Travelers Homeowners Insurance Review 2024

Travelers offers decent coverage and discounts, but its home insurance isn’t available in all states.

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Written by Sarah Schlichter
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Travelers

4.5

NerdWallet rating 
Offers lots of coverage options, decent discounts and a strong online experience.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Travelers

4.5

NerdWallet rating 
Offers lots of coverage options, decent discounts and a strong online experience.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

Travelers home insurance review

4.5

NerdWallet rating 

Travelers homeowners insurance earned 4.5 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.

Where Travelers home insurance stands out

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.

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 home insurance falls short

Coverage for manufactured and mobile homes. Owners of these types of homes will need to find another insurer.

Why Travelers home insurance is worth a look

Travelers is an established insurer that offers solid coverage and customer service in most states, including options that may appeal to eco-conscious homeowners.
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State availability

Travelers currently offers 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.

Standard 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:

  • Dwelling. Pays to repair or rebuild the structure of your home.

  • Other structures. Covers damage to unattached structures such as sheds or fences.

  • Personal property. Pays to repair or replace personal belongings such as furniture or clothing.

  • Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

  • Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.

  • Medical payments. Covers injuries to guests in your home, regardless of fault.

Optional Travelers home insurance coverage

Beyond the standard 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.

What’s not covered by Travelers home insurance

Standard Travelers home insurance policies do not cover damage caused by:

  • Flooding.

  • Backed-up sewers or drains.

  • Wear and tear.

  • Neglect.

Optional coverage is available for some of these scenarios.

Travelers home insurance rates

NerdWallet compared Travelers’ average home insurance rates to those of other widely available insurers across the U.S. At $2,010 per year, on average, Travelers home insurance is more expensive than the national average of $1,915. Below are average rates for a few other major U.S. insurers.

Company

Average annual rate

$1,815

$1,935

$2,010

$2,205

$2,270

$2,415

$1,875

*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, rating system.

Take control of your insurance.
It's easy with your free NerdWallet account. Link and monitor your auto and property insurance policies and costs in one secure location. Get notified when it's time to renew or explore new options.

Consumer complaints

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.

What Reddit users say about Travelers

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.)

Questions from Reddit: Our experts answer

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 such as getting a new roof or cutting 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 are risk factors that could turn into potential claims and cost the company money. As long as it gives you the legal amount of notice required in your state, the company can decline to insure you if your home doesn’t meet its underwriting requirements. Learn more about home insurance non-renewals.

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 retain your coverage. Get more information about home insurance inspections.

Consumer experience

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.

Travelers home insurance vs. competitors

Travelers home insurance vs. Allstate

Insurer

Star rating

4.5

NerdWallet rating 

4.5

NerdWallet rating 

Policy highlight

Options that may appeal to eco-conscious homeowners.

National insurer with lots of ways to customize your policy.

Bottom line

Both insurers offer a wide range of options throughout the U.S., but Travelers may have an edge when it comes to customer service.

Travelers home insurance vs. Geico

Insurer

Star rating

4.5

NerdWallet rating 

Not rated.

Policy highlight

Offers strong coverage in most U.S. states.

Best for existing Geico customers looking to bundle their auto and home policies.

Bottom line

Travelers sells its own policies in most states. Meanwhile, Geico works with third parties, which means coverage and discounts may vary based on the insurer you're paired with.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.

In our research, we analyzed:

  • More than 270 million homeowners insurance rates.

  • More than 50 insurance companies.

  • Nearly 200 homeowner profiles.

Frequently asked questions

Yes, you are covered for theft of your belongings — not only when they’re in your home but also when they’re in your car or anywhere else you might take them, like a hotel room. Learn more about what your homeowners insurance policy covers.

No. To find companies that do, see NerdWallet’s guide to manufactured and mobile home insurance.

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.

Methodology

Homeowners insurance star 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.

Here’s how we weighted each category to come up with our list of the best home insurance companies:

  • Consumer complaints (30%).

  • Financial strength (30%).

  • Coverage (20%).

  • Consumer experience (10%).

  • Discounts (10%).

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 2021-2023. 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.

Homeowners insurance rates methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the U.S. 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.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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