2 blocks away was destroyed in a gas explosion and caused damage to our home as a result. The second time recent, when a plumbing leak destroyed our bedroom carpet. Both claims were denied. The second claim, they denied stating we took too long to report the damage (we waited due to calling multiple plumbers, foundation experts to try to figure out the problem).

Product: Shelter Insurance Home Insurance

Comment

weldonsimplysaid
March 7, 2021 • @weldonsimplysaid

Run! Reconsider using this company . This rating actually deserves a negative 5 stars. My father passed away in December 2020. According to Arkansas probate law I could not even begin a probate process to put the house in my name until 45 days had passed after his death. They dumped my dad's house insurance before the 45 days were even up. Despite being reasonable on my part and asking for help they dumped my dad's house insurance like a bad habit on Sunday morning. The real kicker here is the fact that I cannot get homeowner's insurance on the house I now own because probate is not completed. Despite my pointing out all of this they sent me a curt letter and a refund check exactly 1 month 7 days after his passing. So at the moment of this writing I'm sitting with an uninsured home in probate. I am literally left high and dry. I wish 10 000 plagues upon this company may it quickly go belly-up as it deserves.

Product: Shelter Insurance Boat

Comment

quark32
January 31, 2021 • @quark32

Shelter Insurance either doesn't pay claims or tries hard to wiggle out of paying. Once they know they are stuck on a claim, they will chisel you until you get tired of dealing with them. All insurance companies work this way, and Shelter is no different. They raise your rates even if you have no claims. What a pathetic company.

Product: Shelter Insurance Car Insurance

Comment

abluv1117
September 29, 2020 • @abluv1117

If there was an option to give zero stars this place would be it!! I pay our the butt for full coverage insurance and when I actually need it they decide to end my policy. Yes in. 11 days late on payment by it they haven't tried to contact me at all! I lost my job due to Corona virus I'm a single mom of two kids and couldn't make my payment on time I then got into a mojor accident and totalled my car. Sheltor insurance says oh well you were later can't do anything for you. This heartless company is only out for your money. There website says they'll grant 31 dya to all policies but it is a lie . I don't recommend this place at all

Product: Shelter Insurance Car Insurance

Comment

+12 users submitted a rating without writing a full review

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Shelter Insurance Q&A(8 questions)

Does Shelter offer gap insurance?

Upvote

WalletHub

Yes, Shelter offers gap insurance as an optional policy add-on. Shelter gap insurance pays the difference between a totaled car's actual cash value and the policyholder's loan or lease balance, up to any limits specified by your policy, though it's worth noting that Shelter's gap coverage does not pay the policyholder's deductible.

The cost of Shelter gap insurance depends on factors like your state and your vehicle's value. Regardless, purchasing gap insurance from an insurance company is usually a better investment than purchasing this coverage from a dealership, where the cost is often rolled into your loan and charged interest. Plus, you can cancel Shelter gap insurance once your car is worth more than your loan or lease balance.

For more information, check out WalletHub's complete guide to gap insurance.

How do I cancel Shelter insurance?

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WalletHub

To cancel Shelter insurance, the policyholder must call their agent or 1-800-743-5837. The cancellation can be arranged for a future date or set to take effect immediately. You will need your name, policy number, and the date you want your policy to end. If you've already paid your premium for the policy period in full, Shelter will refund the unused portion, minus any cancellation

It's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, you should have Shelter update your mailing address or vehicle information if you're moving or buying a new car.

If you're canceling your current policy in order to switch to another company, be sure to activate your new policy before canceling the old one. This prevents a lapse in coverage, which would lead to higher premiums in the future.

Who owns Shelter Insurance?

Upvotes

WalletHub

Shelter Insurance is owned by Missouri Farmers Association. Missouri Farmers Association is a cooperative built by farmers for farmers, headquartered in Missouri, and it has owned Shelter Insurance since 1946.

For more information, check out WalletHub's full Shelter Insurance review.

Does full coverage with Shelter Insurance cover damage caused by a blown-out tire?

Upvotes

WalletHub

Full coverage with Shelter Insurance covers damage caused by a blown-out tire. Please note that it will only pay for the damage to your vehicle, not the tire itself. If you are driving and you have a tire blowout, you should contact your insurer right away to determine whether or not it's covered. To file a claim, you can contact your agent by registering on the Shelter Insurance website or call 800-743-5837.

Is Shelter Insurance an actual car insurance provider?

Upvotes

Sydney Garth, Credit Cards Moderator

Yes, Shelter Insurance provides car insurance. Shelter sells auto insurance using agents in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.

Shelter Insurance Contact

What type of help do you need?

Visit Website

800-743-5837

Mon - Sat: 1pm - 4am

1817 W. Broadway

Columbia, MO 65218

Local Shelter Insurance agents:

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