The right coverage at the right price
Shelter offers a wide range of generous home insurance premium discounts. They may not be offered in all states, or may be offered under different terms.
Companion Policy Discount
Premiums may be discounted if you own a qualifying Shelter Insurance® auto insurance policy in addition to your home or renters policy.
Protective Devices Credit
Get a discount for having the following devices on your property:
- An approved alarm system
- At least one fire or smoke alarm on each level of the dwelling
- Dead-bolt locks on all exterior doors and all accessible doors and windows
Claim-Free Discount
Maintain your insurance policy for at least six consecutive years without a claim and get a discount on your premium. The discount will apply on all subsequent renewals.
New Home Discount
Homes under construction can receive a discount of up to 40 percent for one year. Homes completed and first occupied during the preceding calendar year are also eligible for a significant discount.
Heating System Discount
If a solid fuel heating device (wood, coal, etc.) isn't present, you can receive a discount. A conventional fireplace isn't considered a solid fuel heating device.
The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.