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Shelter Insurance

in Boaters Insurance

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Shelter Insurance

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in Boaters Insurance

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Overview

Where does Shelter Insurance do business?

Shelter Insurance is an insurance carrier with headquarters in Columbia, MO. The company was established in 1946 and offers boat insurance in 15 states in the USA.

What types of boat insurance coverage does Shelter Insurance offer?

Although we often talk about boat insurance in the singular, it really includes several types of coverage. Shelter Insurance offers the following types of coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another boat or property when at fault in an accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your boat after an accident. If you have a lease, the lender may require you to buy collision insurance.

  •  Comprehensive Coverage: If your boat is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Water Sports Coverage: A must for boat owners who plant to use their vessel for water skiing, wakeboarding, and other water sports

  • Salvage/Wreckage Removal: Some standard insurance policies will subtract salvage costs from the insured value of the boat or only offer a small percentage of the coverage amount for salvage. This endorsement protects from the specific costs and liability that go with a wreckage or salvage.

Shelter Insurance also provides access to the following endorsements:

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.
  • Mechanical Breakdown Coverage: If your boat is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company before you carry out repairs.

What benefits does Shelter Insurance offer?

Shelter Insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What discounts can you ask for when applying for a policy with Shelter Insurance?

When you ask for a quote with Shelter Insurance, make sure you ask for all the discounts you qualify for. These are the discounts you can claim that are specific to boat insurance.

  • Diesel Engines: If your boat has diesel engines, you can request a deduction, particularly from your physical damage coverage.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Shelter Insurance.

What is the financial strength rating of Shelter Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score of available ratings.

Shelter Insurance scores an A or excellent, which is SuperMoney's second highest available score.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 15 states
  • Arkansas
  • Colorado
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee

Feature Breakdown

Policy Discounts
  • Claims Free
  • Continuously Insured
  • Defensive Driver / Safety Course
  • Loyalty / Long-Term Customer
  • Multiple Policy
Vehicle and Equipment Discounts
  • Alternative Fuel / Hybrid
  • Anti-Theft Devices
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Boaters Insurance
  • Water Sports Coverage
  • Wreckage Removal
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Vehicle Policy Endorsements
  • Mechanical Breakdown Coverage
Boaters Policy Endorsements
  • Fishing Equipment & Carry-On Items
Financial Strength Rating
  • A
On-Water Towing and Labor  
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
Available 24/7 by Phone  

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