Can I manage everything online with Shelter?

Hi there, I’m used to doing everything online: paying bills, changing coverage, even filing claims. I’ve been looking at Shelter, but I’m not sure if their app and website are as good as bigger companies like GEICO, who I was with before. Can I manage everything digitally with them, or do I end up having to call an agent when I've got something to change?

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 changing vehicles, most of those updates still go through an agent.

If you’re used to a fully digital setup, companies like GEICO, Progressive, or State Farm usually have more robust apps where you can do almost everything without calling. On the flip side, some people actually prefer Shelter’s agent-first approach, since it gives them a direct contact instead of navigating a call center.

If digital convenience is high on your list, you might want to weigh whether you’d rather have everything at your fingertips through an app, or if having a local person to call feels more valuable to you.

If you aren't sure what the best fit might be, I definitely recommend shopping around and getting quotes from multiple companies. Working with an independent agent or broker (such as our in-house agents here at The Zebra) is a great way to navigate everything companies offer these days. I hope this helps!