Best budget-friendly homeowners insurance 2025
Travelers
- User-friendly website.
- Coverage and discounts for eco-friendly homeowners.
- Doesn’t insure mobile or manufactured homes.
- Poorly rated Android app.
About Travelers home insurance
Travelers homeowners insurance earned 4.4 out of 5 stars for overall performance.
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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Where Travelers home insurance stands out
User-friendly website. You can use the Travelers site to get quotes, file claims and chat with a live agent, among other functions.
Options for eco-conscious homeowners. With Travelers’ green home coverage, you can make sure your home is repaired with environmentally friendly materials. If your home is already a certified green home, you can get a discount.
Where Travelers home insurance falls short
Coverage for manufactured and mobile homes. Owners of these types of homes will need to find another insurer.
Android app. Though Travelers’ iPhone app is highly rated, reviewers report bugs on the Android version.
- Find the best home insurance in your state
What Travelers home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Optional Travelers home insurance coverage
Beyond the standard coverage, Travelers offers the following add-ons:
Special personal property coverage. Homeowners insurance usually pays out if your belongings are stolen or damaged due to disasters listed in your policy. This add-on broadens your coverage to pay for damage from any disaster — unless it’s specifically excluded in your policy.
Contents replacement cost coverage. If your belongings are stolen or destroyed, Travelers will pay enough money to buy new ones rather than lowering your payout for older items that have lost value over time.
Extended replacement cost coverage. This provides extra funds if your home is destroyed and the cost to rebuild is more than your dwelling coverage limit.
Extra coverage for jewelry and valuables. You can raise your coverage limits for valuable items or put them on a separate policy if the standard homeowners policy doesn’t provide enough coverage.
Water backup coverage. This rider adds coverage if drains, sewer lines or sump pumps back up and damage 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 eco-friendly materials when repairing or rebuilding your home after a covered claim.
What’s not covered
Standard Travelers home insurance policies don't cover damage caused by:
Backed-up sewers or drains.
Wear and tear.
Neglect.
Optional coverage is available for some of these scenarios.
More Nerdy Perspective
Even if you don’t live in a Special Flood Hazard Area as designated by the federal government, your home might still be at risk for flooding. (FEMA maps are often outdated and may not capture the possibility of flooding due to heavy rainfall.) Consider checking your flood risk at FirstStreet.org, which provides maps of flood and other climate risks. Enter your home address in the top left of the website to see your flood risk on a scale of 1 to 10.
Where Travelers home insurance is available
Travelers sells homeowners insurance in 45 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Travelers home insurance rates
NerdWallet compared Travelers’ average home insurance rates to those of other widely available insurers across the U.S. At $2,055 per year, on average, Travelers home insurance costs slightly less than the national average of $2,110. Below are average rates for a few other major U.S. insurers.
Company | Average annual rate |
|---|---|
$2,055 | |
$2,170 | |
$2,185 | |
$2,380 | |
$2,600 | |
$2,610 | |
USAA* | $1,790 |
*USAA homeowners insurance is available only to active-duty military members, veterans and their families. | |
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your rates will be different.
Discounts
Those looking to save money on their homeowners insurance may be able to save by:
Bundling more than one type of coverage.
Having a clean claims record.
Buying a home within the previous 12 months.
Installing smoke detectors, fire alarms, interior sprinkler systems, home security systems, smart-home technology or other protective devices.
Having your house certified as a “green home” by the U.S. Green Building Council's Leadership in Energy and Environmental Design, or LEED, organization.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.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.
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.
Third-party ratings: Travelers scored below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study. It also fell below average in J.D. Power’s 2025 Property Claims Satisfaction Study.
- What Reddit users say about Travelers home insurance
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reddit comments about Travelers are a mixed bag. While many posters say the company is a solid option for homeowners insurance, there are plenty of complaints, too. Some people report problems with claims, while others say the company jacked up their rates or refused to renew their policies. Several posters share that Travelers required them to trim trees, replace their roof or make other fixes in order to keep their coverage. (For more on this topic, see how home insurers are using aerial imagery of people’s houses to drop policies.)
How to file a claim with Travelers
You can file a claim online, through the Travelers app or by phone at 800-252-4633.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Travelers customer service
Phone: You can contact Travelers 24/7 at 888-564-5043.
Email: There’s an email form available on Travelers’ main contact page.
Live chat: Logged-in policyholders can chat with an agent Monday through Friday.
Online tools
Website: Travelers’ site makes it easy to manage your policy, with online quotes available in many locations. You can use the site to learn about homeowners insurance, contact your agent, pay your bill, update your policy, and submit and track claims.
Mobile app: Travelers has mobile apps compatible with iOS and Android devices, though the Android version has poor ratings. On the app, you can view policy information, pay bills, report claims and set up autopay.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does Travelers homeowners insurance cover theft?
Does Travelers homeowners insurance cover theft?
Yes, you're covered for theft of your belongings. Your coverage applies not only when your stuff is at home but also when it's in other places, such as a car or hotel room. Learn more about what your homeowners insurance policy covers.
Does Travelers insurance cover mobile homes?
Does Travelers insurance cover mobile homes?
No. To find companies that do, see NerdWallet’s guide to manufactured and mobile home insurance.
What other types of insurance does Travelers offer?
What other types of insurance does Travelers offer?
Travelers sells a range of policies, including car, renters, condo, umbrella, boat, travel, pet and landlord insurance. Check out NerdWallet’s Travelers auto insurance review and Travelers renters insurance review for more details.
Can Travelers drop my policy if I don’t fix my home?
Can Travelers drop my policy if I don’t fix my home?
Insurers like Travelers may threaten not to renew your homeowners policy if you don’t take certain measures. For example, they may say you need to get a new roof or cut back trees that overhang the house. This is legal — and increasingly common.
To an insurance company, things like older roofs and debris in your yard could turn into claims that cost the company money. As long as it gives you the legal amount of notice required in your state, the company can decide not to renew your policy. Learn more about home insurance non-renewals.
Can Travelers do an inspection of my home at any time?
Can Travelers do an inspection of my home at any time?
Inspections are most common when you first buy a policy, but insurance companies may conduct them at other times. They’re generally looking to make sure your home is in good shape and matches the details provided in your policy application. If the inspector spots problems, you may be required to fix them if you want to keep your coverage. Get more information about home insurance inspections.
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. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2025 U.S. Property Claims Satisfaction. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
