2023 Policygenius award winner
The bottom line
Travelers is one of the oldest and most trusted home insurance providers in the business thanks to its industry-best financial ratings, flexible policy options for most home types and budgets, and availability in nearly every U.S. state.
Travelers home insurance is an especially good pick for homeowners who've had a lapse in coverage because it doesn't require prior insurance on the home to qualify. This is rare, as most companies won't insure homes that went a period of time (as little as a month even) without homeowners insurance.
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Basic coverages offered
Travelers home insurance policies include these six basic coverages to safeguard your home, belongings, and personal liability.
Dwelling: Pays to rebuild or repair the structure of your home, such as the roof, floors, walls, built-in appliances, and any structures attached to the home.
Other structures: Pays to rebuild or repair additional structures on your property that aren’t attached to your home, like a detached garage or gardening shed.
Personal property: Covers the costs of repairing or replacing your personal belongings, such as furniture, clothes, electronics, and any other possessions you own.
Loss of use: Helps cover the cost of hotel stays, restaurant meals, pet boarding costs, and other temporary living expenses while your house is being rebuilt or repaired after a covered loss.
Personal liability: Covers medical and legal expenses in the event you’re legally responsible for an accidental injury or property damage.
Medical payments: Pays for guests’ medical expenses if they’re injured in your home, regardless of who is at fault.
Additional coverages offered
Choose from the following optional coverages to add on to your Travelers homeowners insurance policy for increased protection:
Extended replacement cost: Increases your dwelling coverage limit an additional percentage (usually 25% to 50%) in case your house is damaged or destroyed and the cost to rebuild it exceeds your policy limit.
Special personal property: This extends your policy’s personal property coverage to causes of damage or loss that aren’t covered under a standard policy, such as lost or misplaced items.
Replacement cost personal property: Covers the cost of replacing stolen or damaged personal belongings without deducting depreciation from your claim reimbursement.
Scheduled personal property: Increases coverage limits on expensive valuables that often have per-item limits on a standard policy, such as jewelry, watches, electronics, or antiques.
Jewelry and valuable items: Provides higher coverage limits and broadens protection for an entire category of valuable items, such as jewelry, silverware, firearms, and other property classes with relatively low sublimits.
Water backup: Covers the cost of repairs if your house is damaged due to water backing up and overflowing from your drain or a sewer line.
Identity fraud: If your identity is used fraudulently, this provides up to $25,000 in coverage for legal expenses, lost wages, and other costs you incur while restoring your identity.
Green home: This helps cover the additional cost to repair or rebuild your home with green materials in the event your home is damaged by a covered peril.
Umbrella insurance: If you have a liability claim that’s higher than your liability coverage limit, this kicks in to cover the rest of the costs. If you have assets valued at more than $500,000 (the maximum liability coverage limit on most home insurance policies), you’ll want to consider a personal umbrella policy.
Flood insurance: Travelers offers flood insurance through the National Flood Insurance Program (NFIP), the main provider of flood insurance in the U.S.
Travelers earned an exceptional score on our price rating scale thanks to home insurance rates that are about 17% cheaper than the national average, according to our analysis. While Travelers won’t “wow” you with discount options (there are only five advertised on its website), it does offer a bundling discount of up to 12% when you combine your home and auto policies and also offers a unique green home discount.
Travelers earns a middle of the pack score on our customer experience rating scale. Of the companies included in J.D. Power’s 2022 customer satisfaction, claims satisfaction, and digital experience surveys, Travelers scored below the industry average. However, Travelers made up for the lower-than-average J.D. Power ratings by scoring favorably in the National Association of Insurance Commissioners (NAIC) National Complaint Index Report. From 2019 to 2021, Travelers received about half as many complaints as expected for a company of its size.
Travelers earns an average score on our coverage options rating scale. In addition to offering all of the standard home insurance coverages, Travelers has up to 12 optional coverages, including extended dwelling coverage, water backup coverage, and standalone flood insurance through the NFIP.
Travelers earns an exceptional score on our financial strength rating scale. It's among the best in the business when it comes to financial stability thanks to its size, longevity, and near-perfect ratings with the major credit rating agencies. As of 2022, Travelers has an A++ rating with AM Best, an AA with S&P, and Aa2 with Moody’s. In other words, if your house is badly damaged or destroyed, you can rest assured that Travelers will be able to comfortably pay out your claim.
How much does Travelers home insurance cost?
The national average cost of home insurance with Travelers is $1,568 per year for a policy with $300,000 in dwelling coverage. This makes Travelers about 17% cheaper than the national average.
However, your own rates will depend on your home’s location and how much coverage you need. Here’s the average yearly cost of Travelers for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
What discounts does Travelers offer?
Save on your Travelers home insurance rates by qualifying for some of these policy discounts:
Multi-policy: If you have an auto insurance policy and three other policies with Travelers — such as umbrella, boat, or motorcycle insurance — in addition to your home insurance policy.
Protective devices: If your house has safety or security features like a burglar alarm, fire alarm, or fire sprinklers.
Loss-free: If you go an extended period of time — usually three to five years — without filing an insurance claim.
New homebuyer: If you purchased the home you’re insuring within 12 months of the policy’s effective date.
Green home: If you have a “green home” certification from the Leadership Energy and Environmental Design (LEED) organization.
Travelers home insurance state availability
Travelers homeowners insurance is available in 48 states and Washington DC, but it is not available in Florida or California.
What to expect with Travelers home insurance
How to get a quote: Travelers homeowners insurance quotes are available online through Policygenius or the Travelers website.
Customer service options: Travelers has several customer service options and points of contact depending on the type of help you need, including help with quotes, billing, claims, and roadside assistance. Its contact and frequently asked questions pages should be able to steer you in the right direction. If you still need assistance, you can call Travelers general inquiry line at 866-336-2077.
How to file a claim: Travelers gives you the option to file your claim online through its special claim center, allowing customers to file claims and upload relevant documents through its MyTravelers mobile app or website. Customers can also report a claim via Travelers’ 24/7 claims hotline at 800-252-4633, and can track the status of their claim at 800-252-4633.
How to cancel your policy: To cancel your policy, contact Travelers’s customer support team at the phone number provided above.
Travelers vs. other home insurance companies
Compare Travelers to similar homeowners insurance companies using the table below.
Frequently asked questions
Is Travelers owned by Geico?
No, Travelers is its own corporate entity separate from Geico. However, as an insurance broker, Geico partners with and sells insurance policies from several major insurers, including Travelers, Chubb, Liberty Mutual, and Homesite.
Is Travelers good about paying claims?
Travelers received a below-average score in J.D. Power’s 2022 Property Claims Satisfaction Study which, in addition to gauging customer satisfaction with their claim payout, also looked at claim servicing, first notice of loss, the estimation process, and the repair process. This ostensibly means that Travelers has some work to do when it comes to claims.
What is Travelers homeowners insurance phone number?
To get in touch with Travelers homeowners insurance customer service team, call 866-336-2077.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
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