Honestly, I went with State Farm just because the price was better, but I get what you mean about customer service. My neighbor swears by Shelter for the local touch, but I haven’t had any issues calling State Farm yet. If you’re worried about tornadoes or hail (which, yeah, Missouri...), maybe double-check how each handles claims for weather stuff. Sometimes a few bucks saved isn’t worth the hassle, but if you’re like me and pinch pennies, it’s hard to say no to a lower rate.
Sometimes a few bucks saved isn’t worth the hassle, but if you’re like me and pinch pennies, it’s hard to say no to a lower rate.
Yeah, I get that. I’m all about saving money too, but I’ve heard mixed stuff about State Farm when it comes to storm claims. My cousin had a hail claim last year and said it took forever to settle. Shelter might be more expensive, but maybe you’re paying for less headache? Hard to know until you actually need them, which is kind of the problem...
Shelter might be more expensive, but maybe you’re paying for less headache? Hard to know until you actually need them, which is kind of the problem...
That’s the catch, right? You don’t really know what you’re getting until you have to file a claim. I had State Farm for my car a while back (not home, but still), and it was a circus trying to get them to pay out after a fender bender. Made me wonder if the “savings” were worth the gray hairs. Shelter’s rates made me wince, but maybe that’s the price of sleeping better when tornado season rolls around...
I get the hesitation. I’ve got a few cars, and dealing with State Farm after a deer hit my Audi was a headache—nothing huge, just endless back-and-forth and “lost paperwork.” I did finally get paid, but man, it felt like pulling teeth. Makes me wonder if paying more for Shelter is just buying peace of mind, especially with Missouri weather doing its thing... Hard to put a price on avoiding that stress, honestly.
Makes me wonder if paying more for Shelter is just buying peace of mind, especially with Missouri weather doing its thing... Hard to put a price on avoiding that stress, honestly.
I hear you on the stress part. I had State Farm for my house a couple years back and when a hailstorm trashed my roof, it took forever to get things sorted. Felt like I was chasing them for updates every week. Ended up switching to Shelter after that—yeah, it’s a bit pricier, but honestly, I sleep better knowing I won’t have to jump through hoops if something happens again. Sometimes the “cheaper” option costs more in headaches.