All Questions

This is a fairly common question after disasters, specifically, like big hail storms. One of Shelter’s strengths is that they still have local offices and resident adjusters in many of the areas they serve. That means when you file a claim, there’s a good chance you’ll be working with someone who l…

Standard U.S. auto policies, even from AIG, usually don’t cover you while driving outside the country. However, AIG offers specialized international auto insurance and travel coverage that can protect you if you’ll be driving abroad. Depending on your plan, this could include liability, collision, …

Shelter does have an app and an online account system, but they’re not as modern or flexible as some of the big national carriers. You can do the basics — things like paying your bill, pulling up ID cards, or filing a claim online. But when it comes to adjusting your coverage, adding a driver, or c…

Unfortunately, slow follow-up is pretty common once a claim gets assigned and the adjuster is waiting on reports or repair estimates. Shelter does lean on local service, but claim communication can still get spotty if you don’t stay on top of it. The best move right now is to loop your Shelter agen…

American National generally scores well for affordable rates and simple coverage options, especially for safe drivers. Where people get mixed feelings is customer service consistency—some policyholders say their local agent is great, while others report slow callbacks or delays once a claim moves t…

Whether Allstate covers the damage depends on your policy and how it defines negligence. If you only have liability coverage, this won’t be covered—liability only pays for damage you cause to others, not your own vehicle.You might be covered if you have comprehensive coverage, since it typically in…

Allstate generally has a good reputation for customer service, but your experience during a claim can vary. Living in a high-risk area (like one prone to wildfires or hurricanes) doesn’t mean you can’t file a claim—but you might pay more for coverage.If standard home insurance isn’t available in yo…

Great question! Progressive does not currently offer a bundling discount for having both auto and pet insurance. While you can purchase pet insurance through Progressive’s website, the policy is actually administered by Pets Best, a separate company. Since these two types of policies are underwritt…

Customer service is an important factor when switching insurance companies, and Progressive tends to receive mixed reviews. At The Zebra, we give Progressive an overall rating of 3.8 out of 5 stars, meaning it's about average based on our data. That said, the company offers broad availability and c…

Tenants aren't required to list a landlord on a renter insurance policy; however, some landlords may require the tenant to do so before they agree to lease to the tenant. If your landlord requires this, you’ll have to decide if renting that unit is worth it.While it may seem like this only benefits…