$30K personal property coverage
$175 /year
$15 /month
Travelers renters insurance is good coverage from a well-established company, though it may cost a little more than average.
Coverage
About average
Discounts
Great set of discounts
NAIC complaints
Fewer than expected
About Travelers renters insurance
Travelers renters insurance earned 4.5 out of 5 stars in our analysis. Founded in 1864, Travelers is a solid option to cover an apartment or rental home. It offers a range of discounts, a user-friendly website and policies available in most states.
You can handle a lot of self-service tasks on the Travelers website and app, such as filing claims. But if you need help, you can chat live with a company representative.
Travelers’ policies automatically include coverage for upgrades you’ve made to your place. Extra coverage is available for things like identity theft and valuable jewelry.
However, Travelers ranked below average for customer satisfaction in JD Power’s latest Home Insurance Study.
Based on its 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.
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What Travelers renters insurance covers
Travelers renters insurance covers your stuff in case of theft, fire or other issues. It can also cover your liability if someone gets hurt in your home or your dog bites someone at the park. If you can’t live at home after a covered claim, your policy can pay for a hotel stay, too. Learn more about what renters insurance covers.
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 Travelers renters insurance 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.
What’s not covered
Travelers renters insurance typically won’t cover:
Flood damage.
Earthquake damage.
Wear and tear.
Damage you cause on purpose.
» MORE: The cheapest renters insurance
Travelers renters insurance rates
Travelers renters insurance costs an average of $175 per year, or about $15 per month, according to NerdWallet’s rate analysis. That’s a little higher than the national average of $165 per year. See how Traveler’s average stacks up against those of other major insurers below.
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
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.
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.
Consumer 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.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: Travelers renters insurance ranked below average for customer satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
Online tools
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 contact your agent. Elsewhere on the site, you can browse basic information about how renters insurance works.
Mobile 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.
How to file a claim with Travelers
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.
How to contact Travelers customer service
Phone: Travelers offers 24/7 support at 888-564-5043.
Email: You can email Travelers using a form on the company’s contact page.
Live chat: Representatives are available on weekdays for live chat through your MyTravelers login.
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Other Travelers products
NerdWallet's reviews of other Travelers insurance products can help you find the right coverage for your needs:
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
A Travelers renters policy can cover disasters such as fire, smoke, wind, hail and lightning. It will also cover theft or vandalism.
Travelers recommends that unrelated roommates each have their own renters policy. Married couples and family members can share a policy. Read more about the pros and cons of sharing renters insurance with roommates.
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.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
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 quality. 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 2023 through 2025. 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.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
