Shelter Insurance - Roger Earnest | Auto in Harrison, AR

About Us

Shelter Insurance – Roger Earnest has been serving the Harrison community since 1946, making it one of the longest‑standing insurance agencies in the region. Founded shortly after World War II, the agency grew from a single‑person office into a full‑service brokerage that helps families and businesses protect what matters most. The mission is simple: provide honest, personalized insurance solutions backed by decades of experience and a commitment to local service.

Clients appreciate the agency’s family‑owned atmosphere, direct access to a dedicated agent, and the peace of mind that comes from working with a trusted partner. With a 4.4‑star rating from 19 verified reviews, the agency consistently earns praise for responsiveness, professionalism, and genuine care.

🚗 Insurance Services Offered

Shelter Insurance offers a comprehensive menu of policies, each designed to meet specific needs:

• Auto Insurance – liability, collision, comprehensive, uninsured motorist, and roadside assistance.
• Home Insurance – dwelling coverage, personal property, liability, and flood endorsements where needed.
• Life Insurance – term, whole life, and universal life options for long‑term financial security.
• Farm Insurance – coverage for farm structures, equipment, livestock, and liability.
• Business Insurance – property, general liability, workers’ compensation, and commercial auto.
• Motorcycle Insurance – tailored protection for riders and their bikes.
• Boat Insurance – hull, liability, and personal effects for watercraft owners.
• RV Insurance – travel‑vehicle coverage that includes dwelling and personal belongings.
• Personal Articles Insurance – protects valuable items such as jewelry, art, and collectibles.
• ATV Insurance – liability and physical damage for off‑road vehicles.

Each policy can be customized, and multi‑policy discounts are available for clients who bundle several coverages.

💡 Why Choose Us

Choosing Shelter Insurance means partnering with an agency that blends local knowledge with broad carrier relationships:

• 80+ years of experience – founded in 1946, the agency has deep insight into Arkansas risk factors.
• Independent broker – we work with multiple top carriers to find the best price and coverage for each client.
• Highly rated service – a 4.4‑star average from real customer reviews highlights our dedication.
• Personalized agent – Roger Earnest and his staff handle each case personally, ensuring quick answers.
• Claims assistance – we guide you through every step, from filing to settlement, to reduce stress.

🏢 Our Carriers

Shelter Insurance partners with a range of reputable insurance carriers. While the exact list varies based on the client’s profile, the agency consistently works with nationally recognized companies that offer strong financial stability and competitive rates. Contact the office for a current list of partner carriers that match your specific needs.

📍 Service Area

The agency is licensed to operate throughout Arkansas. Primary service locations include:

• Harrison, AR
• Nearby towns in Boone County such as Bergman and Marble Falls
• Surrounding counties within a 30‑mile radius

⚠️ License number: Please contact the agency directly to confirm.

📝 Getting a Quote

Obtaining a free, no‑obligation quote is quick and easy:

1. Visit the agency’s website shelterinsurance.com and click “Get a Quote”.
2. Call the office at 870‑741‑8412 and speak with a licensed agent.
3. Stop by the office at 103 E Prospect Ave, Harrison, AR 72601‑3752 for an in‑person review.
4. Provide basic information (vehicle details, home address, desired coverage limits) and receive a personalized estimate.

All quotes are provided free of charge, and there is no obligation to purchase.

🛠️ Claims Support

When a claim arises, Shelter Insurance’s staff assists you from start to finish:

• Prompt claim filing assistance.
• Coordination with the insurance carrier’s adjuster.
• Regular updates on claim status.
• Help with documentation and repair estimates.

Clients frequently note the agency’s “hands‑on” approach, which helps reduce the typical hassle of insurance claims.

👥 Meet Our Team (Optional)

Roger Earnest leads the agency with more than four decades of industry experience. The support staff includes seasoned agents who hold state licensing and receive ongoing training to stay current with policy changes and emerging risks.

🌟 Client Testimonials / Reviews

“My husband and I have carried our personal and business insurance with Shelter Insurance for nearly a decade. We are treated with respect, kindness and always professionalism. Highly recommend.” – Long‑time Harrison client

Other reviewers praise the agency’s quick response times, clear explanations of coverage options, and the ability to secure competitive rates.

❓ FAQs

What types of insurance does Shelter Insurance provide?

We offer Auto, Home, Life, Farm, Business, Motorcycle, Boat, RV, Personal Articles, and ATV insurance, each customizable to fit individual needs.

How do I start the quoting process?

Call 870‑741‑8412, email rearnest@shelterinsurance.com, or use the online form on our website for a free, personalized estimate.

Can I manage my policies online?

Yes, Shelter Insurance provides an online portal where policyholders can view documents, make payments, and request changes.

What should I bring to my first meeting?

Bring any existing policy documents, a list of assets you wish to insure, and basic personal information (driver’s license, Social Security number for life policies). The agent will guide you through any additional items.

Do you handle claims for all the policies you sell?

Absolutely. Our team assists with claims for auto, home, business, and all other lines we underwrite, ensuring a smooth, supportive experience.

Ready to protect your assets? Call 870‑741‑8412 or visit us at 103 E Prospect Ave, Harrison, AR. Our friendly staff is ready to provide a free quote and answer any questions you may have.

Editorial review: June 24, 2026 — Sources: chamberofcommerce.com, superpages.com, yellowpages.com, mapquest.com, localgik.com. If you notice any inaccurate data, please report it.