Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
Shelter Insurance Home Insurance Review
Shelter Insurance Home Insurance is an insurance carrier based in Columbia, MO. The company was founded in 1946 and offers home insurance in 15 states in the USA.
Shelter Insurance Home Insurance FAQ
What is the financial strength rating of Shelter Insurance Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Shelter Insurance Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Shelter Insurance Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Shelter Insurance Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Shelter Insurance Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Inflation Protection:
Inflation coverage protects you by increasing the amount of your homeowner with inflation so that you can maintain adequate coverage to replace your home in the event of a loss.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
Yard and Garden Coverage:
This endorsement offers expanded coverage for items like trees, landscaping, tools, and riding lawnmowers.
How can you save money on a Shelter Insurance Home Insurance home insurance policy?
When you ask for a quote with Shelter Insurance Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Deadbolt Locks on Exterior Doors
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Shelter Insurance Home Insurance.
What additional benefits does Shelter Insurance Home Insurance offer?
Shelter Insurance Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
7:00AM - 10:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Shelter Insurance Home Insurance Community Reviews
Would you recommend Shelter Insurance Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I can recommend it to someone and maybe s/he to make his/her decision.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
Shelter Insurance is very affordable and offers many discounts. Full range of coverages and awesome customer service.
CA
Charity A.
Feb 24, 2022
May or may not recommend
I live in Oklahoma and I have had great experience with this company! In our first home they gave us amazing protection and we never ran into issues. They helped set up our alarm system in our home along with smoke detectors. Definitely a great company to have if you are looking for someone to rely on.
FJ
Felicial J.
May 20, 2021
May or may not recommend
It is great relief knowing you have trusted insurance like Shelter Insurance. They got my back on just everything and I have no worries. I've used shelter Insurance for a decade now and they are reliable. The customer service is to-notch.
RG
Rupok G.
Dec 30, 2020
May or may not recommend
My house was recently damaged after my brother crashed his suv in the garage and I did not do what to do . Then I called up Shelter Insurance at 3 am in the night and they immediately picked up and helped me right away . Unbelievable customer service . The number of coverage options they have are unrealistic , there is a lot ! They also give many discount ...Show More
YE
Yusuf E.
Dec 16, 2020
May or may not recommend
My goodness! Shelter insurance have a great customer service, the enthusiasm was all I needed to convince myself after the stress of finding a good Home insurance company. The level of coverage is also impressive, i didnt have to pay more than I needed. They have lots of policies such as liability coverage, replacement cost, actual cash value and so on.
AB
Ashley B.
Nov 29, 2020
May or may not recommend
I lost my home to a natural disaster recently. I was so destabilized and didn't know what to do. I then remembered I had insured with Shelter Insurance Company. I immediately contacted them. They arrived in no time. They have the best customer service. They were able to help me restore my home. Little wonder they are ranked among the best insurance companies. I'm glad I got to write this ...Show More
Chioma D.
Nov 26, 2020
May or may not recommend
Shelter Insurance is a company you can trust. They have good option, covers all the basics, and reliable. If I have an issue it is always solved. Their price is great, reasonable, and has great deal of flexibility in how you set it. They also match prices with their competitors. It's the best. They have excellent customer service, always someone there when you need them. They are kind and ...Show More
DE
Daniel E.
Nov 5, 2020
May or may not recommend
I was trying to find the right insurance company that had the best prices and the best coverage. I ran cross shelter insurance and when I mean the company made my day, they did. They had an answer to everything. The employees were so sweet and did not stop until they made me happy. They also have 0% deductibles and that was so amazing to me. And now I been ...Show More
ME
Malomo E.
Nov 2, 2020
May or may not recommend
I'm happy I have the opportunity to give my feedback on this exceptional Insurance company. To say the least, they have the best coverage policy to get all your house issues settled in a single package.
Shelter Insurance is always available to hear you out and they respond the most swiftly to your request. let me emphasize the fact that their customer care does it best out of the many ...Show More
Esther O.
Oct 28, 2020
May or may not recommend
Last year, a drunk man drove his car through my parent's home. Luckily for us, no one was at home, but we lost a considerable amount of property, including the demolition of our walls. The year before, my dad had just purchased Shelter Insurance. I honestly felt that they would not cover the expenses for renovation; however, when my dad made claims on his coverage, they were more than willing ...Show More
CS
Clara S.
Oct 24, 2020
May or may not recommend
Unfortunately, someone I know lost their house to a natural disaster. Luckily, they were able to recoup some of their loses thanks to Shelter Insurance Home Insurance. We can not say enough good things about this Insurance company. They have helped my friend completely rebuild her life.
NG
Nelson G.
Oct 24, 2020
May or may not recommend
Outstanding customer service, local agents, and fair policies! They are transparent and effective. The whole process seems effortless while using their services. Overall, it was a great experience opting in for Shelter Home Insurance services. Highly recommended.
EO
Esther O.
Oct 18, 2020
May or may not recommend
I had an issue with an accident at the back entrance of my house, a farm truck badged my backyard, and my house was literally exposed and unsafe, i lost many of my belongings to the accident. I badly needed a refix, so i contacted Shelter Insurance Home for an assistant. I got it done within few days; my backyard looks as good as new, my home is as secured ...Show More
AK
Adegboyega K.
Oct 17, 2020
May or may not recommend
One of the biggest investments you will ever make is your home. In the event of an unexpected loss, you need a homeowner’s insurance company you can depend on to restore your home and its contents to their previous condition. One company that deserves consideration for your homeowner’s insurance needs from me is Shelter Insurance.
I had an issue with my house that was damaged and they provided solution in no ...Show More
AR
Alice R.
Oct 14, 2020
May or may not recommend
Due to a turbulent wind that attacked my resident sometime ago, the building got damaged and I had to fix it up because I have no where to keep my stuffs. I contacted shelter insurance on a way out of the mess I found myself. They were more than helpful in providing support for me.
I was able to fix my house in no time and I had every course to ...Show More
TA
Timileyin A.
Oct 7, 2020
May or may not recommend
A truck destroyed my house sometime ago and I really need to repair it then because the damage was much. I got the total estimate for the repair of my house. I visited shelter insurance because I use them over the years, they followed all necessary procedures and I was issued a check in no time. I am really glad with the service that was rendered.
I will surely recommend ...Show More
U
Anonymous
Sep 12, 2019
May or may not recommend
Had storm damage to our roof, called our agent and he sent out an adjuster within days. We got an esti,ant and settled on a roofing company. Took longer for the roofing company to get to us than it took Shelter to issue us a check for the repairs.
Showing 18 of 18 reviews