7.7 / 10

Travelers Homeowners Insurance Review

With several high-quality policy options at competitive rates, Travelers is good insurance option for a range of home and personal property coverage needs.

Pat Howard 1600

Pat Howard

Published November 14, 2019


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Travelers Homeowners Insurance




    Range of policy options to choose from

    Modernized coverage and rate-saving opportunities

    Multiple unique endorsements and coverage enhancements


    Some subpar customer service ratings

    Below average claims satisfaction ratings


Travelers offers an extensive suite of homeowners insurance coverage options for both medium and high-value homes. Although they've been around since before Abraham Lincoln was president, Travelers is no dinosaur, offering industry-leading digital tools and modernized coverage options like green home protection (rebuilds your home with green home materials in the event of a loss).







Customer ratings



Policy options



Customer experience




2 of 5


J.D. Power Rating

A trusted customer satisfaction and product quality research agency



BBB Rating

A nonprofit organization focusing on marketplace trust and product quality



A.M. Best

100-year-old U.S. credit rating agency focused on the insurance industry


The Bottom Line

Owning a home is a significant financial undertaking and there's a lot of risk involved for homeowners, so it's especially important to select a policy that covers all of your bases at a price that doesn't break the bank. Travelers excels mightily in those two areas, offering a number of robust and budget-friendly coverages for most types of homes and financial circumstances. However, Travelers has low marks in the claims department, ranking below average in J.D. Power’s 2019 Home Insurance Study and their Property Claims Satisfaction Study.


The Details


The Good

Range of policy options to choose from. Your homeowners insurance needs are determined by a variety of factors, including the size and build of your home, its location, your personal belongings, and the amount of all of your combined assets. Regardless of your coverage needs, Travelers probably has you covered, offering four flexible and robust policy packages for you to choose from.

Modernized coverage and rate-saving opportunities. It's often—and correctly—claimed that homeowners insurance coverages aren't indicative of the modern home. Travelers understands the coverage needs of today's homeowner and it shows, offering green home coverage as well as a green home discount to homeowners looking to reduce their carbon footprint.

Multiple unique endorsements and coverage enhancements. Travelers offers several kinds of coverage endorsements that are only provided by a handful of insurance companies. With Travelers, you can insure your home with guaranteed replacement cost coverage, expensive appliances with equipment breakdown coverage, and you can schedule that expensive family heirloom with personal articles coverage.


The Bad

Some subpar customer service ratings. Travelers earned a below-average 2 out of 5 rating with J.D. Power in their 2019 Home Insurance Study—a survey which rates every aspect of the insurance experience with individual carriers. Travelers was dinged for their billing process and policy information, which rates company timeliness, clarity, and accuracy of their billing statements and policy information.

Below average claims satisfaction ratings. Travelers also received below-average marks in J.D. Power's 2019 Property Claims Satisfaction Study, scoring a 2 out of 5 in every claims category except one. Part of the risk with insuring your home with a larger insurance company is the high volume of claims they receive throughout the country. If you're looking for a white-glove claims service, you may not get that with Travelers.

The Breakdown




The price of homeowners insurance can vary considerably from state to state and house to house. But Travelers appears to have some of the more competitive rates in the industry, with a $1,556 average quoted premium with Policygenius—slightly lower than the average quoted policy price.

Your rates are particularly impacted by the amount of coverage in your policy. Below is the average cost of homeowners insurance at different levels of coverage with Travelers.

Travelers coverage amountTravelers average annual premium

Average annual homeowners insurance premiums for each coverage level were calculated using Policygenius quoting data.


A great way to keep your homeowners insurance costs down is to take advantage of discount opportunities.

Some common discounts include protective devices discounts, claims-free discounts, and new home-buyer discounts. Travelers offers all of the standard discounts, plus a less-common green home discount which trims 5% off your policy if your home meets certain green home building standards.

Travelers also offers a multi-policy discount of up to 15% if you get more than one property insurance policy with Travelers.

  • Protective devices discount - If your home has security and safety features like burglar alarms, fire alarms, and fire sprinklers
  • Loss-free discount - If you go an extended period of time without filing an insurance claim
  • New home-buyer discount - If you bought the home that you're insuring within the last year
  • Green home discount - If your home's build meets certain green home construction standards
  • Multi-policy discount - If you bundle your homeowners insurance policy with auto, boat, umbrella, and any other type of property insurance with the same company




Homeowners insurance protects your most important financial assets, so you'll want to be sure you're insuring your home, your personal possessions, and other assets with a company that will be able to pay out your claim in the event of a disaster. Travelers has been around for over 150 years and has well-established financial strength with the top insurance rating agencies in the world. With Travelers, you can insure your home with confidence.

  • Year founded: 1853
  • Standard & Poor's rating: AA
  • Moody's rating: Aa2
  • A.M. Best rating: A++

Standard & Poor's measures companies' creditworthiness and is used primarily by financial investors and other market stakeholders. S&P is also valuable in measuring the long-term financial stability of insurance companies. A AAA rating is the highest issuer credit rating assigned by S&P, so Travelers AA rating puts them in the upper-echelon of insurance companies in terms of financial confidence.

Moody's is very similar to Standard & Poors, except rather than measuring a companies ability to remain financial stable and creditworthy, Moody's measures what the expected losses would be if a company were to go into default. It's particularly valuable in analyzing the value of stocks and bonds with certain companies. A AAA rating is the highest possible score you can receive from Moody's, so Travelers Aa2 rating earns them a "very high" investment grade designation.

A.M. Best is the most reliable credit-rating tool insureds can use to gauge the financial health of a particular company. Unlike S&P and Moody's, A.M. Best is focused exclusively on the insurance marketplace. A good score with A.M. Best means a company is more likely to fulfill their financial obligation to you when it comes time to file a claim. With a score of A++, Travelers has the highest rating a company can receive with A.M. Best.

Customer ratings



It's important to know what experts think about homeowners insurance companies - but it's also good to know what actual customers and consumer sentiment sites are saying, too.

Travelers has above average customer ratings across the board. While they falter in some areas, like J.D. Power's overall satisfaction score or the NAIC's complaint index, keep in mind their large customer base and the fact that a vast majority of customers are largely satisfied.

  • J.D. Power: 2 / 5
  • BBB: A+
  • Consumer Affairs: 3.7 / 5
  • Consumers Advocate: 4.8 / 5
  • NAIC complaint index: 1.76

J.D. Power provides studies that rate insurance companies across policy offerings, price, clarity of billing and policy information, interaction, and claims. An overall satisfaction score, "based on how customers view every experience of their experience with homeowners insurance providers", is reflected here and used for our ranking.

The Better Business Bureau ranks companies across a large swath of criteria. While consumers can submit ratings to the BBB, these scores are not taken into account in their rating, although tangential metrics that take into account customer experience are.

Consumer Affairs is a platform that lets consumers directly rate customers, while Consumers Advocate rates companies based on stability, reputation, and policy coverage.

The National Association of Insurance Commissioners tracks the number of complaints submitted to state insurance departments with their national complain index. A score of 1 is the baseline average, and a score of 0 means there weren't enough complaints to count. Travelers 2018 score of 1.76 means they received almost double the complaints of the average company. That may seem high, but keep in mind their large customer base.

Policy options



Travelers offers four homeowners insurance coverage packages that provide all of the primary coverages: dwelling, other structures, personal property, loss-of-use, personal liability, and medical payments coverage.

There is one standard policy with the bare-minimum that lets you add additional coverages ala carte. Travelers then advertises three higher tiers of home insurance that include everything from extended replacement cost home coverage to expensive valuables coverage to unique endorsements like sewer lines coverage, equipment breakdown coverage, and green home coverage.

Here's some of the highlights of each of the four coverage tiers with Travelers:


  • Standard coverage
  • Optional extended replacement cost home coverage
  • $1,500 sublimit for replacement of trailers and watercrafts
  • $1,500 sublimit for replacement of stolen jewelry and furs
  • $2,500 sublimit for replacement of stolen silverware


  • Everything that's included in the Silver plan
  • 25% or 50% extended replacement cost coverage for your home
  • Personal property coverage is 70% of your dwelling limit


  • Everything that's included in the Gold plan
  • Open perils coverage for personal property
  • Water backup, personal injury, and identity fraud coverage included
  • $3,000 sublimit for replacement of trailers and watercrafts
  • $3,000 sublimit for replacement of stolen, misplaced, or lost jewelry and furs
  • $4,000 sublimit for replacement of stolen silverware

Platinum Plus

  • Everything that's included in the Platinum plan
  • Guaranteed replacement cost coverage for your home
  • Water backup, personal injury, and identity fraud coverage included
  • $5,000 sublimit for replacement of stolen, misplaced or lost jewelry and furs
  • $10,000 sublimit for replacement of stolen silverware

Note: The information above represents potential policy options and may not be available for every applicant. Speak to a licensed expert for a personalized look at your coverage options.

Customer experience



Travelers provides wide availability, an easy application process, and numerous digital tools to manage your policy make it a great and user-friendly homeowners insurance option.

State availability

Travelers homeowners insurance is available in 40 states and the District of Columbia.

Digital tools

Travelers features an online application and instant-quote, online bill pay, and a mobile application.

The application

There’s a few different ways you can apply for homeowners insurance with Travelers. You can apply through the company website, over the phone, or even on Amazon in certain states.

The application process is fairly simple to navigate—you type in your ZIP, fill out basic information about yourself and your home (about five pages), indicate if you’d like to bundle with an auto policy, and Travelers sends you a quote almost immediately. The entire process takes about five minutes. From there, Travelers will provide you a number to call to discuss your quote and make your purchase.

Ease of claims

Submitting claims with Travelers is about as easy as it gets. One of the primary navigation tabs on the company website leads you to a claims portal where Travelers provides detailed information, steps, and comprehensive educational resources about how their claims process works. Travelers allows you to file and track your claim as well as contact emergency claims services all through their website. From the looks of it, Travelers has this part down.

Additional claims service

Travelers earned points for not outsourcing their claims to a different insurer, making the claims process less painless and convoluted. Travelers also has special catastrophe centers to contact if your home was damaged in a disaster.

Claim satisfaction

The user experience is great, but where Travelers falls down a few notches is in claims satisfaction. Much has been discussed about Travelers dropping customers for filing claims.

Travelers also has a subpar claims satisfaction score (2 out of 5) with J.D. Power which raises a few red flags, as one of the biggest indicators of home insurance customer satisfaction is the claims experience.

Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.

Insurance Expert

Pat Howard

Insurance Expert

Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.

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