# My Shelter App vs Bear Shield

The clearest difference is rating: Bear Shield at 4.8 against My Shelter App's 3.4. My Shelter App's advantage is ratings volume (51 vs 4). On price, update cadence, 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.

Bear Shield holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: My Shelter App has 51 ratings behind it against 4, so its average is the more settled of the two.

My Shelter App ships an update every 2 months, Bear Shield every 4 months. The most recent releases landed on November 6, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | My Shelter App | Bear Shield |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (51 ratings)](https://appshunter.io/ios/app/my-shelter-app/id392290450/reviews) | **[4.8 (4 ratings)](https://appshunter.io/ios/app/bear-shield/id6747821868/reviews)** |
| Number of ratings | **51** | 4 |
| Positive reviews | 16.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | Free | Free |
| Size | 33 MB | 42 MB |
| Requires iOS | 14.0 | **13.2** |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 17+ |
| Developer | [Shelter Mutual Insurance Company®](https://appshunter.io/developer/392290453) | [Missouri State University](https://appshunter.io/developer/348991589) |

## 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- 🐛 Outdated interface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


### Bear Shield

[App page](https://appshunter.io/ios/app/bear-shield/id6747821868)

Enhance organizational security with tools like a panic slider, tip submission, and a safety timer. This app provides an extra layer of protection for your community.

**Highlights:** Panic Slider, Submit Tips, Safety Timer, Organizational Protection

**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 Bear Shield free?

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

### Which has better reviews, My Shelter App or Bear Shield?

Bear Shield is rated higher. My Shelter App averages 3.4 out of 5 from 51 ratings, while Bear Shield averages 4.8 from 4 ratings.

### Do My Shelter App or Bear Shield have ads?

Neither My Shelter App nor Bear Shield shows ads.

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

My Shelter App ships an update every 2 months, and Bear Shield every 4 months. Most recently, My Shelter App was updated on November 6, 2026 and Bear Shield on October 30, 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.*