Shelter Home Insurance Review: Ratings and Quotes (2025)

If you’re in the market for a home insurance policy, you might be considering Shelter Insurance. It offers a number of unique coverage options plus a long list of discounts and high financial strength ratings.

This review can help you determine whether Shelter Insurance makes sense for your unique situation.

Shelter home insurance at a glance

Shelter home insurance coverage options

Here’s an overview of the standard home insurance policies you may buy through Shelter Insurance:

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  Dwelling coverage

  Dwelling insurance covers your home and any structures attached to it. It also protects other permanent equipment, like your home’s heating and cooling systems.

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  Other structures coverage

  Other structures coverage protects structures on your property that aren’t attached to your home. This may include sheds, detached garages, guest houses, and pools.

• 

  Personal property coverage

  Personal property coverage is for your belongings. It can help repair or replace clothing, electronics, furniture, and other personal items after a covered loss.

• 

  Additional living expenses coverage

  If your home becomes unlivable after a covered loss, additional living expenses coverage will reimburse you for the costs you’ll incur to live somewhere else. For example, it can cover hotel accommodations and meals.

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  Personal liability coverage

  Personal liability coverage may kick in if someone sues you after damage or an injury that occurs on your property. It can also reimburse their medical bills.

Optional Shelter home insurance coverages

Shelter also offers these policies that you may add to your standard home insurance policy:

• Earthquake coverage: If you live in an earthquake-prone area, earthquake insurance can protect your property from earthquake-related damages.

• Inflation coverage: With inflation protection, you can ensure that your home’s insured value is as close as possible to its restoration cost.

• Identify fraud coverage: Identity fraud insurance may be useful if you become a victim of identity theft and want to restore your identity and credit.

• Sewer and drain backup coverage: If a sewer or drain backup wreaks havoc on your property, this type of insurance can help.

• Increased personal computer coverage: While standard home insurance will cover your computer after a covered peril, increased personal computer coverage is more comprehensive. It may protect it from liquid spills, screen cracks, and more.

• Business coverage: If you run a home business on your premises, business coverage can be worthwhile. It can protect you from unforeseen claims related to your venture.

• Roadside assistance coverage: 24/7 roadside assistance may be a real lifesaver if you get stranded during a driving emergency and need a tire change or towing, for example.

Note that optional coverages may vary by state, so it’s a good idea to ask a local agent about what’s available near you.

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Availability of Shelter home insurance 

Shelter Insurance sells its products through agents in 14 states. It’s available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, and Tennessee.

Shelter home insurance cost

Homeowners insurance through Shelter Insurance costs an average of $5,955 annually for $300,000 in dwelling coverage, according to Insurify data. This is more expensive than premiums from other home insurance companies.

Shelter average rates by dwelling coverage amount

Dwelling coverage pays to repair or rebuild your home after a covered loss. More dwelling coverage leads to more expensive rates, and vice versa.

Here’s a look at average Shelter premiums based on various dwelling coverage amounts.

Dwelling Coverage Amount	Average Annual Premium
$100,000	$2,312
$200,000	$4,353
$300,000	$5,955
$400,000	$7,703
$500,000	$9,454

Shelter average rates by state

Shelter’s homeowners insurance premiums vary by state and ZIP code. This is due to geographical differences in weather conditions, crime rates, and construction costs. The table below shows average rates for a Shelter home insurance policy, broken down by available state.

State	Average Annual Premium
Arkansas	$4,919
Colorado	$3,483
Iowa	$3,507
Kansas	$3,438
Louisiana	$20,542
Missouri	$3,001
Oklahoma	$5,275
Tennessee	$3,472

How customers feel about Shelter home insurance

On Trustpilot, Shelter Insurance scores 2.1 out of 10 stars based on only 10 reviews.^[2] Many of the reviews present mention poor customer service or a refusal to pay claims.

While the home insurance company isn’t accredited by the Better Business Bureau (BBB), it holds an A+ rating.^[3] But despite its high BBB rating, customers have lodged 103 total BBB complaints in the past three years. 

Most of the Shelter insurance reviews are related to rude customer service agents and unfair claims denials. Note that compared to other home insurance companies, Shelter has few reviews, so it’s difficult to gauge how customers feel about it.

Shelter industry ratings

Industry ratings from reputable, third-party organizations like AM Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC) help demonstrate Shelter Insurance’s stability and customer satisfaction. Ratings indicate how likely an insurer is to follow through on its insurance contracts and pay damage for covered claims.

Fortunately, Shelter holds strong ratings, which you can see in the table below.

Rating	Score	What This Means
AM Best	A	Excellent financial strength rating
NAIC Complaint Index	0.79	Fewer complaints than average

Shelter home insurance discounts

Shelter offers the following discounts:

• Protective devices credit discount: You can land a discount on your insurance policy if you have a device such as an alarm or deadbolt locks on your property.

• Claim-free discount: Shelter will reward you with a discount if you don’t file a home insurance claim for at least six years in a row.

• New home discount: If your home is under construction, you may receive a one-year discount of up to 40%.

• Heating system discount: You might qualify for a healing system discount if your home is free of a fuel heating device such as wood or coal.

Shelter insurance bundling options

If you buy two or more insurance products from the same insurance company — such as your auto policy and home or life insurance — you may be eligible for a bundling discount. Shelter refers to its bundling discount as the “companion policy discount.”

For more information on bundling options offered by Shelter Insurance, check with a local agent.

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How to file a home insurance claim with Shelter

Here’s how to file a homeowners insurance claim with Shelter:

1. Log into your My Shelter account or call Shelter at 1 (800) 743-5837 to speak with a customer service representative and file a claim.

2. Provide basic personal information such as your policy number, and describe the nature of your home insurance claim. If possible, include documentation in the form of photos, videos, or receipts.

3. Wait for an adjuster to get back to you to explain the next steps in the home insurance process.

4. Upon approval, Shelter Insurance will reimburse you for your claim.

Shelter vs. other insurance companies

The property insurance market is highly saturated, making it important to shop around for an insurance policy and compare your options. Here’s how Shelter compares to other insurance companies on the market.

Shelter vs. American Family

Based in Madison, Wisconsin, American Family was founded in 1927. Like Shelter, it offers a variety of add-ons and discount options. But American Family has cheaper rates and is available in more states. Plus, American Family scored above average in the J.D. Power 2024 U.S. Property Claims Satisfaction Study. The study didn’t include Shelter.

Shelter vs. Frontline

Frontline home insurance is ideal for homeowners in Florida and other coastal regions, thanks to its unique hurricane deductible perk. Through the Stepdown deductible, policyholders can receive their hurricane deductible back in cash if they don’t file a claim for five years.

While Shelter homeowners insurance is available in 14 states, Frontline only serves these six states: Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia. Shelter also advertises more discounts.

Shelter home insurance FAQs