Shelter vs. State Farm for home insurance in Missouri - any strong opinions?

- I’ve heard mixed things about Shelter’s speed, too. Cheaper rates are nice until you’re stuck waiting.
- State Farm’s been quick for my parents, but their premiums are creeping up every year.
- Anyone ever had luck negotiating rates with either company, or is that a lost cause?
- Curious if anyone’s tried bundling home and auto - does it actually save much, or just marketing hype?

Bundling’s always sounded good in theory, but when I actually crunched the numbers with State Farm, the discount barely covered the yearly rate hikes. Has anyone ever gotten Shelter to budge on price? I tried, but it felt like talking to a brick wall. Maybe I’m just unlucky...

I’ve had the same experience with Shelter - felt like I was just spinning my wheels trying to get them to move on price. Did you ever try going through an independent agent instead of direct? Sometimes they can pull strings or at least explain why the rates are so stubborn. Also, has anyone actually seen a real benefit from bundling, or is it just marketing hype? I’m starting to think it’s all smoke and mirrors...

I’ve actually tried both direct and independent agents with Shelter, and honestly, the rates barely budged either way. The independent agent did explain that Missouri’s claim history and weather risks make it tough to get much flexibility, especially if you’ve got any dings on your record. As for bundling, I ran the numbers with State Farm and Shelter - sometimes there’s a small discount, but it’s rarely as much as they advertise. It feels like more of a convenience thing than a real money-saver, at least in my case.

Yeah, I’ve run into the same thing with Shelter and State Farm in Missouri. The weather risk piece is a big deal - hail, tornadoes, all that. It really does limit how much wiggle room you get on price, even if you shop around or try different agents.

It feels like more of a convenience thing than a real money-saver, at least in my case.

Couldn’t agree more. I bundled auto and home with State Farm thinking I’d save a bunch, but it was maybe $80 a year difference. Not nothing, but not the “big savings” they pitch either. Honestly, the only real benefit for me was having everything in one app.

One thing I did notice: Shelter’s claims process seemed a bit slower when I had a roof issue last year. State Farm handled a windshield claim for my car way faster. Not sure if that’s typical, but it stuck with me. If rates are close, sometimes service makes the bigger difference.