Shelter Mutual Insurance Company ratings and coverages

What discounts does Shelter Insurance offer?

If you're looking for ways to save money on your car, home, or renters insurance policy (and who isn't?), Missouri-based Shelter Insurance offers the following discounts to help you keep more money in your pocket.

What driver discounts does Shelter Insurance offer?

• Safe driver discount: Shelter policyholders who have not had an accident or violation in the past three years may qualify for a discount.
• Good student discount: If you have a student on your Shelter policy who gets good grades, they could qualify for a discount. Shelter Insurance requires that students must qualify for this discount before they turn 19, but the discount can be renewed each year the driver remains a full-time student, is unmarried, and under 25.
• Safe driving course discount: If you're the primary driver of a vehicle and you take an accident prevention course, you may be eligible for a discount from Shelter. Keep in mind that Shelter may require that you periodically retake the course to remain eligible for the discount.

Does Shelter Insurance offer homeowners discounts?

• Claim-free discount: Shelter customers who maintain a policy for at least six straight years without filing a claim will qualify for a discount. Shelter will continue this discount for as long as you remain claim-free.
• New home discount: If your home is still under construction, you may be eligible for a discount of up to 40 percent in the first year of the policy with Shelter. Additionally, if your home was built and first occupied in the previous calendar year, Shelter also may offer you a discount on your policy.
• Protective devices discount: Shelter offers a discount if your property has an alarm system, at least one smoke detector on every level, and a deadbolt lock on all doors and windows.

What kind of membership savings can you get with Shelter?

• Multi-car discount: If you have multiple vehicles insured on the same Shelter policy, you may be eligible for a discount.
• Pay-in-full discount: Shelter offers a discount of up to 10 percent if you pay your six-month or annual policy in full instead of in monthly installments.
• Multi-policy discount: If you have an auto insurance policy and either homeowners or renters policy through Shelter, you may qualify for what Shelter calls its companion policy discount.

Shelter Insurance FAQs

Can I pay Shelter Insurance online?

You can pay your Shelter Insurance bills online on your My Shelter account. Shelter has multiple payment options available for online payment including credit card, debit card, or checking account. You can access your My Shelter account on Shelter's website.

Does Shelter Insurance cover rental cars?

Your liability coverage on your Shelter Insurance policy may cover your rental car while on a trip. Be sure to check your policy to see exclusions, but generally, coverage applies with the following conditions:

• You don’t own the car and neither does anyone in your house.
• You have a written agreement with the rental car company.
• You don’t rent the car for longer than 30 days.

Shelter also has optional collision and comprehensive insurance coverage available.

How do I cancel my Shelter Insurance?

In order to cancel your Shelter Insurance policy, you need to call your agent or Shelter Insurance directly. You can call Shelter directly at 1-800-SHELTER (1-800-743-5837).

How long has Shelter Insurance been in business?

Shelter Insurance began in 1946 to provide car insurance to people who live in Missouri. It has been around for more than 70 years and has expanded throughout its time to offer insurance for your home, life, car, farm, business, and more in 18 states.

Where is Shelter Insurance headquarters?

Shelter Insurance’s headquarters are located in Columbia, MO.

What else do you need to know about Shelter Insurance?

Shelter's website allows consumers to get an insurance quote or find an agent to learn more about a Shelter Insurance policy. The site also allows current Shelter policyholders to manage their accounts online.

Shelter offers a mobile app that lets policyholders view their policy and access ID cards. In addition, the mobile app also allows Shelter customers to pay their bills, report a claim and obtain roadside assistance. All of Shelter's automobile insurance policies include 24/7 roadside assistance at no additional charge. Shelter's roadside assistance is provided by Road America.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

Customers' choice awards

Shelter Mutual Insurance Company Awards & Accolades

• Shelter Reinsurance Company Scorest a+ Rating from A.M. Best (2-27-17)
• Shelter Insurance Named in Business Insurance's Annual Best Places to Work in Insurance (11-15-17)