Shelter Insurance Homeowner’s Policy Review

Your home is one of the most significant investments you will ever make. It would help if you had a homeowner’s insurance provider you can trust to restore your house and its contents to their original state in the case of an unanticipated loss. Shelter Insurance is one business you should take into account for your homeowner’s insurance requirements.

MFA Insurance Companies, the predecessor to Shelter Insurance, was established in 1946. The business initially restricted its auto insurance offerings to the citizens of Missouri. From these modest beginnings, the business developed into one of the country’s most prosperous regional property and casualty (P&C) insurance providers. The company was renamed Shelter Insurance in 1981. This was adapted from the well-known insurance firm tagline, “M.F.A. is your Shield of Shelter.”

Columbia, Missouri serves as Shelter Insurance’s corporate headquarters. Arkansas, Colorado, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, and Tennessee are among the states that operate. The following insurance policy types are written by Shelter Insurance:

  • Apartment owners
  • Automobile
  • Boat owners
  • Business
  • Commercial fire
  • Dwelling
  • Farm fire
  • Farm liability
  • Farm owners
  • General liability
  • Homeowners
  • Inland marine
  • Life
  • Personal Umbrella

In 1986, Shelter Insurance established a global reinsurance business

The additional Shelter insurance providers are AmShield Insurance, Haulers Insurance, Shelter Mutual, Shelter General, Shelter Life, and Shelter Reinsurance. Over 4,385 people work for Shelter Insurance as employees and agents.

Financial Results

CEO of Shelter Insurance reports that Shelter Mutual’s surplus strength increased by 3.3 percent to $2.17 billion for the year. For the first time, assets under management exceeded $6 billion, an increase of over 2%. The global net income for 2020 was $81.5 million, which was $5.4 million less than the previous year.

Financial Strength and Customer Satisfaction

Customers may be confident in Shelter Insurance’s financial stability when they choose the firm for their home insurance needs.

The Ward Group recognized Shelter Insurance as one of the top 50 performing P&C companies in 2008 A.M. Best has given the corporation an A (Excellent) grade.

Since 2000, Shelter Insurance has been a Better Business Bureau-accredited company. The BBB has given the business an A+ rating. On the BBB website, there are just 23 total consumer complaints. The Better Business Bureau has given Shelter Insurance a composite rating of 5 stars out of 5.

Shelter Insurance has a 4 out of 5 J.D. Power & Associates Power rating, with a 4 out of 5 customer service rating. J.D. Power & Associates named Shelter Insurance the vehicle insurer with the “best customer satisfaction among central area carriers, two out of three years” in 2018.

Homeowner’s Policy

Damaged objects in your home will be replaced with new ones thanks to the homeowner’s insurance coverage provided by Shelter. The policy offers a wide range of options for coverage and sizable homeowner’s insurance discounts.

Types of Coverage


You are covered for damages to your home and any associated structures, as well as for construction materials, exterior antennas or receiving dishes, water softeners, and water heating systems.

Other Structures

Damages from a covered loss to structures that are permanently affixed to the property, including sheds or fences, will be covered by other forms of structure coverage.

Personal Property

Your home’s or other structures’ contents are covered under personal property coverage if they are damaged. You have lower coverage for contents if you possess a second home that is not your primary abode. Money, securities, jewelry, cutlery, and on- or off-premises commercial property are only partially covered. You can buy a personal items insurance policy to ensure that your personal property is adequately covered.

Additional Living Expenses

Due to damage from a covered loss, you may be unable to return to your home, which will result in additional living expenses to cover your living expenses away from home.

Personal Liability

Private responsibility Injuries to others’ bodies or property on your property are covered by homeowner’s insurance.

Medical Payments

In the event that someone is hurt on your property, this part of the homeowner’s policy will cover their medical costs. You and your family are not covered by this insurance.

Other Coverage

Debris removal, emergency property removal, required post-loss repairs, fire department fees, and limited coverage for damages to trees, shrubs, plants, or grass damage are additional expenses.

Additional Coverage Options

The following coverage options can be added to your homeowner’s insurance policy if you feel the need for more protection: business operations conducted on your property, farming, sewer damage, computer damage, earthquake damage, additional properties, docks, and piers, and liability for watercraft-related activities. Your Insurance for Shelter agent has more information about the specific details of additional coverage available.


There are numerous discounts available for homeowner’s insurance, such as those for alarm systems, deadbolt locks, claims-free years, new homes, and heating systems. If you have your auto insurance with Shelter, you may also qualify for a companion policy discount.

Getting a Homeowner’s Insurance Quote

You can request an estimate for auto, motorcycle, RV, ATV, boat, renters, life, home, condominium, umbrella, personal articles, business, and farm insurance from the Shelter Insurance website.

You must first input your zip code in order to receive a homeowner’s insurance estimate. Name, address, phone number, and email address are among the details you’ll enter next. Additionally, if you have any other active insurance with Shelter Insurance, you are questioned (in order to receive the companion policy discount). Your choice of a local agency and whether you want to you prefer to be contacted by telephone or email. You can include any additional comments to the agent up to 250 characters when submitting your quote request.

Pros and Cons


  • Excellent financial strength rating
  • Strong customer service ratings
  • Better Business Bureau A+ Rating


  • There have been some customer complaints about the claims handling process, some claiming that the claims payment process was slow.
  • Coverage is only available in 14 states.

Company Contact Information

You can visit the Shelter Insurance website or give them a call at 1-800-SHELTER for additional details about a homeowner’s policy or any of the other insurance options they provide (1-800-743-5837). Email is another way to reach Shelter Insurance.

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