The Ins and Outs of Shelter Insurance Claims

Insurance Claims The Ins and Outs of Shelter Insurance Claims

A Step-by-Step Guide to Filing Shelter Insurance Claims

Shelter Insurance is a mutual insurance company offering various insurance types, such as auto, property, life, farm, and business. It includes the following insurance providers:

  • Shelter Mutual Insurance
  • Haulers Insurance
  • Shelter General Insurance
  • Shelter Life Insurance
  • Say Insurance
  • Shelter Reinsurance
  • AmShield Insurance

If you have a Shelter Insurance policy and would like to file an insurance claim, DoNotPay can help you do it with no stress!

What Does Shelter Insurance Offer?

Shelter Insurance started with auto insurance in Missouri, but it has grown to one of the largest insurance companies in the USA. 

Nowadays, Shelter Insurance operates in many U.S. states and provides the following:

Insurance Products Available In:
  • Home
  • Auto
  • Business
  • Life 
  • Farm
  • Motorcycle
  • Boat
  • RV
  • Personal Articles/Inland Marine
  • Renters 
  • ATV 
  • Umbrella 
  • Arkansas
  • Colorado
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee

To learn about the specifics of these insurance policies, you should visit the Shelter Insurance website.

What Does the Shelter Homeowner’s Policy Cover?

As Shelter Insurance provides lots of insurance types, you should review the conditions of each plan before buying it.

We provide an overview of what its homeowner’s policy includes in the table below:

Coverage TypeCovered


  • Water softeners
  • Cooling systems
  • Heating systems
  • Outdoor antennas
  • On-site construction material
  • Construction materials
  • Water heating systems

Personal Property

Damages to:

  • The contents of your home 
  • Other structures

Limited coverage for:

  • Securities
  • Money
  • Watches
  • Silverware
  • Jewelry

Personal Liability

  • Damage to the property 
  • Bodily injuries to other people that happen on your property

Medical Payments

Medical costs for others injured on your property, not including you or your family members

You should know that in case your home gets damaged in a severe storm, making it uninhabitable, Shelter might reimburse you for any increased expenses. 

In case parts of your home need an urgent repair to avoid additional loss, Shelter may allow you to repair the damage before they inspect your property. It is always better to check with them first because the procedures may vary depending on a particular case. 

If you do not want to deal with insurance claims on your own once your property gets damaged, DoNotPay can help you file your home, car, accident, life, or any other insurance claim.

DoNotPay Is the Most Efficient Way To File Shelter Insurance Claims

DoNotPay can help you deal with different insurance claims in the blink of an eye. Our AI-powered app can submit your Shelter Insurance claim without any difficulties.

You should only do the following:

  1. Access DoNotPay from any web browser
  2. Choose the type of insurance you are filing the claim for
  3. Enter some basic information (provider and policy number)
  4. Let us know why you are submitting the claim and provide all relevant details regarding your case

DoNotPay generates a Shelter Insurance claim using the provided information and submits it in your stead. A Shelter Insurance representative will reach out to you with instructions once they process your request. 

We can help you file other insurance claims, such as Farmers, 21st Century, or The General

Our app assists with different insurance-related problems you might experience. We provide information on how to keep leftover money from a home insurance claim or how to cancel your Northwestern, Safeco, or Farmers policy. 

Use DoNotPay to submit your auto, travel, home, or unemployment insurance claim in a few clicks. 

File Shelter Insurance Claims by Yourself

Another option is to submit a Shelter Insurance claim on your own via:

  1. Mail
  2. Email
  3. Phone
  4. An online form

File Shelter Insurance Claims via Mail

You can file a Shelter Mutual insurance claim together with the supporting documentation to the following address:

Shelter Insurance-Claims

P.O. Box 6008

Columbia, MO 65205

Email Your Shelter Insurance Claim

Shelter Insurance lets you email a claim, together with any documentation and photographs, at A representative should provide instructions or ask for additional explanations. 

Call Shelter 

If you prefer talking to a representative, you can submit your Shelter Insurance claim by contacting them at 1-800-743-5837

Arm yourself with patience as you might wait for your call to be answered. 

File Shelter Insurance Claims Online

You can submit a Shelter Insurance claim online, and here is what you should do:

  1. Visit the File a Claim page
  2. Log in to your account or file a claim without logging in
  3. Follow the prompts

Should you have any questions regarding the claiming process, you can call the above-mentioned number. 

DoNotPay Can Assist if Shelter Insurance Claims Get Rejected

Our app will help you in case your Shelter Insurance claim is denied! Would you like to try it?

Here is what you should do: 

  1. Visit DoNotPay in your web browser
  2. Chose the insurance type
  3. Click Appeal Denied Insurance Claim
  4. Follow our instructions to finalize the appeal process

We will create an appeal letter using the information you have entered and send it to Shelter directly. The company’s representatives will reach out to you at their earliest convenience.

How Else Can DoNotPay Help You Find and Save Cash

Our Missing Money feature helps you find any unclaimed assets in your name in any state. An additional perk is that you can claim your money right in the app—no need for further research!

We can also make sure you don't pay for any unfair parking citations and get the rightful compensation from airlines for any canceled or delayed flight

Don't let big companies scare you into not claiming your warranties or insurance. DoNotPay helps you file these claims and appeal any rejections in minutes, which brings you closer to getting your money.

We can also delay your bill payments, get your college fees waived, or sign you up for paid clinical trials to earn some extra cash!

DoNotPay Keeps the Spammers Away

Whether you're dealing with email spam, text scammers, robocalls, or severe harassment, DoNotPay can help. 

Use our virtual credit card or the Burner Phone feature to sign up for free trials safely—without revealing your real info. DoNotPay will make sure that no company can reach you when you use our tools. 

We provide a fake email address, credit card info, and phone number that are in no way connected to your real data. 

We can also help you cancel services or request a refund without you having to contact the company directly.

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