If you’re looking for a customizable homeowners policy from a reputable, well-established company, Travelers home insurance may be a good bet. Founded in 1864, Travelers sells homeowners policies in most U.S. states. You can manage your Travelers policy online or work with an independent agent to talk through the coverage you need.
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 2021.
Travelers home insurance state availability
Travelers currently offers homeowners insurance in 44 states and Washington, D.C.
Travelers home insurance coverage
Beyond the typical coverage for the structure of your home and your belongings, Travelers offers the following add-ons to your policy:
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 so your policy will pay out for damage from any disaster not specifically excluded.
Contents replacement cost. This ensures that if your belongings are stolen or destroyed, Travelers will reimburse you enough to buy brand-new replacements rather than lowering your payout for older items based on depreciation.
Additional replacement cost coverage. If your home is destroyed and the cost to rebuild it is more than your dwelling coverage limit, this coverage provides additional funds.
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.
Travelers home insurance discounts
Those looking to save money on their homeowners insurance may be able to take advantage of the following discounts:
- Multipolicy discount.
- Claims-free discount.
- Discount for those who’ve bought their home within the previous 12 months.
- Discount for 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 home insurance complaints
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.)
Travelers home insurance consumer experience
Website: Travelers’ site makes it easy to manage your policy, starting with an online quote. You can also use the site to learn about homeowners insurance, find an agent, pay your bill, update your policy and submit and track claims. A live chat feature is available during business hours.
App: Travelers’ mobile app, accessible on iOS and Android, lets you view policy information, pay bills, report claims and set up autopay.
Travelers homeowners insurance FAQ
Does Travelers homeowners insurance cover theft?
Yes, your belongings are covered in case of theft, not only from your home but also from anywhere else you might take them. Learn more about what’s covered and what’s not on your homeowners insurance policy.
Does Travelers insurance cover mobile homes?
No. To find companies that do, see NerdWallet’s guide to mobile home insurance.
What other types of insurance does Travelers offer?
Travelers sells car, renters, condo, umbrella and boat insurance, among others. See NerdWallet’s Travelers auto insurance review.