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Travelers Homeowners Insurance Review

A wide range of extra coverage, including eco-friendly options

Travelers

Travelers was founded in 1864 and is currently the only property casualty company listed in the Dow Jones Industrial Average. Originally formed to provide accident insurance to policyholders, the company has since branched out to include other insurance products in most states, including Travelers homeowners insurance. It is the top writer for homeowners insurance through independent agents and has relationships with more than 13,500 independent agencies and brokers.

Available in most states

Eco-friendly coverage options

Wide range of extra coverage options

Fewer discount opportunities

Differing local agent experiences

Online quotes not always available

Travelers

Pros Explained

Cons Explained

Travelers Standard Home Insurance Coverage Plan

Travelers standard home insurance policies cover the following:

Dwelling Coverage

This portion of your standard coverage will pay to repair or rebuild your home if it’s damaged by certain covered losses, which include fire, some types of severe weather, theft, and vandalism. For example, if a fire destroys your roof, Travelers will pay to have the shingles and any other damaged areas repaired.

Other Structures Coverage

In addition to the physical structure of your home, qualifying items on your property are also protected, such as fences, sheds, and detached garages. In the event of a covered loss, you may be able to have the qualifying item or structure replaced or repaired. 

Personal Property Coverage

For qualifying personal items, such as appliances, electronics, and furniture, you will receive the actual cash value in the event of any damage. Certain items may fall under special limits of liability. 

Loss-of-Use Coverage

Homeowners who need to move out of their home temporarily—perhaps because it is deemed uninhabitable or local authorities restrict you from being in it or the neighborhood—will receive additional living expenses. Let’s say your home has been damaged by a fire, and contractors must complete major structural repairs before the home is deemed habitable. In this case, Travelers insurance will pay for expenses such as hotel stays, food costs above the usual amount you pay, and any relevant transportation costs. 

Personal Liability Protection

In the event someone was physically injured or has had their property damaged while on or around your home, Travelers will provide coverage for certain expenses, such as legal defense fees for lawsuits and medical expenses if you’re found responsible. For example, a neighbor walked to your front door to return a borrowed item, and your dog bit them on the leg. If your neighbor needs multiple stitches, your coverage would pay for the medical bills related to the incident.  

While rates differ based on the insurance company from which you purchase a policy, here are some common factors that could affect what you pay:

Travelers Home Insurance Discounts

Your individual policy rate will depend on various factors, but you may be able to lower your premium by qualifying for the following discounts:

Travelers Home Insurance Availability

Homeowners may purchase an insurance policy with Travelers in 45 states and Washington, D.C. Travelers homeowners insurance is not available in Alaska, Florida, Hawaii, Louisiana, and West Virginia. Travelers also won't cover manufactured or mobile homes.

Keep in mind that options for coverage, discounts, rates, and other features may vary depending on your state.

Travelers Customer Service

Homeowners can reach Travelers insurance by sending a secure message online 24/7, calling the appropriate customer service hotline, or talking to a local agent. Office hours for local agents depend on location.

You can speak with a Travelers representative for a quote by calling 1-866-236-6408 Mondays through Fridays from 8 a.m. to 11 p.m. EST, Saturdays from 8:30 a.m. to 6:30 p.m., or Sundays from 8:30 a.m. to 6 p.m. To ask any billing or policy service questions, call 1-800-842-5075 at any point.

If you’re already a customer and need to report or track a claim, you can reach representatives 24/7 at 1-800-252-4633.

How to Make a Home Insurance Claim With Travelers

Policyholders who need to file a Travelers home insurance claim have several options:

Travelers Home Insurance Cancellation Policy

You can cancel your Travelers home insurance policy at any time by contacting your local agent, submitting a written request via mail, or calling 1-866-336-2077. The cancellation can take effect immediately or be set for a future date. You’ll need to provide your name and policy number.

Other Insurance Provided by Travelers

Travelers provides a number of insurance products, including the following: 

Get a Travelers Homeowners Quote

Homeowners can get a quote by contacting a local agent, completing an online application form, or calling 1-866-236-6408 Mondays through Fridays from 8 a.m. to 11 p.m. EST, Saturdays from 8:30 a.m. to 6:30 p.m., or Sundays from 8:30 a.m. to 6 p.m. Information you’ll be asked to provide includes your full name, phone number, address you want to insure, and the type of coverage you want. In some cases, even if you apply online, you’ll need to call to be able to receive a full quote. 

Travelers offers many additional coverage options, which should be attractive to those who want to ensure that all of their insurance needs are met. Its eco-friendly coverage is rare and useful if you can meet the qualifications and want to be able to repair your home with green materials. 

Some homeowners may not like the fact that online quotes aren’t always available and discounts aren’t as abundant as those of other insurers. You'll need to weigh the pros and cons carefully before deciding whether Travelers insurance is right for you.

Compare Other Home Insurance Reviews

To make sure that you receive the best price and coverage for your home insurance needs, shop around and look at multiple quotes before making your choice. While there is a lot to like about Travelers insurance, it may not provide the best fit for your particular situation.  

Frequently Asked Questions

Is Travelers Good at Paying Claims?

AM Best, a credit rating agency that assesses the creditworthiness of insurance companies, has rated Travelers' financial strength as A++ (Superior). This means Travelers can be trusted to pay claims and meet its financial obligations.

Who Underwrites Travelers Home Insurance?

Travelers homeowners insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates.

What Is Not Covered by Travelers Insurance?

Basic homeowners insurance typically doesn't cover damage from natural disasters such as floods and earthquakes, but optional extended coverage may be available. In addition, personal liability protection does not cover injuries sustained by you and any residents of your home.

Methodology

Investopedia is dedicated to furnishing consumers with unbiased, comprehensive reviews of homeowners insurance providers. We reviewed each company’s coverage options, available discounts, customer service, and satisfaction ratings to ensure that our content helps you make the right insurance decision for your home and family.

AM Best. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries."

Travelers. "Quoting Disclosures."