Travelers
- Useful website features.
- Covers improvements you’ve made to your place.
- Ranks below average for consumer satisfaction in the latest J.D. Power home insurance study.
About Travelers renters insurance
Travelers renters insurance earned 4.6 out of 5 stars for overall performance. It offers a range of discounts, a user-friendly website and policies available in most states. Founded in 1864, Travelers is a solid option to cover an apartment or rental home.
Based on this star rating, Travelers is among NerdWallet’s Best Renters Insurance Companies.
Best for: Renters looking for reliable coverage from a well-established national brand.
Not ideal for: People in Alaska, Florida, Hawaii, Louisiana or West Virginia. Travelers doesn’t sell renters insurance in these states.
Where Travelers stands out
Website features. You can handle a lot of self-service tasks on the Travelers website. But if you need help, you can chat live with a company representative.
Housing improvements coverage. Travelers automatically includes coverage for upgrades you’ve made to your place.
Where Travelers falls short
Customer satisfaction. Travelers ranked slightly below average for customer satisfaction in J.D. Power’s latest Home Insurance Study.
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What Travelers renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Besides the standard coverage above, Travelers renters insurance also includes housing improvements coverage. So if your landlord has let you make upgrades to your unit, Travelers will cover them in case of theft or disaster. The default limit is 10% of your personal property limit, but you can buy more coverage.
Optional coverage
Optional coverage you can add to your policy includes:
Replacement cost value. If your belongings are stolen or destroyed, Travelers will reimburse enough for you to buy brand-new replacements. Without this upgrade, Travelers would pay only the current cash value of the items.
Valuable items coverage. A standard policy may not fully cover pricey belongings such as an engagement ring or musical instrument, so you can add extra coverage. Travelers doesn't require a professional appraisal.
Identity theft coverage. Travelers will reimburse up to $25,000 if someone steals your identity. You can use it to pay for legal fees, lost wages and other expenses.
» MORE: The cheapest renters insurance
Travelers renters insurance rates
Travelers renters insurance costs an average of $155 per year, or about $13 per month, according to NerdWallet’s rate analysis. That’s just a little higher than the national average of $151 per year. See how Traveler’s average stacks up against those of other major insurers below.
Company | Average annual rate |
|---|---|
$110 | |
$118 | |
$143 | |
$155 | |
$193 | |
$202 | |
USAA* | $146 |
*USAA renters insurance is available to active military, veterans, some federal workers and their families. | |
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Discounts
You may be able to earn a discount by:
Buying more than one Travelers policy.
Going without a claim for a certain amount of time.
Having protective devices in your home, such as sprinkler or home security systems.
If you own a car, consider bundling your auto and renters insurance policies with the same company. In some cases, the discount you get on your auto insurance could be enough to pay for the renters policy outright. See the best renters and auto insurance bundles.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Travelers scores highly on this measure, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: Travelers renters insurance ranked slightly below average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
» MORE: Travelers home insurance review
Where Travelers renters insurance is available
Travelers offers renters insurance in 45 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: The MyTravelers section of the website makes it easy to manage your policy online. There, you can pay your bill, file and track claims, and chat during business hours with a Travelers representative. Elsewhere on the site, you can browse basic information about how renters insurance works.
App: The Travelers mobile app has a variety of handy features. Users can pay bills, set up autopay and report claims. It’s available for iOS and Android.
Claims: You can file a claim on the website, through the app or by phone at 800-252-4633. To track the status of your claim, log in to your MyTravelers account.
Customer service: Travelers offers 24/7 support at 888-564-5043.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Frequently asked questions
What disasters does Travelers renters insurance cover?
What disasters does Travelers renters insurance cover?
A Travelers renters policy will cover your belongings for disasters such as fire, smoke, wind, hail and lightning. It will also cover theft or vandalism.
Can my roommate and I share a Travelers renters policy?
Can my roommate and I share a Travelers renters policy?
Travelers recommends that unrelated roommates each have their own renters insurance. Married couples, committed partners and family members can share a policy. Read more about the pros and cons of sharing renters insurance with roommates.
What other types of insurance does Travelers offer?
What other types of insurance does Travelers offer?
Travelers sells numerous policies including car, homeowners, condo, umbrella and boat insurance. See NerdWallet’s Travelers auto insurance review.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. 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 renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. 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.
