The Shelter Insurance Company first opened its doors for business in 1946 in Missouri as MFA Insurance, offering affordable automobile insurance to the residents of that state. The name was changed to Shelter Insurance in 1981. It is currently headquartered in Columbia, MO. Shelter does business in Arkansas, Colorado, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Oklahoma and Tennessee. Shelter employs 1400 agents in these 14 states in the U.S., as well as an additional 2,000 employees to service those products. It is a mutual insurance company, meaning that it is not subject to stockholders.
The present-day corporation is actually now a group of companies which includes Shelter General Insurance, Shelter Mutual Insurance, Shelter Life Insurance, Haulers Insurance Company and the Shelter Financial Bank. The Shelter Reinsurance Company, introduced in 1986, is an international operation reinsuring property around the globe. All divisions of this company have consistently rated highly (currently an “A” for Excellent) with A.M. Best, the leading independent insurance industry assessor.
Shelter offers a very nice range of insurance products for automobiles, homes, farms, businesses, boat, life as well as other specialty policies. It also offers the very valuable Umbrella policy. It offers many of the usual premium discounts: multi-vehicle and multi-policy, good student, safe driver, anti-theft devices, and driver education course completion. The potential discounts available vary from state to state. A discount is also offered to active military personnel assigned to a base located in the state of Louisiana.
The company has an attractive, user friendly website that offers a wealth of material, including product information, the capability to offer premium quotes, and submit claims. Policy holders may create on-line accounts which allow them to view their policy information and print automobile insurance ID cards, view policy information and pay premiums online, and contact their agents. Only policy holders may submit claims on line. Neither glass claims nor life insurance claims can be made online.
Whether you are an investor, or shopping around for an automobile insurance policy, this seems to be a company to keep your eye on. Before you make a final decision about which company to purchase a policy from, make sure to get a quote from this one also, assuming that you live within their market area (first paragraph). Comparison shopping is always a good idea, and you might be pleasantly surprised.
If you have even worked for Shelter Insurance or had a policy with them, our readers would love to hear from you. What did you think about the company? What did you like or dislike about it. How was the customer service. Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.
This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not affiliated with any of the Shelter Insurance companies.
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