Discounts | Farmowners Insurance | Shelter Insurance®


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Shelter offers a wide range of generous farm insurance premium discounts. They may not be offered in all states, or may be offered under different terms.

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.

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

New Mobile Home Discount

Current model year mobile homes can receive a discount of up to 10 percent. Mobile homes from the preceding model year can receive a discount of up to 5 percent.

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.

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.

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.

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.