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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 and then manage your policy online with ease.
Travelers home insurance star rating
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 2023.
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 sheds or fences.
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 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 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 your house certified as a “green home” by the U.S. Green Building Council's Leadership in Energy and Environmental Design, or LEED, rating system.
Travelers had fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.
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, contact your agent, pay your bill, update your policy and submit and track claims.
App: Travelers has mobile apps compatible with iOS and Android devices. On the app, you can view policy information, pay bills, report claims and set up autopay.
Claims: You can file a claim online, through the Travelers app or by phone at 800-252-4633. For help, see how to file a home insurance claim.
Customer service: You can contact Travelers 24/7 at 866-336-2077. You can also live chat with an agent from 7 a.m. to 6 p.m. ET weekdays, a feature that isn’t yet available on the app.
Where Travelers stands out
Options for eco-conscious homeowners. With Travelers’ green home coverage, you can make sure your home is repaired with environmentally friendly materials. And if your home is already a certified green home, you can get a discount.
Customer service. Travelers offers a variety of ways to get help, including agents, a customer service line and a live chat. Its low volume of customer complaints suggests that many homeowners are satisfied.
Where Travelers falls short
Coverage for manufactured and mobile homes. Owners of these types of homes will need to find another insurer.
Travelers vs. competitors
Travelers vs. Allstate home insurance
Travelers and Allstate are two of the biggest insurers in the U.S. and offer a range of coverage options for homeowners. One difference between them is that Travelers draws fewer consumer complaints to state regulators than expected for a company of its size, while Allstate draws more. That suggests Travelers may have an edge when it comes to keeping its policyholders happy.
Both companies have websites with lots of useful self-service features, including online quotes, payments and claim filing. But Allstate and Travelers also have agents who can offer more personalized service if you need it.
Learn more in our Allstate home insurance review.
Travelers vs. Geico home insurance
The primary difference between Travelers and Geico home insurance is that Travelers sells its own policies while Geico works with third parties. If you call a Geico agent or visit its website for a quote, the company will match you with another insurance provider to get coverage. If you need to file a claim, you’ll have to contact the other insurer.
Travelers and Geico offer a discount if you bundle home and auto insurance. You may also be able to save with either company if you have certain safety or security devices in your home. But Geico’s discount and coverage options may vary based on which insurer the company pairs you with.
Get more details by checking out our Geico home insurance review.
Is Travelers home insurance right for you?
Travelers is an established insurer with solid coverage and customer service, making it an option worth considering for many homeowners across the U.S. Eco-conscious homeowners, especially those in LEED-certified homes, may be especially interested.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Hippo: Digital-first insurance that comes with free smart-home technology in many states.
Lemonade: May be a good fit for tech-savvy homeowners who want part of their premium to go to charity.
Liberty Mutual: Large nationwide insurer that offers many discounts.
Progressive: Serves as a broker to sell homeowners policies through third parties.
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, coverage, discounts and online experience. 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 full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.