The representative was friendly and knowledgeable. He answered all my questions and was non-judgemental about my choices.
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description Shelter Overview
Shelter car insurance comes with bodily injury and property damage liability, which are required by law in nearly every state in the country. For no additional cost, policyholders get Shelter's roadside assistance and new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles — both of which typically carry a separate fee.
recommend
Best for: Ideal for individuals who need basic coverage with some extra benefits without the complexity of more expensive plans.
info Shelter Specifications
| Rating | 8.4/10 |
| Website | https://www.shelterinsurance.com/ |
| Coverage Type | Bodily injury and property damage liability |
| Additional Benefits | Roadside assistance, new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles |
| Customer Service Rating | Average |
balance Shelter Pros & Cons
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Pros
- Comprehensive coverage including bodily injury and property damage liability
- Includes roadside assistance at no additional cost
- Offers new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles
- User-friendly claims process
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Cons
- Limited network of repair shops in rural areas
- No discounts for safe driving habits
- Does not include rental car reimbursement
- Customer service can be slow during peak times
help Shelter FAQ
What does Shelter car insurance cover?
It covers bodily injury and property damage liability, as well as roadside assistance and new-car replacement coverage.
Is there a discount for safe driving?
No, Shelter does not offer discounts for safe driving habits.
What is the network of repair shops like?
The network of repair shops may be limited in rural areas, which could affect coverage.
Does it include rental car reimbursement?
No, new-car replacement and roadside assistance are the only additional benefits included.
What is Shelter ?
Shelter car insurance comes with bodily injury and property damage liability, which are required by law in nearly every state in the country. For no additional cost, policyholders get Shelter's roadside assistance and new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles — both of which typically carry a separate fee.
How good is Shelter ?
Shelter scores 8.7/10 (Very Good) on Lunoo, making it a well-rated option in the Car Insurance category. Shelter car insurance scores 8.4/10 due to its comprehensive coverage and additional benefits like roadside assistance and new-car replacement, but it...
How much does Shelter cost?
From $25/mo. Visit the official website for the most up-to-date pricing.
What are the best alternatives to Shelter ?
See our alternatives page for Shelter for a ranked list with scores. Top alternatives include: State Farm, Amica Mutual Insurance, GEICO.
What is Shelter best for?
Ideal for individuals who need basic coverage with some extra benefits without the complexity of more expensive plans.
How does Shelter compare to State Farm?
See our detailed comparison of Shelter vs State Farm with scores, features, and an AI-powered verdict.
Is Shelter worth it in 2026?
With a score of 8.7/10, Shelter is highly rated in Car Insurance. See all Car Insurance ranked.
What are the key specifications of Shelter ?
- Rating: 8.4/10
- Website: https://www.shelterinsurance.com/
- Coverage Type: Bodily injury and property damage liability
- Additional Benefits: Roadside assistance, new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles
- Customer Service Rating: Average
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Reviews & Comments
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We had a hail storm, and the adjuster came to our house and stood on the ground and looked up at the steep roof of our two story home and said he couldn't see any hail damage. I know nothing about the shingles or what to look for but could see some damage standing right next to him. Needless to say we changed companies.
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they have good customer service and free roadside assistance. however, their rates started to go up even though i never had any claim.
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Do not recommend, I asked for full coverage when I started policy. Was told it was full coverage and covered everything. Well was in a accident and now they say it doesn't cover collision and said I have liability and not full coverage. I will be changing companies by next month.
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The company is very fair, the employees at the office are helpful and courteous. I have not had a claim with them yet and hope not to but would not expect this to be a problem. Any questions that I have are answered in a knowledgeable manner. The cost of insurance is very affordable. It is very easy to pay using debit or credit online and get my ID cards to print. No running to the office or making sure I put something in the mail only to hope it arrives and on time. I am looking forward to combining all my policies with Shelter.
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Great customer service I have had to file one claim due to storm damage. They made the process so easy and quick went above and beyond to help.
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Kicked off because of filing too many claims. Was never really warned of this and caught me completely off guard.
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The agent was very helpful as I selected the proper coverage for my homes. Shelter's rates are fair. Application was processed very quickly.
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I never had a claim with shelter so i cannot comment on their process. Shelter requires homeowner policy holders to purchase their auto policy from their company. Their homeowner policies are priced much lower than other companies but their car insurance is quite a bit higher. If you add a teenager to your auto policy the rate literally doubles. It was cheaper for me to switch companies and pay A lot more for homeowners insurance than to add a teenager at shelter.
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They are reasonable priced and answer any question we may have about our insurance. I would recommend them to others. They have knowledgeable associates and help whenever needed.
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I have not had to make a claim (fortunately) however, any time we've had a question they were available to answer and we're kind in doing so. Even better, their prices are lower than anyone else we could find. They also offer discounts such as safe driver.
info
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I recently had an accident and getting information from the company regarding the status of my claim was extremely difficult. Overall, my dealings with the agent are pleasant, but receiving updates from the claims department was a nightmare.
info
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The representative was friendly and knowledgeable. He answered all my questions and was non-judgemental about my choices.
info
Reply feature coming soon! For now, you can write a new review.
We had a hail storm, and the adjuster came to our house and stood on the ground and looked up at the steep roof of our two story home and said he couldn't see any hail damage. I know nothing about the shingles or what to look for but could see some damage standing right next to him. Needless to say we changed companies.
info
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they have good customer service and free roadside assistance. however, their rates started to go up even though i never had any claim.
info
Reply feature coming soon! For now, you can write a new review.
Do not recommend, I asked for full coverage when I started policy. Was told it was full coverage and covered everything. Well was in a accident and now they say it doesn't cover collision and said I have liability and not full coverage. I will be changing companies by next month.
info
Reply feature coming soon! For now, you can write a new review.
The company is very fair, the employees at the office are helpful and courteous. I have not had a claim with them yet and hope not to but would not expect this to be a problem. Any questions that I have are answered in a knowledgeable manner. The cost of insurance is very affordable. It is very easy to pay using debit or credit online and get my ID cards to print. No running to the office or making sure I put something in the mail only to hope it arrives and on time. I am looking forward to combining all my policies with Shelter.
info
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Great customer service I have had to file one claim due to storm damage. They made the process so easy and quick went above and beyond to help.
info
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Kicked off because of filing too many claims. Was never really warned of this and caught me completely off guard.
info
Reply feature coming soon! For now, you can write a new review.
The agent was very helpful as I selected the proper coverage for my homes. Shelter's rates are fair. Application was processed very quickly.
info
Reply feature coming soon! For now, you can write a new review.
I never had a claim with shelter so i cannot comment on their process. Shelter requires homeowner policy holders to purchase their auto policy from their company. Their homeowner policies are priced much lower than other companies but their car insurance is quite a bit higher. If you add a teenager to your auto policy the rate literally doubles. It was cheaper for me to switch companies and pay A lot more for homeowners insurance than to add a teenager at shelter.
info
Reply feature coming soon! For now, you can write a new review.
They are reasonable priced and answer any question we may have about our insurance. I would recommend them to others. They have knowledgeable associates and help whenever needed.
info
Reply feature coming soon! For now, you can write a new review.
I have not had to make a claim (fortunately) however, any time we've had a question they were available to answer and we're kind in doing so. Even better, their prices are lower than anyone else we could find. They also offer discounts such as safe driver.
info
Reply feature coming soon! For now, you can write a new review.
I recently had an accident and getting information from the company regarding the status of my claim was extremely difficult. Overall, my dealings with the agent are pleasant, but receiving updates from the claims department was a nightmare.
info
Reply feature coming soon! For now, you can write a new review.
The representative was friendly and knowledgeable. He answered all my questions and was non-judgemental about my choices.
info
Reply feature coming soon! For now, you can write a new review.
We had a hail storm, and the adjuster came to our house and stood on the ground and looked up at the steep roof of our two story home and said he couldn't see any hail damage. I know nothing about the shingles or what to look for but could see some damage standing right next to him. Needless to say we changed companies.
info
Reply feature coming soon! For now, you can write a new review.
they have good customer service and free roadside assistance. however, their rates started to go up even though i never had any claim.
info
Reply feature coming soon! For now, you can write a new review.
Do not recommend, I asked for full coverage when I started policy. Was told it was full coverage and covered everything. Well was in a accident and now they say it doesn't cover collision and said I have liability and not full coverage. I will be changing companies by next month.
info
Reply feature coming soon! For now, you can write a new review.
The company is very fair, the employees at the office are helpful and courteous. I have not had a claim with them yet and hope not to but would not expect this to be a problem. Any questions that I have are answered in a knowledgeable manner. The cost of insurance is very affordable. It is very easy to pay using debit or credit online and get my ID cards to print. No running to the office or making sure I put something in the mail only to hope it arrives and on time. I am looking forward to combining all my policies with Shelter.
info
Reply feature coming soon! For now, you can write a new review.
Great customer service I have had to file one claim due to storm damage. They made the process so easy and quick went above and beyond to help.
info
Reply feature coming soon! For now, you can write a new review.
Kicked off because of filing too many claims. Was never really warned of this and caught me completely off guard.
info
Reply feature coming soon! For now, you can write a new review.
The agent was very helpful as I selected the proper coverage for my homes. Shelter's rates are fair. Application was processed very quickly.
info
Reply feature coming soon! For now, you can write a new review.
I never had a claim with shelter so i cannot comment on their process. Shelter requires homeowner policy holders to purchase their auto policy from their company. Their homeowner policies are priced much lower than other companies but their car insurance is quite a bit higher. If you add a teenager to your auto policy the rate literally doubles. It was cheaper for me to switch companies and pay A lot more for homeowners insurance than to add a teenager at shelter.
info
Reply feature coming soon! For now, you can write a new review.
They are reasonable priced and answer any question we may have about our insurance. I would recommend them to others. They have knowledgeable associates and help whenever needed.
info
Reply feature coming soon! For now, you can write a new review.
I have not had to make a claim (fortunately) however, any time we've had a question they were available to answer and we're kind in doing so. Even better, their prices are lower than anyone else we could find. They also offer discounts such as safe driver.
info
Reply feature coming soon! For now, you can write a new review.
I recently had an accident and getting information from the company regarding the status of my claim was extremely difficult. Overall, my dealings with the agent are pleasant, but receiving updates from the claims department was a nightmare.
info
Reply feature coming soon! For now, you can write a new review.
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