# My Shelter App vs PayCoMo

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.

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.

## The numbers

| Metric | My Shelter App | PayCoMo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (50 ratings)](https://appshunter.io/ios/app/my-shelter-app/id392290450/reviews)** | [2.0 (16 ratings)](https://appshunter.io/ios/app/paycomo/id6448302427/reviews) |
| Number of ratings | **50** | 16 |
| Positive reviews | **16.4% of reviews** | 12.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 8 months |
| Monetization | Free | Free |
| Size | 33 MB | 121 MB |
| Requires iOS | 14.0 | **12.4** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Shelter Mutual Insurance Company®](https://appshunter.io/developer/392290453) | [City of Columbia, Missouri](https://appshunter.io/developer/569592912) |

## What reviewers say

### My Shelter App

[App page](https://appshunter.io/ios/app/my-shelter-app/id392290450)

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.

**Highlights:** Biometric login, Manage insurance account, View policy details and documents, Track and schedule payments, Access ID cards, Request roadside assistance, Agent contact information

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Great insurance rates
- 👍 Convenient access to policies
- 👍 App used to be reliable
- 👍 Useful accident checklist feature

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 App freezes often
- 🐛 Login issues are common
- 🐛 Outdated interface
- 🐛 Missing essential features

**Reported bugs**

- 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

**Requested features**

- 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


### PayCoMo

[App page](https://appshunter.io/ios/app/paycomo/id6448302427)

Manage your Columbia, Missouri utility bills with ease. Connect your account to review bills and handle payments all within a single application.

**Highlights:** Connect utility accounts, Review bills, Manage payment methods, Simplified bill payment

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is My Shelter App free?

My Shelter App is free to download, with no in-app purchases.

### Is PayCoMo free?

PayCoMo is free to download, with no in-app purchases.

### Which has better reviews, My Shelter App or PayCoMo?

My Shelter App is rated higher. My Shelter App averages 3.4 out of 5 from 50 ratings, while PayCoMo averages 2.0 from 16 ratings.

### Do My Shelter App or PayCoMo have ads?

Neither My Shelter App nor PayCoMo shows ads.

### Which is updated more often, My Shelter App or PayCoMo?

My Shelter App ships an update every 2 months, and PayCoMo every 8 months. Most recently, My Shelter App was updated on November 1, 2026 and PayCoMo on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*