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

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sophied501113
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Shelter’s customer service can definitely be hit or miss, especially when you’re dealing with something major. I’ve heard stories like yours more than once. A few points from my own run-ins:

- State Farm handled my classic car claim way smoother than Shelter did with my roof a few years back. Not lightning quick, but I always knew where things stood.
- Communication makes all the difference. With Shelter, it felt like I was always chasing someone down for updates... not fun when your garage is leaking.
- Rates are important, but when you’re knee-deep in a claim, you start caring a lot more about how responsive the company is.

It’s not always luck—some brands just seem to have more resources (or better people?) for big stuff. You’re not alone in noticing that difference. Sometimes paying a little more for peace of mind is worth it, especially if you’ve got a lot at stake.


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