My Shelter App vs PayCoMo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Shelter App
Manage your insurance policies and access important documents. This app allows Shelter Insurance customers to view policy details, track payments, and access ID cards. It also provides quick access to roadside assistance and your agent's contact information.
- Biometric login
- Manage insurance account
- View policy details and documents
- Track and schedule payments
- Access ID cards
- Request roadside assistance
- Agent contact information
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This app is specifically designed for Shelter Insurance® customers. We are committed to keeping you connected with the information you need, when you need it. You have the option to use a biometric login to get instant access to your My Shelter account, request roadside assistance and more: • Manage your account • See policy details, coverages and important documents • View payment history, upcoming payments or even schedule a payment • Access your ID cards (view, save, share and more) • Your agent’s contact information
PayCoMo
Manage your Columbia, Missouri utility bills with ease. Connect your account to review bills and handle payments all within a single application.
- Connect utility accounts
- Review bills
- Manage payment methods
- Simplified bill payment
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Columbia MO Utility Bills has simplified the way you pay your utility bills. Connect your account, review your bill, and manage payment methods all in one place.
Screenshots
Verdict
The clearest difference is rating: My Shelter App at 3.4 against PayCoMo's 2.0. My Shelter App also leads on update cadence (every 2 months vs every 8 months) and ratings volume (50 vs 16). PayCoMo's advantage is iOS requirement (12.4 vs 14.0). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
My Shelter App holds the better App Store score, 3.4 against 2.0. Both are backed by a comparable volume of ratings — 50 and 16 respectively. Written reviews point the same way: 16% of My Shelter App's written reviews are positive against 13% of PayCoMo's.
My Shelter App ships an update every 2 months, PayCoMo every 8 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | My Shelter App | PayCoMo |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (50 ratings) — better | 2.0 (16 ratings) |
| Positive reviews | 16.4% of reviews — better | 12.5% of reviews |
| Number of ratings | 50 — better | 16 |
| Update frequency | Every 2 months — better | Every 8 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 | 12.4 — better |
| Further details — not scored | ||
| Size | 33 MB | 121 MB |
| Age rating | 4+ | 17+ |
| Developer | Shelter Mutual Insurance Company® | City of Columbia, Missouri |
Customer experience
My Shelter App
PayCoMo
Bugs and requests
My Shelter App
Reported bugs
17 issues- App crashes and loses info during claims
- App freezes when trying to update credit card info
- Payment bug causing accounts to go delinquent
- Login issues: incorrect credentials, fields not showing input
- App crashes during claim report submission
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- Cannot see account ID or password in dark mode
- Cannot pay bills due to unreadable text in dark mode
- Login fields are blacked out or don't show input
- App crashes when navigating between tabs
- App shows lapsed policies incorrectly
- Cannot view or print ID cards
- ID cards not stored on phone or show incorrect expiration dates
- App fails to submit claims
- Error message: 'An error occurred while connecting to services.'
- Black box covering policy list on iPad
- Cannot select fields to describe claim details
- Misspelled word 'descibe' in claim description field
Requested features
12 requests- Add ID cards to Apple Wallet
- Set up payment reminders/alerts
- Add/remove vehicles or drivers
- Support for iPhone X/X Max screen
- Touch ID/Face ID login
Show 7 moreShow fewer
- Dark mode support
- Display agent contact information
- Ability to update bank draft information
- Ability to update personal/profile info
- More modern UI/UX
- Improve password requirements
- Add all 50 states to credit card payment screen
PayCoMo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
My Shelter App
No in-app purchases
PayCoMo
No in-app purchases
