Shelter Insurance - Jeremy Stone Agency

06/26/2026

Set up a My Shelter account to you ensure that you never experience FOMO—that is, the fear of missing out—on all the convenience it offers.

Still paying your bills by mail each month? You probably have other things to do with your time, like going to your kids' baseball games, spending time with your aging parents or grandparents, volunteering at your community's food bank or simply relaxing with your friends and family.

Online bill paying is nothing new, but a My Shelter account offers more than just a way to pay your premiums online. A My Shelter account is a place where you can pay your premium, view all your policies, print ID cards, report a claim, view claim status, go paperless and more.

Ask your agent about recurring credit card payments for Monthly as well as Full Pay recurring plan details.

Taking Things Mobile
Once you've registered, you can connect to your My Shelter account on your smartphone or tablet using our mobile app. The mobile app has the same features as a My Shelter account and then some. You can access your ID cards or file a claim through our mobile app—but we hope you never need to.

Are you ready to make the move to My Shelter? All you have to do is get one of your policy numbers (you'll need it to get started) to register.

06/25/2026

June is one of the most popular months for weddings. If you're a newlywed and you and your new spouse both have a car, ask your Shelter agent if you qualify for a Companion Other Vehicle discount!

Switch and Save Discounts
Our Switch and Save discounts are designed for new customers who transfer their car insurance to Shelter from another insurance provider. They include the following:

Prior Carrier Tenure
Available to select vehicles based on the length of time your prior auto insurance policy was in force.

Prior Coverage Selection Discount
Available to select vehicles based on the selected limit of liability coverage on your prior auto insurance policy.

Evidence of Continuous Insurance Discount
Available to select vehicles with active prior coverage.

Save Money without Sacrificing Coverage
Everyone likes to get a discount, and at Shelter, we offer a wide range of them. The discounts listed below may not be offered in all states, or may be offered under different terms. Check with a Shelter agent to find out which discounts apply to you.

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

Length of Ownership Discount
Available to select vehicles based on the number of years you have owned the vehicle.

Companion Other Vehicles Discount
Available to select vehicles if you have other qualifying Shelter non-private passenger vehicle policies.

Companion Life Policy Discount
May apply to all Private Passenger vehicles if the named insured on the automobile policy is the owner or named insured on a qualifying individual life insurance policy. This discount will only be available for policies qualifying for the Companion Property Policy Discount.

Companion Property Policy Discount
Available to select vehicles if you have a Shelter Homeowners, Farmowners, Mobile Homeowners, Owner-Occupied Dwelling Fire or Farm Fire Policy.

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.

Good Student Discount
Primary drivers who qualify as good students (based on class rank, grade average or academic honors) may qualify for a discount on their overall premiums. The student must have an active license and provide proof of qualification before age 19. A good student discount can be renewed as long as the driver remains an unmarried full-time student under age 25.

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

Passive Restraint Discount
Available for cars that have factory-installed airbags.

Accident Prevention Course Discount
Premiums may be reduced if you are the primary driver of a vehicle on your policy and you complete an accident prevention course.

Driver Training Course Discount
Premiums may be reduced in some states if every driver in the household under age 21 has completed an approved driver's education course.

06/22/2026

“Dude, can I borrow your car?” You might want to help, but in the back of your mind you wonder, “What if they wreck it?”

Borrowing Trouble: What to Do if Your Friend Wrecks Your Car

You let a friend drive your car. The friend gets into an accident that is his fault. He has car insurance, you have car insurance, so whose insurance company pays for the damage? It’s a complicated answer, and largely depends on your insurance company.

According to the Insurance Information Institute, in most states, the auto insurance policy covering the vehicle is considered the primary insurance in this situation. This means that the car owner’s insurance company would pay for damages caused by an accident, regardless of who is driving. Policies and laws differ by state, so make sure you understand the rules before allowing another person to drive your car.

In the above situation, Shelter’s coverage would only pay the state required minimum liability minimum for the driver, retaining the remaining limits for you in case you are named in a lawsuit regarding the loss. Anything that needs to be paid out beyond what the state’s minimum requirements are would fall to your friend who wrecked your car. Be aware, this claim would be on your policy and may impact future rates.

Let’s say the situation is reversed and you are the one driving a friend’s car and you have an at-fault accident. Assuming you had permission to drive the car, not overall consent to drive it whenever you want, we would provide coverage beyond what your friend’s policy would cover. Depending on the provisions of both policies involved, the coverage may be handled by establishing a primary coverage and excess coverage or prorated between the two policies.

Uh-Oh—My Friend is NOT Insured
If your friend wrecks your car and does not have car insurance of their own, they will likely be responsible for the amount that exceeds what your coverage with Shelter will not pay. If they can’t afford to do that and they don’t have insurance of their own, there could be a problem.

Long Term Borrowing
If a friend needs to borrow your car long-term, or even for just a few months, it’s a better idea to add their name to your policy. If you don’t, and your insurance company finds out, they could deny the claim altogether.

Letting a friend borrow your car when they are in a bind is understandable, but be smart about it—call your agent first to help you understand what could happen if your friend has an accident in your car. Also, make sure your friend has car insurance, and find out how his insurance company would handle that situation. Of course, nobody can anticipate every claim situation—each claim depends on its own set of facts—but having that information will help you both make an informed decision.

06/22/2026

Yesterday was Father's Day, but it was also the first day of summer, so we want to remind you about the hazards you may encounter during the season.

06/12/2026

If your summer road trip takes you down Route 66, stop and visit some of its iconic landmarks. We have a list of a few.

Route 66 Pit Stops

People say life is a highway…but there are some pit stops that you should add to your bucket list when you take the good old Route 66. If you are a foodie who loves historical sites and iconic landmarks, this might be the map you’d want to follow.

‘Begin' your trip from the start of Main Street of America by visiting the Begin sign in Chicago. The sign has been up since 1923 and although there have been many discussions on where Route 66 begins, the Chicago Department of Transportation decided to put it on East Adams Street where you can start your fun journey. You might want to consider spending a few extra hours in Chicago to check out some other iconic attractions such as the Route 66 Hall of Fame Museum and the Buckingham Fountain.

Once you are ready to hit the road, your next stop is St. Louis, Missouri. Just like in Chicago, there are many attractions worth seeing. If you only have time to see one thing, the Gateway Arch should be your pick. The monument will lift you 630 feet above the ground and give you a 30-mile radius of an amazing St. Louis view.

If heights are not your thing, your next stop in Oklahoma might suit you better. The Ed Galloway’s Totem Pole Park in Foyil, Oklahoma is 3.5 miles away from Route 66. It is the oldest and largest folk art that Oklahoma has to offer. Before you move on to the next state, grab some to-go lunch and have a picnic at the most popular attraction the old road can offer, The Blue Whale. You can enjoy your meal on the picnic tables around the open mouth of the whale.

Once you get back on the road and drive a while, it’ll be dinner time in Texas. Perfect timing for the Big Texan Steak Ranch where you can eat a 72 oz. steak for free when you enter their steak-eating challenge. When you wake up in the morning from the food coma, stop by the Slug Bug Ranch in Conway, Texas, then travel 35 miles west to the world’s only Cadillac Ranch. The Slug Bug Ranch has graffiti-covered VW Beetles buried now-down in a field and the Cadillac Ranch has graffiti-covered Cadillacs buried nose-down in a field.

If you've seen enough graffiti-covered cars, the Blue Swallow Motel in Tucumcari, New Mexico might interest you. It's a beautifully restored 1942 retro motel famous for its glowing neon sign and vintage garage. For a refreshing change, stop at the Blue Hole in Santa Rosa, New Mexico and take a dip in this 81-foot-deep artesian sinkhole that has incredibly clear blue water that's perfect for a swim or scuba dive. Finish up your day with a walk around the oldest state capital city in America, Santa Fe.

When you get to Arizona, you might want to slow down in Holbrook to see the Wigwam Motel. This is not your usual motel–built in 1937, the rooms are all in the form of teepees. Further west you'll get the chance to stand on a corner in Winslow, Arizona, which was made famous by the Eagles. Your final stop will be at the Santa Monica pier in California. Enjoy the beach during the day and their amusement park at night. It is a great way to end your trip with a bang.

06/08/2026

In 1981, MFA Insurance Companies became Shelter Insurance® and the MFA Insurance logo became the “Shield of Shelter” logo.

1946
The roots of MFA Mutual Insurance Company date to March 10, 1914, when seven farmers gathered in the Newcomer School in Brunswick, Missouri, to form one of the state's first farm clubs. Their mission was to pool their resources to buy goods and supplies at volume prices. Three years later, this club joined with others to form the Missouri Farmers Association. Having established an outlet for their harvests and a source for their supplies, they turned to other ways to help their members.

Farmers needed access to reliable insurance protection at prices they could afford. The MFA Mutual Insurance Company began operations on January 1, 1946, with seven employees and a $100,000 loan from the Missouri Farmers Association. Before its 7th anniversary, MFA Mutual was the largest mutual casualty insurance company in Missouri. It was an impressive start, but none could imagine what they had set in motion.

timeline1946
1957
Growth and expansion were evident at every turn and Shelter facilities were improved. Construction of a new corporate office was begun in 1954 and completed in 1957. The office has since doubled in size, and the corporate headquarters complex now includes a training center, warehouse, public gardens, and a branch claims office.
Expansion created opportunities that couldn't be met with a single company. Countryside Casualty Insurance Company was established to meet the need of higher-risk customers.
timeline1957
1959
The opportunity to add life insurance brought into being a third company - MFA Life Insurance Company. MFA Life is one more step toward agents being able to provide anything in the insurance line that a prospect wants to buy.
1962
Prospects had never looked brighter for the young companies. By the early 1960s, our sales territory had expanded into Arkansas, Kansas, Nebraska, Illinois, Iowa, Kentucky, Tennessee, Indiana, and Oklahoma. We were serving the needs of our policyholders with 12 branch claims offices. The Springfield, Missouri, branch office featured a drive-in claims facility. Another expansion effort in the 1970s added Colorado, Mississippi, and Louisiana to the Shelter map.
1975
The decade of the 1970s opened with enthusiasm. We continued to improve our facilities and secure the financial stability of Shelter Insurance® through better products and improved training. The mid-1970s saw a continuation of records being set. MFA Life Insurance Company reached its first billion dollars of coverage in force. New, larger agent signs were going up everywhere and "If it has anything to do with insurance, we do it better," became our advertising slogan. Our leaders headed the nation's two largest industry organizations. Our new Fast Action Claims Service resulted in quicker claims payments, reduced costs, and positive responses from policyholders.
Thousands of people attended the dedication ceremony of MFA Insurance Gardens on the grounds of the corporate office. Now Shelter Insurance Gardens, the award-winning five-acre gardens quickly became a favorite place for people to take a break, relax, and enjoy the beauties of nature.
timeline1975
1981
In this year, we became Shelter Insurance Companies. MFA Insurance Companies began a rebirth in 1981 as we turned away from the Missouri Farmers Association to a new identity. We struggled through a divorce from our parent organization and developed an entirely new identity. First to be changed was our emblem, from the familiar MFA Insurance "shield" to the "Shield of Shelter." Then came the new name: Shelter Insurance®. Our new name spread throughout our operating territory with more than 1,000 new, lighted Shelter agency signs and new radio, television, and print advertising promotions.
timeline1981
1985
The effects of our new identity were positive. Shelter Life Insurance Company reached $2 billion in life insurance in force, due in large part to the overwhelming acceptance of Shelter Life's newest product, the Platinum Shield® Universal Life policy. Increased activity and improved services required better facilities to keep pace and to provide excellent working conditions. More new offices opened and computers appeared in agent offices.
1986
We went international in 1986, inviting clients worldwide to do business with the new Shelter Reinsurance Company. Since then, the company has consistently provided long-term positive results.
timeline1986
1989
The 1980s saw an emphasis on securing financial stability for Shelter Insurance®, which resulted in a quality book of properly classified business that was growing at a rate of 25,000 policies per year by the beginning of the 1990s.
With an eye to growth, Shelter launched a massive upgrade of computer systems and began expansion of facilities with construction of a 50,000 square-foot addition to the corporate headquarters. The second 50 years of Shelter's history would get off to a record start with Shelter reaching milestones: our combined assets reached $1.5 billion, making Shelter the 98th largest U.S. insurer, and agents achieved $7 billion of life insurance in force.
1996
Shelter's golden anniversary, or 50th anniversary, was marked with a celebration attended by Shelter agents, employees, retirees, and community and business leaders from the Columbia, Missouri and central Missouri area. John Ashcroft, former Attorney General of the United States and former Missouri senator, gave the keynote address, praising Shelter for a long history of fiscal and social responsibility.
In commemoration of our first 50 years in business, It's a Proud Business, a corporate history book, was printed and given to all of our employees and agents.
2002
Month-end figures compiled in March 2002 indicated that for the first time, Shelter had insurance protection in force for more than one million automobiles. Shelter ended the month with 1,003,141 auto policies in force.
2006
2006 marked the 60th operating anniversary for Shelter Mutual Insurance Company. In their 60th year, Shelter Insurance Companies were proudly represented by 1,800 employees and 1,300 agents who serviced 1.97 million policies. Total assets under management had grown to $3.724 billion.
In July, Shelter expanded the operating territory by adding a 14th state: Nevada.
2008
Shelter Life Insurance Company and Shelter property/casualty companies were ranked among the top 50 in the United States. The Ward Group® recognized Shelter Life as a top-performing life insurance company for the second consecutive year. The Ward Group® also ranked the Shelter Insurance® group of property and casualty companies among the top 50 performers out of over 3,000 U.S. property and casualty insurers analyzed for their annual ranking.
2010
Shelter Reinsurance upgraded by A.M. Best for the company’s improved capitalization and favorable operating performance.
Life Insurance in Force Surpasses $20 Billion Plateau.
Shelter Life ranked among Top 50 in U.S. for achieving outstanding financial results in the areas of safety, consistency and performance over a five-year period from 2005 to 2009.
Shelter Insurance® named in Ward’s 50 Top Performers which signifies Shelter as one of the safest and best managed companies in the insurance industry.
2011
Shelter Life ranked among Top 50 in U.S. again by the Ward Group®.
2014
Shelter Life Insurance Company Scores A+ Rating from A.M. Best.
Shelter Launches AmShield Insurance®.
2016
Shelter makes Ingram’s list of Top 25 brands in Missouri.
Shelter Launches Say Insurance®.
Shelter Reinsurance Company Celebrates 30 Years.
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the first time.
Shelter expanded the operating territory by adding a 15th state: Ohio.
2017
Shelter Reinsurance Company Scores A+ Rating from A.M. Best.
Shelter Insurance® named in Business Insurance’s Annual Best Places to Work in Insurance.
2018
Shelter breaks ground for new Claims facility at Home Office location in Columbia, MO.
Shelter Insurance® named in Business Insurance and Best Companies Group’s Annual Best Places to Work in Insurance again.
Shelter celebrated 30th Anniversary of Cultivate Internship Program.
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the second time.
2019
Shelter Insurance® named in Business Insurance and Best Companies Group’s Annual Best Places to Work in Insurance a third time.
J.D. Power Ranks Shelter Insurance® #1 for third time in four years.
Shelter Insurance® Named in Business Insurance and Best Companies Group’s Annual Best Places to Work in Insurance.
2020
Due to COVID-19 pandemic, Shelter took steps to protect employees by sending most to work from home. Realizing many of Shelter’s customers experienced temporary lapses in employment and potential financial burdens, relief efforts were put in place including:
Waiving reinstatement fees incurred during the COVID-19 pandemic.
Suspending cancellations as a result of bad drafts of funds from banks.
Implementing a 30% relief payment of customers’ personal auto monthly premium for the months of April and May based on customers driving less and experiencing fewer accidents. This was one of the highest relief percentage payment amounts provided by the insurance industry.
The Shelter Insurance® Foundation board allocated $1.5 million for crisis relief in the communities Shelter serves. The Foundation approved offering a $1,000 donation per agent and $5,000 per regional office to area charities to respond to local COVID-19 needs.
Shelter also provided a 5% rate reduction for auto customers in most states in the operating territory. The size of the decrease for individual customers varied based on policy coverages and the individual’s profile and loss experience.
Shelter employees move into the new North Campus Facility, located at the Home Office in Columbia, Missouri.
Shelter Insurance® was named in Business Insurance and Best Companies Group’s Annual Best Places to Work in Insurance for fourth year in a row.
2021
Shelter Insurance® celebrates 75th Anniversary with a mix of events including Home Office and Branch Office celebrations, volunteering and sharing important events about Shelter’s history. An Inspiration Garden, a section of Shelter Gardens commemorating deceased agents and employees, was refreshed and re-dedicated in honor of the 75th.
Shelter Insurance® named Best Place to Work for Disability Inclusion 2021.
Shelter Insurance® named in Business Insurance and Best Companies Group’s Annual Best Places to Work in Insurance for the fifth year in a row.
Shelter Reinsurance® celebrates 35th Anniversary.
Shelter Insurance® hosts first ever Winter Wonderland Garden of Lights in Shelter Gardens as part of the holiday season celebration. It was kicked-off in conjunction with the 56th annual Holiday Tree Lighting ceremony.
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the fourth time.
2022
The Shelter Insurance® Cultivate Internship Program was recognized as a top insurance internship opportunity by the Rising Insurance Star Executives (RISE) organization.
Shelter Insurance® named Best Place to Work for Disability Inclusion 2022.
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the fifth time.
Forbes ranked Shelter Insurance® as No. 20 on its list of America's Best Midsize Employers.
Shelter celebrates the 5-year anniversary of American Shield in Arizona.
2023
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the sixth time.
Shelter Life Insurance Company recognized by the Ward Group® as one of the top-performing life insurance companies in the United States.
Customer Services celebrates 30th anniversary.
Shelter discontinued offering Say Insurance®.
Shelter ranked No. 13 on Forbes' list of America's Best Midsize Employers.
2024
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the seventh time.
Forbes Ranks Shelter Insurance® as the World’s Best Insurance Company for Auto Insurance.
Shelter Life Insurance Company Ranks In the "Top 50" in the U.S.
Shelter Life Insurance Company recognized by the Ward Group® as a top-performing life insurer.
2025
J.D. Power ranked Shelter #1 in Customer Satisfaction in the Central Region for the eighth time.
Forbes Ranks Shelter Insurance® as the World’s Best Insurance Company for Auto Insurance two years in a row.
Shelter Life Insurance Company was recognized as one of the top-performing life insurance companies in the United States for the third year in a row.
Shelter Gardens celebrated its 50th anniversary with a ribbon-cutting ceremony.

06/04/2026

Only a few more days left for voting!!
Best of Lawrence 2026 voting is open until June 7th! You can vote for us EVERY DAY by clicking the link here!

🗳️ Vote here: https://www2.ljworld.com/bestoflawrence/ #/gallery

06/03/2026

Great news! We were nominated for Best of Lawrence 2026.

Please go vote for Shelter Insurance - Jeremy Stone Agency as the best agency in Lawrence and Jeremy Stone as best agent. You can vote once a day for each category. Please help us reach this goal!

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06/02/2026

It’s that time of year again!! Best of Lawrence 2026 voting is open until June 7th! You can vote for us EVERY DAY by clicking the link here!

06/02/2026

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Copyright © 2026 Ogden Newspapers of Kansas, LLC | https://www2.ljworld.com | 1035 N. Third Street, Lawrence, KS 66044 | 785-843-1000 | Terms of Service