Shelter General Insurance Company Review (2024)

Unveil the myriad offerings and discounted coverage options through a comprehensive review of Shelter General Insurance Company, a trusted guardian providing nationwide protection across home, auto, health, travel, pet, business, and life insurance, assuring financial security while prioritizing customer needs and preferences.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Shelter General Insurance Company

Average monthly rate for homeowners:

N/A

A.M. Best rating:

A+ (Superior)

Complaint level:

Low

Pros

  • Offers a wide array of insurance coverage options
  • Generally recognized for financial stability and reliability
  • Positive feedback on attentive and personalized customer service
  • Known for active involvement in community initiatives

Cons

  • Geographic limitations in service coverage areas
  • Some complaints regarding delays in claims processing
  • Policies might have limitations and exclusions in coverage
  • Rates may not always be the most competitive in the market

In this comprehensive guide, we explore Shelter General Insurance Company, a trusted guardian of financial security, offering a diverse array of insurance policies tailored to a wide range of needs. From Home and Auto Insurance to Health, Travel, Pet, Business, and Life Insurance, Shelter stands as a reliable partner in safeguarding your future.

With nationwide coverage, exceptional customer service, and the flexibility to bundle policies for discounts, Shelter shines as a top choice. While the article provides an informative overview of their offerings, it lacks specific policy details, pricing information, and innovative features, leaving potential customers curious about the finer points of their insurance solutions.

Nonetheless, Shelter General Insurance Company’s low complaint level and A.M. Best rating of A+ (Superior) underscore its commitment to providing trustworthy protection.

Shelter General Insurance Company Insurance Coverage Options

Shelter General Insurance Company offers a wide range of coverage options across various insurance categories to meet diverse customer needs. These coverage options include:

Home Insurance

  • Structural Damage Coverage
  • Personal Property Protection
  • Liability Coverage
  • Additional Living Expenses

Auto Insurance

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Coverage

Health Insurance

  • Medical Expense Coverage
  • Hospitalization Coverage
  • Prescription Drug Coverage
  • Wellness Programs
  • Network of Healthcare Providers

Travel Insurance

  • Trip Cancellation Coverage
  • Medical Emergency Coverage Abroad
  • Lost Luggage Coverage

Pet Insurance

  • Veterinary Expense Coverage
  • Wellness Coverage for Preventive Care

Business Insurance

  • Property and Asset Protection
  • Liability Coverage
  • Business Interruption Coverage
  • Customized Solutions for Different Business Types

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Financial Security for Loved Ones
  • Legacy Planning

These comprehensive coverage options demonstrate Shelter’s commitment to providing policyholders with the protection they need, whether it’s safeguarding their home, vehicle, health, travel plans, pets, business, or their family’s future. Customers can customize their policies to suit their specific requirements and gain peace of mind in a variety of life situations.

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Shelter General Insurance Company Insurance Rates Breakdown

Driver ProfileShelter General InsuranceNational Average
Clean Record$91$119
1+ Ticket$133$147
1+ Accident$187$173
DUI$229$209
Poor Credit$157$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Shelter General Insurance Company Discounts Available

DiscountsShelter General Insurance
Anti Theft17%
Good Student20%
Low Mileage15%
Paperless9%
Safe Driver29%
Senior Driver17%

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Shelter General Insurance Company provides various discounts to help customers save on their insurance premiums. These discounts include:

  • Multi-Policy Discount: Save when bundling multiple insurance policies.
  • Safe Driver Discount: Lower rates for accident-free and responsible drivers.
  • Good Student Discount: Discounts for students with strong academic records.
  • Home Security Discount: Reduced premiums for homes with security systems.
  • Claims-Free Discount: Rewards for policyholders with a history of no claims.
  • Senior Discount: Special rates for senior citizens on various policies.
  • Military/Veteran Discount: Discounts for active military personnel and veterans.
  • Multi-Vehicle Discount: Savings for insuring multiple vehicles under one policy.
  • Pay-in-Full Discount: Lower rates for those who pay premiums in full upfront.
  • Affinity Group Discount: Group savings for members of specific organizations.
  • Low Mileage Discount: Reduced rates for policyholders who drive fewer miles.

These discounts make Shelter an attractive choice for those seeking affordable and comprehensive insurance coverage.

How Shelter General Insurance Company Ranks Among Providers

Shelter General Insurance Company operates in a highly competitive insurance industry, and its main competitors can vary depending on the specific types of insurance policies it offers and its regional presence. Here are some of the potential main competitors for Shelter in various insurance categories:

  • State Farm: State Farm is a major player in the insurance industry, offering a wide range of insurance products, including Home, Auto, Health, and Life Insurance. They have a significant nationwide presence and a strong reputation for customer service.
  • Allstate: Allstate is another well-known insurance company that competes with Shelter, particularly in the Auto and Home Insurance sectors. They emphasize personalized coverage and offer a variety of discounts.
  • Geico: Geico is known for its Auto Insurance policies and is one of the largest auto insurers in the United States. Their competitive pricing and advertising campaigns make them a strong competitor for Shelter in the auto insurance market.
  • Blue Cross Blue Shield: In the Health Insurance sector, Blue Cross Blue Shield is a formidable competitor. They have a vast network of healthcare providers and offer a range of health insurance options to individuals and businesses.
  • Travelers: Travelers Insurance is a major competitor for Shelter in the Travel Insurance and Business Insurance sectors. They provide insurance solutions for both personal and commercial needs, with a focus on risk management.
  • Progressive: Progressive is a direct competitor to Shelter in the Auto Insurance market, known for its innovative policies and use of technology to offer competitive rates to customers.
  • Nationwide: Nationwide offers a variety of insurance products, including Home, Auto, and Pet Insurance. They compete with Shelter in the Home and Auto Insurance segments.
  • Prudential: Prudential is a major competitor in the Life Insurance sector, offering a range of life insurance and financial products. They compete with Shelter in providing financial security to individuals and families.

Each of these competitors may have its own unique strengths and weaknesses, pricing strategies, and customer service approaches, making it essential for consumers to carefully compare policies and choose the one that best suits their individual needs and preferences.

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Shelter General Insurance Company Claims Process

Ease of Filing a Claim

Shelter General Insurance Company provides a straightforward and user-friendly claims process, offering multiple channels for filing claims. Customers can conveniently file claims through their online portal, over the phone, or by using the mobile app.

Average Claim Processing Time

The average claim processing time with Shelter General Insurance Company is known for its efficiency. Thanks to their digital infrastructure and streamlined procedures, most claims are processed promptly. Customers generally experience a quick turnaround, allowing them to get back on their feet sooner in times of need.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a critical aspect of assessing an insurance company’s performance. Shelter General Insurance Company consistently receives positive feedback from policyholders regarding their claim resolutions and payouts.

Shelter General Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Shelter General Insurance Company offers a robust mobile app with a wide range of features and functionalities. Policyholders can use the app to access their policies, view coverage details, and file claims directly from their mobile devices. The app provides real-time updates on the status of claims and allows users to make payments and manage their accounts conveniently on the go.

Online Account Management Capabilities

The company’s online account management capabilities are designed to empower customers with self-service options. Policyholders can log in to their online accounts to review and update their policies, make payments, and access important documents.

Digital Tools and Resources

Shelter General Insurance Company goes beyond basic coverage by offering a suite of digital tools and resources. These resources include educational materials, insurance calculators, and risk assessment tools that help customers make informed decisions about their insurance needs.

Frequently Asked Questions

How can I request a quote from Shelter General Insurance Company?

To get a quote, simply visit Shelter’s official website and use their online quote tool. You can also contact their customer support for assistance.

Are Shelter’s insurance policies available nationwide?

Yes, Shelter General Insurance Company offers coverage nationwide, ensuring you can protect yourself and your assets no matter where you are.

Can I bundle multiple insurance policies with Shelter for a discount?

Absolutely! Shelter offers discounts for bundling multiple policies, helping you save on your insurance premiums.

What types of businesses does Shelter’s Business Insurance cover?

Shelter’s Business Insurance can cover a wide range of businesses, from small startups to large corporations. They tailor their solutions to meet your specific needs.

What is the waiting period for Shelter’s Life Insurance policies?

The waiting period for Shelter’s Life Insurance policies may vary depending on the type of policy you choose. It’s best to consult with a Shelter representative for detailed information on waiting periods.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption