NATIONAL INSURANCE GUIDE

Shelter Insurance

Shelter Insurance

Shelter Insurance Overview 2025

Founded in 1946, Shelter Insurance serves customers across 21 states with a focus on personalized service through local agents. It is known for solid customer satisfaction, particularly in claims handling, and competitive pricing in regional markets.

Key Products and Coverage

Auto Insurance

Shelter provides comprehensive auto insurance covering:

  • Liability Coverage: Bodily injury and property damage protection for third parties.
  • Collision Coverage: Pays for damage to your vehicle after an accident.
  • Comprehensive Coverage: Covers non-collision events like theft, fire, vandalism, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Protection if you’re hit by a driver without sufficient insurance.
  • Medical Payments Coverage: Covers medical expenses for you and your passengers after an accident.
  • New Car Replacement: If a new vehicle is totaled within 15,000 miles, Shelter can replace it with an identical make and model.
  • Accidental Death Coverage: Payouts if policyholder or spouse dies in a covered accident.
  • Disability Income Coverage: Optional income benefits up to one year if injured in an accident and unable to work.
  • Gap Insurance: Covers the gap between what you owe on a leased or financed vehicle and its actual cash value if totaled.

Homeowners Insurance

Shelter homeowners insurance covers:

  • Dwelling Protection: Covers damage to the home structure.
  • Other Structures: Garages, sheds, fences, and more.
  • Personal Property: Furniture, electronics, clothing, etc.
  • Personal Liability: Protection if you are liable for injury or property damage.
  • Additional Living Expenses: Covers costs if your home is uninhabitable due to a covered loss.
  • Inflation Protection: Adjusts coverage to keep pace with rising rebuilding costs.
  • Business Protection: Coverage for home-based business property.
  • Increased Computer Coverage: Higher limits for computer equipment.
  • Farm Protection: For eligible farm equipment and operations.
  • Dock and Pier Coverage: Protection for docks, excluding flood damage.

Other Insurance Products

  • Renters Insurance
  • Mobile Home Insurance
  • Condo Insurance
  • Personal Articles Insurance
  • Flood Insurance
  • Umbrella Liability Insurance
  • Life Insurance (term, permanent, junior special)
  • Farm Insurance
  • Business Insurance (commercial fire, liability, auto, apartment owners, rental dwelling)

Rates and Pricing (2025 Estimates)

Auto Insurance

  • Minimum coverage: Approx. $70/month
  • Full coverage: Approx. $180/month
  • Full coverage for teen drivers: Approx. $416/month (due to higher risk)

Homeowners Insurance

  • Average annual premium: Around $1,354 (varies by dwelling value and location)
  • Example averages by dwelling value:
    • $150,000 dwelling: ~$2,250/year (higher than national average due to coverage options)
    • $300,000 dwelling: ~$3,661/year

Rates depend on multiple factors including location, credit score, driving record, home value, coverage levels, and deductible choices.

Discounts Offered by Shelter Insurance

Shelter Insurance provides several discounts that benefit its customers, particularly young drivers and multi-policy holders:

  • Safe Driver Discount: For drivers with no accidents or violations for three years.
  • Good Student Discount: For students under age 25 maintaining good grades.
  • Pay-in-Full Discount: For customers paying premiums annually or semi-annually.
  • Multi-Policy Discount: For bundling home and auto insurance.
  • Companion Life Discount: When holding both auto and life insurance policies.
  • Multicar Discount: For insuring more than one vehicle.
  • Safety Course Discount: For completing driver safety or accident prevention courses.
  • Passive Restraint Discount: For cars equipped with airbags and automatic seat belts.
  • Discounts for Security Devices: Installation of anti-theft and safety systems.

Customer Experience

Shelter Insurance enjoys a reputation for:

  • Strong local agent support offering personalized service.
  • Clear policy language and coverage explanations.
  • Responsive and straightforward claims process.
  • Mid-tier national ratings but above-average regional satisfaction.
  • 24/7 claims reporting via phone and mobile app (“My Shelter” app).

Challenges reported include limited geographic coverage to 21 states and occasional customer complaints related to claims delays.

Availability by State

Shelter Insurance operates in the following 21 states:

  • Arkansas
  • Colorado
  • Illinois
  • Iowa
  • Kansas
  • Louisiana
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oklahoma
  • South Dakota
  • Tennessee
  • Texas
  • Wisconsin
  • Wyoming
  • And others mainly in the Midwest and Plains regions

It does not provide coverage nationwide but focuses on these regional markets, offering localized support through independent agents to tailor insurance products to customer needs.

Shelter Insurance FAQs

1. How do I contact Shelter Insurance customer service?

You can reach Shelter Insurance customer service by calling their main support number at 1-800-743-5837. This number is available for general inquiries, claims reporting (24/7), payments, and policy assistance. Customer service hours are typically 7:00 AM to 10:00 PM CT for policy service.

2. How do I report a claim?

To report a claim, call 1-800-743-5837 any time, day or night. You can also file claims through the My Shelter mobile app or Shelter’s official website.

3. Can I get roadside assistance through Shelter Insurance?

Yes, roadside assistance is available 24/7. Call 1-855-817-6510 for immediate help with vehicle breakdowns, towing, tire changes, and related services.

4. How can I get a quote or change my policy?

For new quotes or policy changes, call customer service during business hours or visit Shelter’s website to request a quote online. Local independent agents are also available for personalized service.

5. Is there an online portal or app?

Yes, Shelter offers the My Shelter app available on iOS and Android devices for managing your policies, making payments, and filing claims.

6. Where is Shelter Insurance headquartered?

Shelter Insurance corporate headquarters is located at:
1817 West Broadway, Columbia, MO 65218

Contact Information

  • Customer Service Phone: 1-800-743-5837
  • Roadside Assistance: 1-855-817-6510
  • Fraud Reporting: 1-888-804-4693
  • Corporate Office:
    1817 West Broadway, Columbia, MO 65218
  • Website: www.shelterinsurance.com

If you need additional support or personalized assistance, Shelter’s network of local agents helps customers across the 21 states where Shelter operates.

Summary

Shelter Insurance is a solid choice for customers seeking personalized insurance in select U.S. states, especially in the Midwest. It offers good coverage options and competitive rates for auto and home insurance, with a focus on customer service. Young drivers and multi-policy holders can benefit from multiple discounts to reduce costs.

For those considering Shelter Insurance, it’s recommended to get personalized quotes from local agents, compare coverage carefully, and leverage available discounts.

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