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Shelter offers generous premium discounts for dwelling insurance. They may not be offered in all states, or may be offered under different terms.


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.

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.