Shelter Insurance Overview and Key Takeaways

Shelter is a Missouri-based insurer offering auto and home insurance policies in 15 states. They also provide other types of coverage.

• Low number of customer complaints
• Many coverage options and discounts
• Not available in all states

3.0 out of 5.0 stars3.0

Shelter Insurance: Rating

Shelter Insurance scores 5 out of 5 for categories from price, extras and discounts to ease of filing a claim, coverage types, complaints, and customer satisfaction.

Shelter Insurance: Services

Shelter provides all the usual coverage options as well as the following:

• New car replacement: If your new car is totaled or stolen within the first year and the first 15,000 miles, you’re covered for the cost of a new replacement vehicle
• Disability income coverage: Get a weekly stipend for up to a year if you are prevented from returning to work after being injured in an accident
• Gap insurance: If your collision coverage won’t extend to the full amount of repairing crash damage, gap coverage meets the difference
• Accidental death: Coverage if you or your partner dies in an auto accident. This coverage can be broadened to include other family members

Shelter Insurance: Discounts

Shelter discounts include the following:

• Aged 48+ with other Shelter policies
• Anti-theft devices
• Good student
• Military
• Multiple cars
• Multiple coverage
• Safe driver
• Upfront payment
• VIN etching

Shelter Insurance: Complaints

This company gets far fewer complaints than you would expect for a company this size.

It would be a good idea to check their BBB Complaints and before doing business with any of these insurance companies.

Shelter Insurance: What Else?

The website is responsive and easy to navigate. You can find all insurance products from the main menu, and you can also get online quotes.

The mobile app can be used for claim reporting, policy management, and making payments.

Shelter also offers the following types of insurance:

• ATV insurance
• Boat insurance
• Business insurance
• Farm insurance
• Flood insurance
• Motorcycle insurance
• Personal items
• Renters insurance
• RV insurance
• Umbrella insurance

Shelter Insurance: Pros and Cons

Pros

• Many discounts
• Fewer complaints than expected
• User-friendly website and mobile app

Cons

• Not available in all states
• Some discounts not available in every state

Compare Shelter Insurance to Cuintegrator Auto Insurance Providers