Shelter Insurance

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).

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.

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

Shelter Insurance is the absolute worst insurance company! What they have put my family through is by far the worst experience of our lives. Our claim was submitted over 30 days ago and we agave been displaced from our home and have not received our monthly living expense payments yet! They did not even offer to cover the hotel expenses for my family! I wouldn’t recommend this company to anyone and would advise anyone that has them to leave immediately! This is just a short version of my experience. They sell policies that they clearly do not want to cover! Systemic racism at it’s finest!

Shelter insurance is a great company! They really did a great job of handling a homeowner insurance claim in a timely manner. It's good to know that i can rely on this company when I need them. Thanks so much for your immediate assistance!

Me and my husband chose to go through Shelter Insurance for our car Insurance. The company was kinda easy to get started with except they would not let me sign up online at the time. We had to go into the actual agency. Overall they are not a horrible company. Alot smaller than the big companies but I do like the one one connection with the agents. I am not constantly talking to different rep all the time. If I call my one agent I get that person only which is a nice as well.

I have been with Shelter Insurance for about 20 years with my car insurance. I have an excellent driving record, I filed one claim in the 20 years for 2,000. I bought a brand new Charger in 2011, the cost was 32,000. In Jan. 2013, someone pulled out in front of me and did over 10,000 dollars in damage to my front end, the car had 17,000 miles on it. That person used Shelter Insurance as well. They did fix my car, however my diminished value claim that I filed with Shelter was a joke. They offered me 1,300, knowing that my car had lost a value of over 5,000 due to the wreck. But anyone that has insurance knows that they are not in business to help you. But I feel that after 20 years of service I should have been treated with more respect for the type of car that I drive. After getting a lawyer to help with this issue, they paid them 500.00 for what, I am still not sure, and paid me 1500. for my value lost. Very disappointed in Shelter. It just goes to show you, no matter how long you are with a company, you are still just a bank roll to them, not a valued customer like they claim.

I’ve had Shelter for my auto insurance since I turned 16. My local agent does a great
job of working for me to try and make sure I’m getting all of the discounts I’m
entitled to. I’ve only ever had 1 claim for one of my vehicles and they made it almost
painless. I didn’t like being forced to use their body shop for the repairs because it
was inconvenient for me. Due to the small town I live in, I had to go far to get the
estimate, drop it off, pick it up, etc. I understand their need to do this, but wish there
was a better way. Recently, I’ve been considering changing to another company to get
better rates, but I think the personal service I get is worth a little more money in
premiums. If their rates increase though, it will become more attractive to switch.

I purchased a vacation home in Lake of the Ozarks. Knowing I would like a local insurance agent I began to search for one. On the main highway I saw a Shelter office sign in a cute little house. I pulled in and was greeted by the agent's wife. Very friendly. She introduced me to the agent who was equally friendly and I purchased a homeowners policy. I was so happy that I changed my car insurance at Shelter and received a discount. After 15 years it was time to sell my house and car. I cancelled both policies. Refund checks were sent for the balance of the year's premium.

Somehow I only cashed one check, and the other was either lost or never received. 5 years pass by and I receive a letter from Shelter that I never cashed a check for $280. Would I like a new one?? YES.