The bottom line:
Shelter sells a range of insurance products and offers many discounts, but products aren't available in all states.
- Fewer complaints than similarly sized companies.
- Many discounts available.
- User-friendly website and mobile app that allow online claims and bill payments.
- Not offered in every state.
- Some discounts may not be available, depending on where you live.
Auto insurance review
4.0/5 NerdWallet rating
Shelter Insurance is a Missouri-based insurance company that offers auto, home and life insurance policies as well as other types of coverage in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee.
» MORE: Best car insurance companies
Shelter auto insurance coverage
In addition to typical car insurance coverage options, Shelter offers:
New car replacement coverage. If you total a new car that you bought within the last year and it has less than 15,000 miles on it, Shelter will pay for a brand-new car of the same year, make and model. This coverage is included with every auto insurance policy on new vehicles, which is a rare perk.
Disability income coverage. If you're in a car crash and can’t return to work because of your injuries, Shelter will provide a weekly stipend for up to one year. This coverage may not be available in all states.
Accidental death coverage pays out if you or your spouse dies in a car crash. This coverage can be extended to additional family members.
Gap insurance. Shelter will cover the cost difference if your collision coverage doesn’t cover the full amount you owe on your vehicle after it’s totaled.
» MORE: Compare car insurance rates
Auto insurance discounts
Safe driver discount.
Good student discount.
Discount if you pay your premiums in full every six or 12 months.
Companion policy discount if you're at least 48 years old and own another qualifying Shelter policy.
Discount if you have both a life insurance policy and a property policy along with your auto insurance.
Safety discount if your car has factory-installed air bags or automatic seat belts.
Discount if you pass an accident-prevention course.
Military discount for active personnel based in Louisiana.
Discount if every driver in your household younger than 21 has completed an approved driver’s education class.
Anti-theft device discount (available in Kentucky and Illinois only).
Discount on uninsured and underinsured motorist coverage when your household has at least two vehicles, motorcycles or motor homes insured with Shelter (Nevada only).
Window identification discount if you have your car’s vehicle identification number etched into every window (Louisiana only).
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
Homeowners insurance review
4.0/5 NerdWallet rating
Shelter home insurance coverage
Shelter’s home insurance policy offers the typical coverage to protect your home and property, as well as additional coverage such as:
Debris removal. Shelter will cover the cost to remove debris after a covered claim.
Necessary repairs after a loss. This coverage will repay you for repairs to protect your home from additional damage after an event, such as patching a hole to prevent rain or animals from entering your home.
Fire department charge reimbursement. Shelter will reimburse up to $500 of fire department charges if they're called to protect your home.
Trees, shrubs, plants and lawns coverage will reimburse you for damage to greenery on your property after a qualifying claim.
Credit card fraud and check forgery will pay up to $1,000 if an unauthorized person uses your credit card or forges a check in your name.
Home insurance discounts
Multiple policy (bundling) discount.
Protective devices discount if you have smoke alarms, security alarms and deadbolt locks.
Claim-free discount if you don’t file a claim on your policy for six consecutive years.
New home discount.
Heating system discount if you don’t burn coal, wood or other solids.
Life insurance review
3.5/5 NerdWallet rating
Shelter life insurance coverage
EZ Term Life Insurance: $50,000 of term life insurance is available for most people up to 40 years old. Monthly premiums remain the same throughout the term, and the policy can be converted to permanent life insurance at any time before age 40 without proof of good health.
Level Term Life Insurance is available in 10-, 20- or 30-year terms, and is renewable up to the age of 95. Coverage amounts start at $100,000.
Shelter Express Term Life Insurance is available for people between the ages of 18 and 60 who want a term life insurance policy without a physical exam. As long as you can pass Shelter’s health questionnaire, you can receive coverage of up to $100,000.
Junior Special Insurance: $20,000 of coverage is available for a child or grandchild under the age of 17. Coverage can be converted to a permanent life policy of up to five times the face value when the person turns 25.
Shelter also offers permanent life insurance policies, including whole and universal life.
Shelter had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. Shelter had fewer than the expected number of complaints about home and life insurance.
More about Shelter insurance
Website: Shelter’s website is easy to navigate, with insurance offerings accessible from the main menu. You can get a quote and find a nearby Shelter agent directly from the homepage.
Mobile app: Shelter’s mobile app can be used to view policy details, pay your bill, request roadside assistance and contact your Shelter agent.
Other insurance from Shelter
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Home insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Life insurance ratings methodology
NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Frequently asked questions
You can get quotes online or over the phone.
Shelter products are available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee.
You can file a claim on Shelter's website. If you’re not a customer, or you’re filing a life or auto glass claim, you can do so by calling a Shelter agent.