Shelter Life Insurance Company Review (2024)
Shelter Life Insurance Company, distinguished by its A+ rating and minimal complaints, stands as a reliable choice in the insurance market, offering a diverse range of coverage options from life and health insurance to auto and property insurance to meet varied needs.
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: Apr 23, 2024
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: Apr 23, 2024
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.
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Shelter Life Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Comprehensive range of insurance products
- Strong commitment to customer satisfaction
- Competitive rates and customizable policies
- Reliable and trusted name in the industry
- Exceptional customer service
Cons
- Limited availability in certain regions
- Some policy options may be more expensive than competitors
Shelter Life Insurance Company stands as a trusted and reliable partner in safeguarding your future, offering an array of insurance solutions tailored to your unique needs. With an A+ rating from A.M. Best and a low complaint level, Shelter Life’s reputation for excellence is well-earned.
Their extensive range of insurance offerings, including life, health, property, and auto insurance, ensures comprehensive coverage and peace of mind.
Moreover, their commitment to customer satisfaction, competitive rates, and customizable policies sets them apart in the industry. From protecting your loved ones with life insurance to securing your assets with property insurance, Shelter Life is your dependable choice for comprehensive insurance solutions.
Shelter Life Insurance Company Insurance Coverage Options
Shelter Life Insurance Company provides a wide range of coverage options to meet the diverse needs of its policyholders. Here is a comprehensive list of coverage options typically offered by Shelter Life:
- Life Insurance: Shelter Life offers various types of life insurance policies, including term life, whole life, and universal life insurance, providing financial protection for policyholders and their beneficiaries in the event of death.
- Health Insurance: Shelter Life offers health insurance plans that cover medical expenses, including doctor visits, hospital stays, prescription drugs, and preventive care. Options may include individual health plans and family coverage.
- Homeowners Insurance: Shelter Life provides homeowners insurance to protect your home and personal belongings from risks such as fire, theft, and natural disasters.
- Renters Insurance: If you’re renting a property, Shelter Life offers renters insurance to safeguard your personal possessions and provide liability coverage.
- Condo Insurance: Condo owners can benefit from specialized insurance coverage tailored to the unique needs of condominium living.
- Auto Insurance: Shelter Life offers comprehensive auto insurance policies, including liability coverage, collision coverage, and comprehensive coverage, to protect you and your vehicle in case of accidents or damage.
- Property and Casualty Insurance: Shelter Life provides coverage for a wide range of property and casualty needs, including coverage for valuable items, personal liability protection, and more.
- Umbrella Insurance: For additional liability protection beyond the limits of your standard policies, Shelter Life offers umbrella insurance to provide extra security and peace of mind.
- Business Insurance: Shelter Life extends its coverage options to businesses, offering commercial insurance solutions to protect business assets, employees, and operations.
- Specialty Insurance: Shelter Life may also offer specialty insurance products tailored to unique needs, such as recreational vehicle (RV) insurance, boat insurance, and motorcycle insurance.
- Additional Services: Shelter Life may provide various additional services, such as financial planning and retirement solutions, to help policyholders secure their long-term financial future.
It’s important to note that the availability of these coverage options and their specific details may vary based on your location and the type of policy you choose. When considering insurance coverage with Shelter Life, it’s advisable to consult with their representatives to customize a policy that suits your individual needs and circumstances.
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Shelter Life Insurance Company Insurance Rates Breakdown
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Driver Profile | Shelter Life | National Average |
---|---|---|
Clean Record | $54 | $119 |
1+ Ticket | $71 | $147 |
1+ Accident | $83 | $173 |
DUI | $104 | $209 |
Poor Credit | $93 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Shelter Life Insurance Company Discounts Available
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Discounts | Shelter Life |
---|---|
Anti Theft | 8% |
Good Student | 13% |
Low Mileage | 10% |
Paperless | 8% |
Safe Driver | 13% |
Senior Driver | 10% |
Shelter Life Insurance Company offers various discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior, promote safety, and encourage loyalty. Here is a list of some of the discounts typically offered by Shelter Life:
- Multi-Policy Discount: If you bundle multiple insurance policies with Shelter Life, such as auto and home insurance, you can qualify for a multi-policy discount, reducing the overall cost of your coverage.
- Safe Driver Discount: Policyholders with a clean driving record and no recent accidents or traffic violations may be eligible for a safe driver discount, which can significantly lower auto insurance premiums.
- Good Student Discount: Students who maintain good grades in school may be eligible for a good student discount, encouraging academic excellence while reducing insurance costs.
- Home Safety Features Discount: For homeowners, installing safety features like smoke detectors, burglar alarms, or fire extinguishers can lead to discounts on homeowners’ insurance premiums.
- Loyalty Discount: Shelter Life values long-term customer relationships. As a result, policyholders who have been with the company for an extended period may qualify for a loyalty discount.
- Claims-Free Discount: Policyholders who have not filed any claims during a specific period may be eligible for a claims-free discount as a reward for responsible insurance usage.
- Advanced Payment Discount: Making an annual or semi-annual lump-sum payment instead of monthly payments can result in an advanced payment discount, helping customers save on administrative fees.
- Multi-Vehicle Discount: If you insure multiple vehicles under the same policy, you can often receive a multi-vehicle discount, reducing the cost of insuring each vehicle.
- Defensive Driving Course Discount: Completing an approved defensive driving course can lead to discounts on auto insurance premiums and may also enhance driving skills.
- Military Discount: Active-duty military personnel and veterans may be eligible for special discounts as a token of appreciation for their service.
It’s important to note that the availability and specifics of these discounts can vary by location and policy type. Customers interested in taking advantage of these discounts should contact Shelter Life Insurance Company directly to inquire about eligibility and potential savings.
How Shelter Life Insurance Company Ranks Among Providers
Shelter Life Insurance Company operates in a highly competitive insurance industry, where several well-established companies vie for market share. Some of Shelter Life’s main competitors include:
- State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, life, and health insurance. They have a vast network of agents and a strong presence in the market.
- Allstate: Allstate is another major player in the insurance industry, known for its broad array of insurance options and comprehensive coverage. They have a strong advertising presence and a solid reputation for customer service.
- Geico: Geico is renowned for its competitive auto insurance rates and extensive marketing efforts. They are known for offering online and phone-based services, making it convenient for customers to obtain quotes and manage their policies.
- Progressive: Progressive is a leading auto insurance provider with a focus on innovation and competitive pricing. They are known for their Snapshot program, which offers discounts based on driving behavior.
- Prudential: Prudential is a major life insurance company that competes with Shelter Life in the life insurance market. They offer a wide range of life insurance products and investment solutions.
- Liberty Mutual: Liberty Mutual is known for its diverse range of insurance offerings, including auto, home, and property insurance. They emphasize personalized coverage options.
- Nationwide: Nationwide is a well-known insurance company offering a variety of insurance products and financial services. They have a strong presence in both personal and commercial insurance markets.
- Farmers Insurance: Farmers Insurance provides a wide range of insurance products and is particularly strong in the home and auto insurance sectors. They have a network of local agents across the country.
Competition in the insurance industry is fierce, and customers often choose providers based on factors such as pricing, coverage options, customer service, and reputation. Shelter Life must continue to innovate and provide excellent service to stay competitive in this dynamic market.
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Shelter Life Insurance Company Claims Process
Ease of Filing a Claim
Shelter Life Insurance Company provides policyholders with multiple convenient options for filing insurance claims. Whether you prefer the ease of online submissions, the personal touch of speaking with a representative over the phone, or the efficiency of mobile apps, Shelter Life has you covered.
Average Claim Processing Time
One crucial aspect of any insurance company’s performance is how quickly they process claims. Shelter Life Insurance Company is dedicated to swift claim processing to provide policyholders with timely assistance during difficult times.
While specific processing times may vary depending on the nature and complexity of the claim, Shelter Life strives to keep the wait times to a minimum, ensuring that you receive the support you need when you need it most.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s reliability and customer service quality. Shelter Life Insurance Company has garnered positive reviews from policyholders regarding their claim resolutions and payouts.
Shelter Life Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Shelter Life Insurance Company offers a user-friendly mobile app that enhances the overall customer experience. The app provides convenient access to policy information, claims filing, and other essential services.
With features designed to simplify insurance management, such as bill payment and policy updates, Shelter Life’s mobile app empowers policyholders to have greater control over their insurance coverage from the palm of their hand.
Online Account Management Capabilities
Managing your insurance policies and accounts online has never been easier with Shelter Life. Their online account management platform allows policyholders to access and update their policies, review billing statements, and track claims progress. The intuitive interface makes it simple to stay informed and in control of your insurance matters, providing a seamless digital experience.
Digital Tools and Resources
Shelter Life Insurance Company goes beyond the basics by offering a range of digital tools and resources to support their policyholders. From educational materials to assist in making informed insurance decisions to calculators that help determine coverage needs, Shelter Life’s digital resources are designed to empower customers to make the right choices for their unique insurance requirements.
Frequently Asked Questions
What types of life insurance policies does Shelter Life offer?
Shelter Life Insurance Company offers a range of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. These policies are designed to provide financial protection and peace of mind to policyholders and their beneficiaries in the event of death.
How can I get a quote from Shelter Life?
Getting a quote from Shelter Life is easy. You can visit their website and use their online quote tool, which typically requires you to provide some basic information about your insurance needs. Alternatively, you can contact Shelter Life directly by phone or email to speak with one of their representatives who can assist you in obtaining a personalized quote.
Does Shelter Life offer discounts on bundled insurance?
Yes, Shelter Life often offers discounts when you bundle multiple insurance policies with them. This is known as a multi-policy discount. By combining, for example, your auto and home insurance policies with Shelter Life, you can usually enjoy cost savings on your overall insurance premiums.
What sets Shelter Life apart from other insurance companies?
Shelter Life Insurance Company distinguishes itself through its commitment to customer satisfaction, competitive rates, and customizable policies. They have a strong reputation for reliability and exceptional customer service, making them a trusted choice for many policyholders.
Are there any additional services or benefits for Shelter Life customers?
Yes, in addition to insurance coverage, Shelter Life may offer additional services, such as financial planning and retirement solutions. These services are designed to help policyholders secure their long-term financial well-being.
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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.