KWupdatesShelter Insurance offers homeowners and auto insurance policies in 18 U.S. states. Founded in 1946, Shelter Insurance provides standard insurance products along with additional coverage options to meet customer needs. Their mission is to provide customers with quality insurance and financial services.
Products
Shelter Insurance offers standard homeowners and auto insurance products. Homeowners insurance covers damage to your home from events like fire, theft, or severe weather. Auto insurance covers liability and damage to your vehicle. The shelter also provides umbrella policies for additional liability coverage.
Optional Add-Ons
For an additional premium, Shelter offers optional add-on coverage such as:
- Identity theft protection: Covers expenses related to identity theft or fraud.
- Scheduled personal property: Provides coverage for high-value items like jewelry, art, musical instruments, electronics, and collectibles.
- Equipment breakdown: Covers damage to systems like electrical, plumbing, heating, and air conditioning.
- Roadside assistance: Provides emergency roadside help like towing, battery service, flat tire assistance, fuel delivery, and lockout service.
Claims Process
To file an insurance claim with Shelter, you can call their 24-hour claims hotline or file a claim on their website or mobile app. A claims adjuster will work with you to assess the damage, determine coverage, and settle the claim. Shelter aims to handle claims quickly and efficiently while providing a high level of customer service.
Shelter Insurance offers standard coverage and additional options to meet the needs of homeowners and auto insurance customers in their service area. With a variety of plans and add-ons available, Shelter Insurance tries to provide quality, customized coverage for their policyholders.
Shelter Insurance Coverage Options Reviewed
1. Homeowners Insurance
Shelter Insurance offers comprehensive homeowners insurance policies to protect your dwelling and personal belongings. Their policies provide replacement cost coverage for your home and possessions in the event of damage from hazards like fire, theft, or severe weather. Shelter also offers additional coverage options like replacement costs for personal property, identity theft protection, and coverage for high-value items.
2. Auto Insurance
Shelter Insurance provides auto insurance for all types of vehicles. Their policies include liability coverage to protect you financially if you cause an accident that injures another person or damages their vehicle or property. Shelter also offers collision and comprehensive coverage to repair or replace your vehicle after an accident or event like vandalism, theft, or natural disaster. Additional coverage options include roadside assistance, rental car reimbursement, and accident forgiveness.
3. Life Insurance
Shelter Insurance offers term life insurance and whole life insurance policies. Term life insurance provides coverage for a specific period and pays out a death benefit to your beneficiaries if you pass away during the coverage term. Whole life insurance provides lifetime coverage and also builds cash value that you can borrow against. Shelter’s life insurance policies provide financial protection for your loved ones if something were to happen to you.
4. Other Products
In addition to the major lines of insurance, Shelter Insurance provides other products like long-term disability income insurance, annuities, and bonds. Their disability income insurance replaces a portion of your income if you become unable to work due to illness or injury. Annuities and bonds are investment products that can generate interest to help you save for retirement or other financial goals.
Shelter Insurance aims to provide broad coverage and financial protection for individuals and families. With their range of insurance and investment products, Shelter seeks to give customers the security and stability of comprehensive risk management solutions.
Shelter Insurance Claims Process and Customer Service Review
1. Claims Process
When filing an insurance claim with Shelter Insurance, you can expect the process to typically take between 3 to 5 business days. Claims can be filed by contacting your local Shelter Insurance agent, or by calling the 24-hour claims hotline or filing a claim on the company’s website or mobile app. An insurance adjuster will be assigned to investigate your claim, review any damage, and determine fault and liability. If your claim is approved, Shelter Insurance aims to settle claims promptly and fairly. However, the time to settle a claim can vary depending on the details and complexity of your claim.
2. Customer Service
Shelter Insurance prides itself on providing quality customer service. The company has an A+ rating from the Better Business Bureau, though some customer reviews do report longer than average wait times when contacting the company by phone. When you purchase an insurance policy from Shelter Insurance, you are assigned an agent who can assist you with managing your policy, filing claims, and answering any questions. Agents are available during normal business hours. The company also has a 24-hour claims hotline and customer service phone line for emergencies and questions outside of business hours.
3. Additional Benefits
As a policyholder with Shelter Insurance, you have access to additional benefits beyond your core insurance coverage. This includes 24-hour emergency roadside assistance with options for towing, jump starts, fuel delivery, and locksmith services. Shelter Insurance also offers discounts and rewards for safe drivers and an app to help track your driving and get you the most savings. Policyholders can also save money by bundling multiple insurance policies together.
Overall, while some customers do report longer wait times, Shelter Insurance aims to provide quality customer service and a streamlined claims process. By offering additional benefits and ways to save on premiums, Shelter Insurance works to provide value beyond just your standard insurance coverage. The specific experience you have can depend on your local agent and insurance needs. However, Shelter Insurance as a company has a decent reputation for customer satisfaction according to reviews and ratings.
Cost of Shelter Insurance Policies
1. Auto Insurance
Shelter Insurance offers standard auto insurance policies to protect vehicle owners in the event of an accident or other unforeseen circumstances. Premiums for auto insurance depend on factors like the type of vehicle you drive, your driving record and history, the level of coverage you select, and your location. According to Shelter Insurance, drivers can expect to pay between $50 to $200 per month for auto insurance coverage. More affordable options like liability-only policies start around $50 per month while comprehensive and collision coverage policies tend to be on the higher end of the range.
2. Homeowner’s Insurance
Homeowner’s insurance provides financial protection for property owners in the event of events like fire, theft, or natural disasters. The average cost of homeowner’s insurance in the U.S. is around $1,000 per year. However, premiums vary significantly based on the value of your home, the amount of coverage you choose, and your location. According to Shelter Insurance, most homeowners pay between $500 to $1,500 per year for a standard policy. Additional coverage options like flood insurance or coverage for high-value items will increase your premium.
3. Life Insurance
The cost of life insurance depends on several factors like your age, health condition, lifestyle risks, and the amount of coverage you need. Term life insurance, which provides coverage for a fixed period of time, typically 10 to 30 years, is the most affordable option. According to Shelter Insurance, term life insurance premiums for a healthy 30-year-old typically start around $15 per month for $250,000 of coverage. Permanent life insurance policies like whole and universal life tend to cost between $30 to $100 per month for the same amount of coverage. Premiums are usually higher if you smoke or have pre-existing medical conditions.
In summary, Shelter Insurance offers competitive rates for various insurance products. While costs vary significantly based on individual factors, Shelter aims to provide affordable coverage options for most customers. Comparing quotes from multiple companies in your area is the best way to find a policy that meets your needs at a price you can afford.
FAQs
What types of insurance does Shelter Insurance offer?
Shelter Insurance offers a wide range of insurance products including auto, home, life, business, and farm insurance. They provide customized policies tailored to your specific needs and budget. Their auto insurance includes liability, collision, comprehensive, medical payments, and uninsured motorist coverage. Homeowners insurance includes coverage for your home, personal property, loss of use, and liability.
How long has Shelter Insurance been in business?
Shelter Insurance was founded in 1946 and has over 70 years of experience providing insurance products and services. They are headquartered in Columbia, Missouri and currently serve customers in 16 states across the Midwest and South. Shelter Insurance is known for providing dependable insurance coverage and quality customer service.
Does Shelter Insurance offer any discounts?
Yes, Shelter Insurance offers several discounts that can help lower your premiums. Some of the available discounts include:
- Multi-policy discount: Receive a discount for bundling multiple policies such as auto and home insurance. •Safe driver discount: Get a discount for having a clean driving record without any accidents or violations.
•Homeowner discount: Receive a discount if you own a home. •Student discount: Full-time students may qualify for a discount. •Anti-theft device discount: Get a discount for having an anti-theft device in your vehicle like an alarm system or tracking device.
How do I file a claim with Shelter Insurance?
To file an insurance claim with Shelter Insurance, you have a few options:
- Call their 24-hour claims hotline at 1-800-SHELTER (1-800-743-5837). You will speak with a claims representative who can take details about your claim over the phone. •Log in to your online account and submit a claim through the website. You will provide information about the claim and upload any necessary photos or documents. •Visit your local agent’s office. Your agent can help you file the claim and ensure all required information is submitted properly.
•Shelter Insurance aims to process claims quickly and efficiently. Most claims are reviewed within 3 to 5 business days. You will be contacted by a claims adjuster to discuss your claim details, review coverage, and determine next steps.
Conclusion
As you can see, Shelter Insurance has a lot to offer customers looking for affordable and comprehensive coverage. With options for auto, home, life, business, and other insurance needs, Shelter aims to be a one-stop shop. Consider reaching out to a local agent to get a quote and discuss your specific situation. Comparing options from multiple providers is a prudent move.
Also read: 7 Steps On How to Switch Insurance Agents
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