Auto Coverage Summary | Shelter Insurance®

What's Included with a Shelter Auto Policy?

What's Included with a Shelter Auto Policy?

Bodily Injury and Property Damage Liability

If you are legally liable for someone else's injuries or death in a covered car accident, Bodily Injury coverage helps you pay for damages.
Similarly, property damage coverage helps pay for damages you caused to someone else's property in a covered car accident.

New Car Replacement

This coverage is designed to replace a damaged new vehicle with a new one of the same year, make and model under certain conditions. See More Details

Roadside Assistance

Flat Tire? Dead battery? Ran out of gas? These inconvenient delays are just a few examples of reasons our customers call our Roadside Assistance service, which is included on all Shelter personal auto policies. One call and help is on the way! See More Details

Additional Auto Insurance Coverage


If your car is damaged in an accident like in the examples shown above, even if it's not your fault, this coverage will help you get your vehicle repaired or replaced after you pay your deductible.


If your car is ever stolen or damaged by a non-auto crash (such as from a rogue shopping cart in a parking lot), comprehensive coverage can help with the cost of getting it repaired or replaced after you pay your deductible.

Uninsured Motorist Property Damage

Uninsured Motorist Property Damage is a coverage that applies to your vehicle if another driver was at fault in an auto accident and didn't have current insurance. It will help pay to repair or replace your car.

Rental Reimbursement

Rental Reimbursement coverage helps you pay for reliable transportation while your car is out of commission after a covered loss. The amount of coverage you purchase represents the maximum amount we will pay for each day you use the rented vehicle.

See All Coverage Options

Auto Insurance Discounts

Pay In Full Discount

Available to drivers who pay their premiums in full every six months or annually instead of monthly.

Loyalty Discount

A discount available to renewing policies for select vehicles based on the number of years the policy has been in force.

Safe Driver Discount

Available to customers who have been accident and violation-free for the past three years. It may even be increased if you are accident and violation-free after six years of maintaining this safe driver status.

Length of Ownership Discount

Available to select vehicles based on the number of years you have owned the vehicles.

See All Discounts

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.

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