Shelter Insurance: Overview

Shelter was founded in 1946 and provides insurance in 15 states.

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About Shelter

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

The company’s growth and expansion over the years resulted in an increased product portfolio and by 1959, MFA Life Insurance Company was founded. Three years later, its sales territory expanded into 9 states across the U.S and by that time it was serving its policyholders through 13 branch claims offices. During the 1970s the company continued to improve its facilities and thousands of people joined the dedication ceremony for MFA Insurance Gardens on the grounds of the headquarters office. Now Shelter Insurance Gardens, the award-winning five-acre gardens became a nice and favorite place for people to relax and enjoy nature.

By 1981, the company developed a new identity, turning away from Missouri Farmers Association and changing its emblem to the “Shield of Shelter” and eventually adopting the new name, Shelter Insurance. The new branding had a positive impact: Shelter Life Insurance reached $2 billion in life insurance and went international, inviting clients worldwide to do business with the company. Today, Shelter Insurance is one of the top regional insurance companies in the country and has more than 1,400 licensed agents covering 15 states, including Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. The company constantly receives high ratings from A.M Best Company, which indicates financial stability.

Shelter Facts & Ratings

Year Founded1946
Financial StrengthExcellent
BBB RatingA+
A.M. BestA
NAIC Complaint Ratio0.36 (2013)

Shelter Mobile App Rating

iOS
     2.335 user reviews
Android
     2.3240 user reviews

The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

Pros & Cons of Shelter Insurance

  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.

Common Questions about Shelter

What is the best way to find Shelter Insurance near me?

You can look for an agent near you on Shelter’s website. The company has more than 1,400 insurance agents across 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.

What is Shelter Insurance’s roadside assistance?

Shelter Insurance offers roadside assistance at no additional cost. It’s a service available 24/7 and pays for services up to $100 per incident. Call 1-855-817-6510, if you need any of these services: 

  • Fuel Assistance
  • Flat Tire Service
  • Lock-Out Service
  • Battery Jump Start
  • Towing

What is comprehensive coverage with Shelter Auto Insurance?

Comprehensive coverage with Shelter Auto Insurance helps you pay to repair or replace your vehicle for most causes not covered by collision coverage. Common perils covered by comprehensive coverage:

  • Fire
  • Theft
  • Flood
  • Hail Damage
  • Falling Objects
  • Windshield Chips

When you purchase this kind of coverage you choose a deductible amount. Comprehensive coverage is optional in all states.

Does Shelter Insurance have good customer service?

JD Power & Associates 2013 customer satisfaction report listed Shelter as having the third-highest level of satisfaction amongst policyholders in the entire Central Region, just behind State Farm and Auto-Owners Insurance.

Is Shelter Insurance nationwide?

Shelter Insurance operates in 15 states including: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. The companies headquarter is in Columbia, Missouri.

Does Shelter Insurance cover rental cars?

Yes, Shelter Insurance offers rental reimbursement, which pays for the cost of renting reliable transportation while your car is being repaired after an accident. It may apply in the case of theft.

How to save monthly on Shelter auto insurance?

Shelter Insurance offers you a variety of discounts including:

  • Safe Driver Discount
  • Good Student Discount
  • Pay in Full Discount
  • Multi-car Discount
  • Companion Policy Discount
  • Companion Life Discount
  • Passive Restraint Discount
  • Accident Prevention Course Discount
  • Military Discount
  • Anti-Theft Discount - Kentucky and Illinois Residents
  • Window Identification System Discount – Louisiana Residents
  • Multi-coverage Discount - Nevada Residents
  • Driver Training Course Discount

What is the Driver Training Course discount with Shelter?

The Shelter offers a Driver Training Course discount, which can reduce premiums if every driver in the household under age 21 has completed an approved driver’s education course.

Does Shelter Insurance offer accident forgiveness?

Shelter Insurance doesn’t offer accident forgiveness.

Where does Shelter Insurance rank?

Shelter Insurance ranks as "Highest in Customer Satisfaction among Auto Insurers in the Central Region" by J.D. Power, in 2019. The company has been a Better Business Bureau accredited business since 2000 and has an A+ rating with BBB. Also, it has an A rating with A.M. Best.

Does Shelter Insurance sell health insurance?

No, Shelter Insurance doesn’t offer health insurance. However, the company offers an extensive list of products.

How to get discounts with Shelter Business Insurance?

How to get discounts with Shelter Business Insurance? Shelter Insurance offers you an extensive list of discounts, including:

  • Safe Driver Discount
  • Good Student Discount
  • Pay in Full Discount
  • Multi-car Discount
  • Companion Policy Discount
  • Companion Life Discount
  • Passive Restraint Discount
  • Accident Prevention Course Discount
  • Military Discount
  • Anti-Theft Discount - Kentucky and Illinois Residents
  • Window Identification System Discount – Louisiana Residents
  • Multi-coverage Discount - Nevada Residents
  • Driver Training Course Discount
  • New Home Discount
  • Claim-Free Discount
  • Heating System Discount
  • Protective Devices Credit
  • New Mobile Home Discount
  • New Structure Discount
  • Improved Structure Discount
  • Automatic Sprinkler Credit
  • Construction Credit
  • Condominium Credit

What coverage does Shelter Business Insurance have?

Shelter Business owners insurance offers the following coverage options: 

  • Building Coverage
  • Other Structures
  • Personal Property
  • Personal Liability
  • Medical Payments

Other coverage options such as: debris removal, off-premise coverage, trees, shrubs, plants, extra expense coverage, personal effects, accounts receivable, valuable papers and records, fire extinguisher recharge, transportation, elevator collision, fire department charges, emergency removal, seasonal automatic increases, theft damages to buildings, personal property of others in your care and personal injury

What is Junior Special Life Insurance by Shelter?

Junior Special Life Insurance guarantees your child the ability to secure coverage as adults, even if they develop health problems after childhood. Here is what is provided by this type of insurance: Up to $20,000 of coverage until age 26 with a one-time premium payment. Coverage for children or grandchildren age 17 and younger. Coverage conversion at age 25 to a permanent life insurance policy with up to five times the original face value.

Shelter Insurance Products

Auto InsuranceBusiness Auto Insurance
Motorcycle InsuranceRenters Insurance
RV Insurance ATV Insurance
Boat InsuranceLife Insurance
Farm InsuranceHome Insurance
Mobile Home InsuranceCondo Insurance
Dwelling Fire Insurance Flood Insurance
Umbrella InsuranceBusiness Owners Insurance
Personal Articles Insurance

Shelter Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments

This protection covers you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Car Rental

This coverage takes care of renting a vehicle while yours is being repaired.

Roadside Assistance

This coverage helps you get back and driving if you have a roadside breakdown. Covers the costs of towing and labor.

Gap insurance

This coverage pays for the difference between payout of collision coverage and the amount you still owe on your financed car.

Loss of Use

This coverage provides a single payment to cover living expenses that arise from being without your car.

Accidental death

This form of coverage pays out if you or your spouse dies in a car accident or after being struck by a car.

Disability Income

This coverage helps you pay a weekly stipend up to a year, in case of an accident leaves you out of work.

Discounts

Safe Driver DiscountGood Student Discount
Pay in Full DiscountMulti-car Discount
Companion Policy DiscountCompanion Life Discount
Passive Restraint DiscountAccident Prevention Course Discount
Military DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Window Identification System Discount – Louisiana ResidentsMulti-coverage Discount - Nevada Residents
Driver Training Course Discount

Shelter Auto Insurance Rates by State

Rates Not Currently Available

Shelter Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate
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Shelter Auto Insurance Rates by Homeownership

Own/Rent Avg Monthly Rate
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Shelter Contact Info

Address1817 West Broadway - Columbia, MO 65218
Phone1-800-743-5837
Website https://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://vimeo.com/user48805731

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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