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Bottom line: Offers a solid slate of coverage, including an option to help you rebuild your home with environmentally friendly materials after a claim.
Consumer complaints: Fewer than expected.
Discounts: Average set of discounts.
Coverage options: More than average.
If you’re looking for a customizable homeowners policy from a reputable, well-established company, it might be worth checking out Travelers home insurance. Founded in 1864, Travelers sells homeowners policies in most U.S. states. You can contact an independent agent to walk you through your coverage needs, then manage your policy online with ease.
Travelers home insurance pros and cons
User-friendly features on website and app.
Doesn’t insure mobile or manufactured homes.
Discounts for eco-friendly homeowners.
Available in most U.S. states, plus Washington, D.C.
How Travelers home insurance rates
Travelers homeowners insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Travelers is among NerdWallet’s Best Homeowners Insurance Companies for 2022.
Travelers currently offers homeowners insurance in 45 states and Washington, D.C.
Travelers home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Beyond these basic types of coverage for your home and your belongings, Travelers offers the following add-ons:
Special personal property coverage. Standard personal property coverage pays out if your belongings are stolen or damaged due to disasters listed in your policy. This add-on broadens your coverage to pay out for damage from any disaster, unless it’s specifically excluded in your policy.
Contents replacement cost. If your belongings are stolen or destroyed, Travelers will reimburse you with enough money to buy brand-new replacements, rather than lowering your payout for older items based on depreciation.
Additional replacement cost coverage. This provides extra funds if your home is destroyed and the cost to rebuild it is more than your dwelling coverage limit.
Extra coverage for jewelry and valuables. You can raise your coverage limits for certain valuable items or put them on a separate policy if the standard homeowners policy doesn’t provide sufficient coverage.
Water backup and sump pump discharge or overflow. This rider adds coverage if drains, sewer lines or sump pumps back up and cause water damage to your home.
Identity fraud. With this coverage, Travelers may reimburse you up to $25,000 if your personal information is stolen and used fraudulently.
Green home coverage. This rider pays for you to use environmentally friendly materials when repairing or rebuilding your home after a covered claim.
Those looking to save money on their homeowners insurance may be able to take advantage of the following discounts:
Multipolicy discount for bundling more than one type of coverage.
Claims-free discount to reward those with clean claims records.
Discount for those who’ve bought their home within the previous 12 months.
Discount for installing smoke detectors, fire alarms, interior sprinkler systems, home security systems or other protective devices.
Discount up to 5% for having a LEED-certified “green home” as determined by the U.S. Green Building Council.
Travelers had fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Website: Travelers’ site makes it easy to manage your policy, starting with an online quote. You can use the site to learn about homeowners insurance, find an agent, pay your bill, update your policy, and submit and track claims. You can also live chat with an agent on weekdays from 7 a.m. to 6 p.m. ET, a feature that isn’t yet available on the app.
App: Travelers has mobile apps for both iOS and Android devices. On the app, you can view policy information, pay bills, report claims and set up autopay.
Homeowners insurance buying guide
You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:
Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.
Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.
Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
How to file a homeowners insurance claim
File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.
Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.
Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.
For more information, see how to file a homeowners insurance claim.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.