Tag: Arkansas

Shelter Insurance Review: Car, Home, and More

Shelter Insurance is a mutual insurance company that was founded in 1946 and operates out of Columbia, Missouri. This highly-rated, award-winning insurance company offers a wealth of insurance products across the states of Colorado, Iowa, Arkansas, Kansas, Kentucky, Indiana, Illinois, Mississippi, Missouri, Nebraska, Ohio, Nevada, Oklahoma, Tennessee, and Louisiana.

In this Shelter Insurance review, we’ll look at insurance policies, coverage options, customer satisfaction, liability cover, and more, before seeing how Shelter compares to other leading insurance companies.

Shelter Car Insurance Coverage Options

Shelter is a leading auto insurance company in Missouri and other serviced states. It isn’t always the cheapest (more on that below) but it does provide a wealth of coverage options, including:

Liability Coverage

Liability coverage is the most basic, bare-bones insurance type and one that is required in most states. Liability insurance covers bodily insurance (per person and per accident) and property damage. It essentially covers you for the damage you do to another driver and their property during a car accident.

Collision Coverage

An optional form of auto insurance that covers you for damage done to your own vehicle, regardless of who was at fault. If you have collision coverage on your auto policy, you will get a payout when you hit a guardrail, wall, tree or building.

However, it’s one of the most expensive add-ons and a lot of the damage you do to your own vehicle may not be severe enough to warrant paying the deductible.

Comprehensive Coverage

With comprehensive coverage, you will be covered for many of the things that collision insurance doesn’t cover. For instance, it provides protection against vandalism and damage from extreme weather events. It also covers you in the event of an animal collision, which is surprisingly not covered by collision insurance.

Personal Injury Protection

With PIP insurance, you will be covered for some of the personal losses you incur due to an injury sustained in a car accident. For instance, if you’re hit by another driver and suffer severe injuries that cause you to miss work, PIP will pay for the money you lose. It will also cover the money needed to cover traveling for doctor and hospital appointments, as well as childcare costs.

Medical Payments

By adding medical payments cover onto your policy you will be protected against hefty medical bills resulting from a car accident. This option is required in just a few states but the coverage limits are often set very low.

Underinsured and Uninsured Motorist Coverage

Uninsured motorists are a growing problem on America’s roads. If you’re hit by one of these drivers and don’t have collision insurance, you could be left severely out of pocket. But not if you have underinsured/uninsured motorist insurance.

This coverage option will protect you against bodily injury and property damage resulting from an accident with an uninsured or underinsured driver.

Roadside Assistance

Shelter car insurance policies offer optional roadside assistance cover, which gives you up to $100 per claim and covers you for expenses accrued when you are stranded by the roadside.

Roadside assistance is an emergency service designed to help you get back on the road or to tow your car to a nearby garage. It includes everything from lost key replacement to fuel delivery and tire changes.

Rental Car Reimbursement

If your car is stolen or damaged so badly that it needs to spend several days or weeks in a repair shop, rental car reimbursement can help you to stay on the road. It will cover you for the money you spend on rental cars, which means you won’t miss a single important car journey.

Your coverage will be limited to a specific time period and you will not be covered for rentals that extend beyond this period.

Accidental Death

A form of life insurance that covers you for accidental deaths, such as car accidents. If you die in an accident, for example, your spouse or family members will receive a payout. There are many more restrictions than you get with term life insurance policies, but the premiums are also much lower.

Disability Income Coverage

PIP can cover you if you suffer serious bodily injuries and miss work as a result, but what happens if you’re forced to miss up to a year of work? That’s where Disability Income Coverage comes in. With Shelter, you will be paid a sum of money every week for up to a year.

GAP Insurance

If you bought your car on finance and wreck it soon after, the insurance payout may not be enough to cover the losses due to the interest payments and the rapid deprecation that new cars experience. With GAP insurance, you will be covered for that extra amount. As a result, this type of car insurance is often required by auto loan companies.

New Car Replacement

If you have a car that is less than a year old and has fewer than 15,000 miles on the clock, you can apply for the new car replacement program, which gives you a like-for-like replacement. This is an essential addition for anyone driving an expensive new vehicle as the losses could be catastrophic without it.

Other Shelter Insurance Options

Shelter offers multiple additional insurance options, many of which can be bought along with your car insurance, allowing you to save money with a multi-policy discount.

As with Shelter car insurance, we recommend comparing rates to other insurance companies, making sure you’re getting the best coverage for the lowest rates. There are a huge number of insurance companies in the United States offering the same coverage options found at Shelter, and many of them are cheaper:

Homeowners Insurance

A homeowners policy from Shelter will protect your property and everything in it. You can get cover for the dwelling, personal property, medical payments, personal liability, living expenses, and more.

Shelter also offers additional coverage options pertaining to electronics, sewer damage, earthquake damage, loss of farming equipment, and more.

Renters Insurance

If you rent your home, you won’t need property insurance, but you still need to protect your personal property and that’s where renter’s insurance comes. If your flat/house is burgled and you lose expensive items, including heirlooms, jewelry, artwork, and electronics, you will be covered.

Umbrella Insurance

With a minimum liability of $1 million, umbrella insurance will step in and provide cover above and beyond what you are offered elsewhere. If you have a lot of personal assets and are worried about being sued above what your liability insurance can pay, this is the policy for you.

Business Insurance

A business insurance policy from Shelter will protect your business against property loss, equipment damage, liability claims, and more. This is essential for all businesses and at Shelter you can choose a range of customization options to make sure the policy is perfectly suited to your needs.

Flood Insurance

Your home insurance policy doesn’t cover you for flood damage and this is true whether you’re with Shelter or not. However, you can add flood insurance to your Shelter insurance policy, with the rates dependent on where you live and how common floods are in your area.

Life Insurance

In addition to accidental death cover, Shelter also has term life and whole life insurance policies. These provide payouts to your loved ones in the event of your death.

Your age, activity, medical history, and health will dictate the size of your insurance premiums and your death benefit.

Shelter Car Insurance Cost

We ran some car insurance quotes and found that Shelter was consistently more expensive than providers like GEICO, Allstate, State Farm, and Progressive. In fact, when comparing quotes for young drivers, Shelter car insurance premiums were more than double those offered by GEICO and were also substantially higher than other major carriers.

In many states, including Kentucky and Louisiana, Shelter ranked as one of the most expensive providers. The rates were a little more promising in Missouri, but you’ll probably still get better offers elsewhere.

Regardless of what you think about Shelter Insurance and whether or not you have had good experiences with them in the past, we recommend getting quotes from other providers first.

Of course, it isn’t all about price, but it takes some incredibly impressive customer support and benefits for a $3,000 policy to take precedent over one that costs $1,500 or less, and we’re not convinced Shelter has that level of support or those benefits.

Bottom Line: Shelter Insurance Review

Shelter is a dedicated, capable, and financially strong insurance provider that offers extensive coverage for both drivers and homeowners. It has good reviews from policyholders, has high ratings from AM Best, JD Power and the Better Business Bureau (BBB), and there are very few complaints when compared to other providers.

Shelter serves a number of states and if you reside in one of these, it’s worth getting a quote. Just don’t forget to check other providers and don’t assume Shelter will offer the best rates. In our experience, it’s more likely to be one of the most expensive providers in your state, but you won’t know until you check.

Visit www.ShelterInsurance.com to learn more and to discuss an auto policy and/or home insurance policy with one of their representatives.

Shelter Insurance Review: Car, Home, and More is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

‘Fixer to Fabulous’ Reveals 5 Things Every House Needs in 2021

fixer to fabulousHGTV

At long last, 2021 has arrived! But since COVID-19 is still with us, you might be itching to make some changes around the house that’ll help you ride out the rest of this pandemic at home in style.

You’re in luck: On this week’s “Fixer to Fabulous,” Jenny and Dave Marrs renovate a house by adding some essential quarantine-friendly upgrades you might like to try yourself!

In the Season 2 episode “Ranch Becomes Family-Friendly,” Jenny and Dave meet homeowners Wes and Kate Walker, whose Bentonville, AR, home is lovely from the outside, but the interior is too small for a family of five, and doesn’t function well for their needs.

Dave and Jenny have $175,000 to give this home some coronavirus-savvy updates to make this family comfortable at home through the pandemic and beyond. Read on to find out which favorite quarantine features you might want to add to your own abode, too.

1. Outdoor seating that doesn’t curb your curb appeal

house
Wes and Kate Walker already loved the exterior of this house and were nervous to change it.

HGTV

2020 was all about making the most of small outdoor spaces, so Jenny and Dave aren’t surprised when Kate and Wes ask about adding a sitting space out front.

While Kate says she’d love a front porch, Wes is a bit hesitant. He loves the curb appeal of the house and doesn’t want the look to change too much.

deck
This deck is modestly sized, but it will be a great place for Wes and Kate to kick back and relax.

HGTV

So in the interest of keeping the front of the house looking the same, Jenny and Dave decide to make a small (but convenient) deck by the front windows.

They move some of the greenery from the front yard, making just enough space to build a 30-foot steel deck, complete with a fire pit, just off the front door.

“It’ll be really subtle. It won’t be this giant front porch,” Jenny says, “but it would give them a space where they can actually sit and enjoy.”

When the deck is finished, the effect is of having a front porch without changing the shape of the entryway—they gain seating without sacrificing curb appeal.

2. Home decor that feels like a vacation

terra-cotta tile
This terra-cotta tile brings a warmth to the kitchen.

HGTV

Sometimes flooring can be forgotten, but Kate and Wes really want to make sure their floors stand out.

“We keep coming back to a terra-cotta floor,” Kate says when Jenny asks what kind of look they want in the kitchen.

While terra-cotta tiles aren’t necessarily typical for modern renovations, Jenny likes the idea, saying that it’ll give the house a Mediterranean aesthetic. In a pandemic when it’s not easy to travel, it’s the closest these two might get to a European escape!

bath tub
This tile looks great in the new master bedroom and bathroom.

HGTV

In fact, Jenny embraces the flooring style and even uses terra cotta in both the kitchen and the new master suite, which they convert from a garage.

“The hexagon shape makes it really unique and different,” Jenny says when the tile is installed. “The patina is gorgeous. It just feels like you’re on vacation at a spa off the coast of Spain.”

3. Plenty of kitchen storage

kitchen
Wes and Kate didn’t like all the brown cabinets.

HGTV

During a pandemic, plenty of kitchen cabinets for all those home-cooked meals is a must—and with unique kitchen floors, Jenny wants to make sure the cabinets complement the look.

So instead of choosing a typical white cabinet, Jenny decides on a rich green color that will not only bring out the red in the terra cotta, but also add to that old-world European character with its dark, moody shade.

kitchen
These green cabinets work well with the flooring.

HGTV

Dave approves of Jenny’s dark green choice.

“It’s a statement,” he says. “There’s tons of light in here now so I feel like you can go darker.”

4. A spacious and beautiful pantry

pantry
This pantry cleverly matches the kitchen cabinets.

HGTV

In addition to kitchen cabinets, Jenny knows how important pantry space can be—and that it should be beautiful, too. To deliver, Jenny uses a flower drawing by Wes and Kate’s young daughter, Reese, to create a custom wallpaper. It looks great, and Jenny notes that this detail will be extra special for the family.

“Every time they go into their pantry, for years and years to come, they’ll be able to say, ‘Reese drew this,’” Jenny says.

pantry
This pantry comes with a hidden feature.

HGTV

Plus, to add a kid-friendly feel, Jenny and Dave decide to make a secret “spy room” complete with a desk at the back the the pantry—the perfect hideout for the Walkers’ two boys.

5. A home-school/homework room that’ll grow with the kids

office
This office space needed a home-school refresh.

HGTV

At the beginning of the pandemic, families scrambled to set up home-school spaces and work-from-home offices, but this family was ahead of the curve—they were already home-schooling, so the kids already had a workspace!

Still, Jenny and Dave want to update the kids’ home-schooling room so that they can enjoy it for years to come.

“The homework room for the Walker kids is basically going to be a room that’s going to grow with them,” Jenny says.

So they add some paneling to the wall with built-in chalkboards for each of the kids. The decor is youthful but isn’t so kid-focused that it looks like a nursery. The space is bright and beautiful, and it can be used for years to come.

“You know, you’ve got to do your schoolwork. You want to have a happy place to do it,” Jenny says.

office
With three kids home-schooling, this family deserves a great homework room.

HGTV

The post ‘Fixer to Fabulous’ Reveals 5 Things Every House Needs in 2021 appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com