Shelter Mutual Insurance Company Review (2024)
Shelter Mutual Insurance Company stands as a reliable choice in the insurance landscape, offering a diverse range of products, including home, auto, life, and specialty insurance, all backed by competitive rates and an efficient claims process.
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 Mutual Insurance Company
Average Monthly Rate For Good Drivers
$150A.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Comprehensive coverage options for home, auto, life, and specialty insurance.
- Competitive rates and flexible policy options.
- Efficient claims process for quick resolution.
- Safe driving discounts are available for auto insurance.
- Diverse range of specialty insurance products
Cons
- Limited geographical availability, primarily serving certain regions.
- May not offer some specialized insurance products available from larger national insurers.
- Specific discounts and eligibility criteria may vary by location.
In this comprehensive article, we delve into the world of Shelter Mutual Insurance Company, a trusted name in the insurance industry.
Offering a diverse array of insurance products, including home, auto, life, and specialty insurance, Shelter Mutual stands out with its competitive rates and flexible policy options. With a low complaint level and an efficient claims process, customers can trust in the company’s commitment to protecting their homes, vehicles, and loved ones.
Safe driving discounts further sweeten the deal for auto insurance policyholders, while a range of specialty insurance products cater to unique needs. Whether you’re safeguarding your assets or planning for the future, Shelter Mutual has you covered with a range of pros that make it a top choice in the insurance market.
Shelter Mutual Insurance Company Insurance Coverage Options
Shelter Mutual Insurance Company provides a wide array of coverage options to meet the diverse needs of its policyholders. Whether you’re looking to protect your home, automobile, loved ones, or unique assets, Shelter Mutual has comprehensive coverage solutions. Here are the coverage options offered by the company:
Home Insurance
- Dwelling Coverage: Protection for your home’s structure in case of damage or destruction.
- Personal Property Coverage: Safeguards your belongings inside your home.
- Liability Coverage: Coverage for legal expenses and damages if someone is injured on your property.
- Additional Living Expenses: Assistance with temporary housing and living expenses during home repairs.
Auto Insurance
- Liability Coverage: Mandatory coverage to pay for injuries and damages to others in an accident you’re responsible for.
- Collision Coverage: Protection for your vehicle in case of an accident with another vehicle or object.
- Comprehensive Coverage: Coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protection if you’re in an accident with an uninsured or underinsured driver.
Life Insurance
- Term Life Insurance: Affordable coverage for a specified term, providing financial security to your beneficiaries in case of your passing.
- Whole Life Insurance: Permanent coverage that combines insurance protection with a cash value component that grows over time.
Specialty Insurance
- Boat Insurance: Coverage for your watercraft, protecting it from damage and liability.
- Pet Insurance: Financial assistance for veterinary bills and healthcare expenses for your beloved pets.
- RV Insurance: Protection for recreational vehicles, including motorhomes, travel trailers, and campers.
- Motorcycle Insurance: Coverage tailored to motorcycle enthusiasts, offering protection on the road.
- Umbrella Insurance: Additional liability coverage that extends beyond the limits of your standard policies.
- Identity Theft Protection: Safeguarding your personal information and providing assistance in case of identity theft.
Shelter Mutual’s commitment to offering a wide range of coverage options ensures that policyholders can find tailored solutions to protect their assets, loved ones, and financial security. These coverage choices reflect the company’s dedication to providing comprehensive insurance products to meet the evolving needs of its customers.
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Shelter Mutual Insurance Company Insurance Rates Breakdown
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| Driver Profile | Shelter Mutual | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $167 | $173 |
| DUI | $229 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Shelter Mutual Insurance Company Discounts Available
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| Discounts | Shelter Mutual |
|---|---|
| Anti Theft | 9% |
| Good Student | 14% |
| Low Mileage | 10% |
| Paperless | 7% |
| Safe Driver | 13% |
| Senior Driver | 10% |
Shelter Mutual Insurance Company offers a range of discounts to help policyholders save on their insurance premiums. These discounts are designed to reward safe behavior, encourage responsible practices, and provide cost-effective solutions. Here are some of the notable discounts offered by Shelter Mutual:
- Safe Driver Discount: Policyholders who maintain a clean driving record and exhibit safe driving habits are eligible for this discount, which can significantly reduce auto insurance premiums.
- Multi-Policy Discount: Customers who bundle multiple insurance policies, such as home and auto insurance, with Shelter Mutual can enjoy savings through this discount.
- Good Student Discount: Young drivers with a strong academic record may qualify for this discount, recognizing responsible student behavior as an indicator of responsible driving.
- Anti-Theft Device Discount: Installing anti-theft devices in your vehicle can lead to reduced auto insurance premiums, as it lowers the risk of theft or vandalism.
- Home Security Discount: Homeowners who have implemented security features like burglar alarms or fire alarms in their homes can qualify for lower home insurance rates.
- Life Insurance Bundling Discount: Shelter Mutual encourages policyholders to consider life insurance by offering discounts when they bundle life insurance with other policies.
- Paperless Billing Discount: Enrolling in paperless billing and receiving policy documents electronically can result in savings on insurance premiums, while also promoting eco-friendly practices.
- Loyalty Discounts: Customers who remain loyal to Shelter Mutual over the years may be eligible for loyalty discounts, rewarding their continued trust and patronage.
- Advance Purchase Discount: Policyholders who purchase their insurance policies well in advance may receive discounted rates, encouraging proactive planning.
- Renewal Discount: Shelter Mutual values loyal customers who renew their policies, and they offer renewal discounts to those who choose to stay with the company.
These discounts reflect Shelter Mutual’s commitment to providing cost-effective insurance solutions to its customers while incentivizing responsible behavior and comprehensive coverage. Policyholders can benefit from these discounts by discussing their eligibility with their insurance agent and exploring ways to maximize their savings.
How Shelter Mutual Insurance Company Ranks Among Providers
Shelter Mutual Insurance Company faces competition from several prominent players in the insurance industry. Here are some of its main competitors:
- 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. State Farm’s extensive agent network and robust financial strength make it a formidable competitor for Shelter Mutual.
- Allstate: Allstate is another major insurance company known for its diverse insurance offerings and strong brand presence. Like Shelter Mutual, Allstate provides home, auto, and life insurance, and it has a significant market share in the industry.
- Progressive: Progressive is renowned for its innovative approach to auto insurance, particularly with its Snapshot program, which rewards safe driving habits. While Shelter Mutual offers auto insurance, Progressive’s unique offerings and marketing strategies position it as a direct competitor in this segment.
- Geico: Geico is known for its humorous advertising campaigns and competitive auto insurance rates. It competes directly with Shelter Mutual in the auto insurance market, aiming to attract customers with cost-effective policies and convenient online services.
- Nationwide: Nationwide offers a broad spectrum of insurance products, including home, auto, and life insurance. With a focus on customer-centric services, Nationwide competes with Shelter Mutual in terms of comprehensive coverage and customer satisfaction.
- Farmers Insurance: Farmers Insurance is a strong competitor, particularly in the home and property insurance sectors. It provides customizable coverage options and has a substantial network of agents, making it a noteworthy rival for Shelter Mutual in these areas.
- Usaa: USAA primarily serves military personnel and their families, offering a range of insurance and financial services. While it caters to a specific demographic, USAA’s exceptional customer service and specialized insurance products can compete with Shelter Mutual in various segments.
- Liberty Mutual: Liberty Mutual is known for its extensive range of insurance products and competitive rates. It competes with Shelter Mutual across multiple insurance categories, including home, auto, and specialty insurance.
These competitors each bring their unique strengths and strategies to the insurance market, making it a highly competitive landscape. Shelter Mutual Insurance Company must continually innovate and provide exceptional customer service to maintain its position and effectively compete with these industry giants.
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Shelter Mutual Insurance Company Claims Process
Ease of Filing a Claim
Shelter Mutual Insurance Company offers multiple convenient methods for filing insurance claims, ensuring that policyholders can easily report incidents and begin the claims process. Customers can choose to file claims online through the company’s user-friendly website, over the phone with the assistance of a knowledgeable representative, or via mobile apps for added accessibility.
Average Claim Processing Time
One of the crucial factors that policyholders consider when evaluating an insurance provider is the speed at which claims are processed and resolved. Shelter Mutual Insurance Company is committed to efficient claim processing. While specific processing times may vary depending on the nature and complexity of each claim, the company strives to handle claims promptly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Shelter Mutual Insurance Company has garnered a reputation for its fair and satisfactory claim resolutions and payouts. Many policyholders have expressed satisfaction with the company’s responsiveness, fairness, and transparency during the claims process.
Shelter Mutual Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Shelter Mutual Insurance Company understands the importance of staying connected and informed in the digital age. To meet this need, the company offers a feature-rich mobile app that empowers policyholders with on-the-go access to their insurance accounts.
The app provides a range of functionalities, including policy management, claims filing, bill payments, and access to important documents. Policyholders can easily navigate and utilize these features, enhancing their overall insurance experience.
Online Account Management Capabilities
For policyholders who prefer managing their insurance policies through a web browser, Shelter Mutual Insurance Company offers robust online account management capabilities. Through the company’s secure online portal, policyholders can access their policies, review coverage details, update personal information, and make payments with ease.
Digital Tools and Resources
In addition to mobile apps and online account management, Shelter Mutual Insurance Company provides policyholders with a wealth of digital tools and resources. These resources are designed to empower customers with knowledge and support.
Policyholders can find informative articles, educational materials, and helpful guides on the company’s website, enabling them to make informed decisions about their insurance coverage. These digital resources contribute to the company’s mission of helping customers make confident insurance choices in a rapidly evolving landscape.
Frequently Asked Questions
What is the difference between home insurance and renters insurance?
Home insurance is designed for homeowners and covers both the structure of the home and personal belongings within it. Renters insurance, on the other hand, is for tenants and primarily covers personal belongings and liability without protecting the structure itself.
How can I save on my auto insurance premiums with Shelter Mutual?
Shelter Mutual offers several ways to save, including safe driver discounts, multi-policy discounts when bundling with other insurance, and discounts for anti-theft devices and home security systems. Discuss your eligibility with your agent to maximize your savings.
What factors should I consider when choosing a life insurance policy?
When selecting a life insurance policy, consider your financial goals, the length of coverage you need, and your budget. Term life insurance is cost-effective for temporary needs, while whole life insurance provides lifelong coverage and a savings component.
Are there any discounts available for bundling multiple insurance policies with Shelter Mutual?
Yes, Shelter Mutual offers multi-policy discounts for customers who bundle multiple insurance products, such as home and auto insurance. Bundling can lead to substantial savings on your premiums.
Can I customize my specialty insurance policy to suit my specific needs?
Yes, Shelter Mutual provides customization options for specialty insurance policies. Whether you’re insuring your boat, RV, motorcycle, or other unique assets, you can work with an agent to tailor the coverage to your specific requirements and preferences.
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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.
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FranklinGirl
Stay far away!
BenjaminHM
Non communicative experience.
DaRiD
Problem with Claims Communications
Atm
Great!
Leo_Kim
The product and sevice is good!
Broncos1858
Horrible experience
lesley
Trusted with good rates
Cricky73
A great company to do business with and offer discounts
kolsen
Shelter Insurance, A Great Company
beanmom
Probably the Best