THE GOOD

Access to multiple discounts:

Travelers home insurance provides a great selection of discounts, including a relatively unique discount for LEED-certified homes. Like most insurers in the industry, Travelers home insurance offers price breaks to homeowners who install protective devices in their homes, including burglar and fire alarms, deadbolts, and fire extinguishers. They also offer discounts for new homes, newly renovated homes, and new homeowners. If you maintain your policy without a claim for an agreed period of time, you can earn another price break. Further savings of up to 15% are available if you buy an additional Travelers policy in the home, auto, or boat categories. Depending on how many discounts you qualify for, you could be in for substantial savings.

Comprehensive additional coverage:

With Travelers' wide selection of add-on coverage options, you can get protection against natural disasters such as floods, earthquakes, and landslides. Travelers home insurance also offers full coverage for valuable personal items not typically included under standard policies, including jewelry, fine art, antiques, and computer equipment. For protection against liability claims arising from incidents on your property, Travelers umbrella coverage offers up to $10 million of protection, ensuring your assets are protected if you get sued. You can even get additional coverage that will pay expenses associated with identity fraud.

Ability to report a claim online:

Travelers homeowners insurance offers a handy online claims reporting tool, which you can access around the clock for maximum convenience. The simple four-step tool walks you through the reporting process from start to finish, automatically prompting you for all the required information. Once the process is complete, you are given a claim number and contact information for the personal claims representative that will oversee the settlement process. You can also access great FAQs that describe the claims settlement process in detail. While exceptionally convenient, online reporting may not be the right answer for everyone. Fortunately, if you prefer to get telephone assistance from a Travelers home insurance representative, you can call the claims center at any time, day or night.

Great resources to help you protect and maintain your home:

In addition to investing in an appropriate home insurance policy, it's important to further protect yourself and your family by preparing for risks in advance. The Travelers Prepare and Prevent online information center is a fantastic resource containing detailed guides on keeping your home in tip-top condition, preparing for severe weather conditions, and preventing burglaries. Travelers also provides a link to a useful home inventory app produced by the Insurance Information Institute. With this Know Your Stuff app, you build a digital inventory of your home and possessions to facilitate the claims process if you're ever faced with severe home damage or a burglary.

THE BAD

Missing coverage for some dwelling types:

Travelers home insurance offers coverage options for most dwelling types, including single-family homes, condos, and farms. However, mobile or older homes are not covered. Mobile home policies are quite common in the industry, so it's surprising they aren't offered by Travelers. On the other hand, standard policies for older homes are relatively uncommon.

No mobile app:

Travelers doesn't offer a mobile app for home insurance policyholders, which is surprising considering the company offers an auto insurance app that provides accident assistance and claims filing tools. Alternatively, Travelers maintains a mobile-friendly website, which offers access to a simple claims reporting form and some informational resources. You are also able to file a claim using the mobile website. However, a dedicated app would be more convenient for customers, particularly those who are heavy smartphone users and always on the road.

Can't purchase insurance online:

Travelers home insurance offers a capable online quote tool that compares favorably with many companies in the industry. Unfortunately, after completing the quotation process, you are unable to purchase your policy immediately with a credit card. Rather, your information is forwarded to a local Travelers home insurance agent who then assists you in finalizing your policy and arranging payment. This may be disappointing if you prefer to complete your purchase independently, but some may appreciate this type of personalized service and one-on-one contact with a live representative.

THE DETAILS

Details
AM Best FSR A+
AM Best ICR aa
Financial Size Category $2 billion or greater
FSR Outlook/Implication Stable
ICR Outlook/Implication Stable
Moodys Financial Strength Aa2
Standard and Poors FSR AA

FEATURES

Title
  • Condominium Insurance (HO6) The insurance provider offers HO6 coverage for condos.

  • Farm/Ranch You can buy insurance to protect your farm or ranch.

  • Rental Property Insurance You can buy insurance to protect your rental property.

  • Renters (HO4) The insurance provider offers renters insurance.

  • Special Form (HO3) The insurance provider offers HO3, open perils coverage.

  • Mobile Home You can buy insurance to protect your mobile home.

  • Older Homes (HO8) The insurance provider offers HO8 coverage for older homes.

  • Premier Policy (HO5) The insurance providers offers HO5 coverage that includes open perils coverage on personal property.

  • Age of Construction Discount Discounts based on the age of your home are available.

  • Claim-Free Discount You can receive a discount for remaining claim-free for a certain period of time.

  • Multiple-Policy Discount You can receive a discount for having multiple insurance policies with the same company.

  • Newly Purchased Home You can receive a discount if you recently purchased your home.

  • New/Renovated Home You can receive a discount if your home is new or recently renovated.

  • Protective Device Discount You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.

  • Age of Insured Discount Discounts based on the homeowner's age are available.

  • Aircraft Damage to your home caused by an aircraft is covered.

  • Explosion Damage to your home caused by an explosion is covered.

  • Fire Damage to your home caused by fire is covered.

  • Ice/Snow/Sleet Damage to your home caused by ice, snow, or sleet is covered.

  • Lightning Damage to your home caused by lightning is covered.

  • Plumbing Damage to your home caused by a frozen, burst, or damaged water pipe is covered.

  • Riot/Civil Commotion Damage to your home caused by a riot or civil commotion is covered.

  • Smoke Damage to your home caused by smoke is covered.

  • Theft The home insurance company covers any loss or damage to your home due to theft is covered.

  • Tornado Damage to your home caused by a tornado is covered.

  • Vandalism Damage to your home caused by vandalism is covered.

  • Water Damage to your home caused by water is covered.

  • Wildfire Damage to your home caused by a wildfire is covered.

  • Wind Damage to your home caused by wind is covered.

  • Dwelling Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.

  • Loss of Use If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.

  • Medical Payments Coverage for medical payments is available.

  • Nationwide Availability The insurance company is available in at least 48 states.

  • Other Structures Coverage for detached garages, sheds, or other structures on your property is available.

  • Personal Liability Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.

  • Personal Property The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.

  • Computer Coverage You can add computer coverage to your insurance as an additional policy or as an endorsement.

  • Earthquake Insurance You can add earthquake coverage to your insurance as an additional policy or as an endorsement.

  • Flood Insurance You can add flood coverage to your insurance as an additional policy or as an endorsement.

  • Identity Fraud Expenses You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.

  • Landslide Insurance You can add landslide coverage to your insurance as an additional policy or as an endorsement.

  • Personal Umbrella Policy You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.

  • Scheduled Personal Property You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.

  • Water Backup and Sump Overflow You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.

  • 24/7 Claims Center You can contact a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Deductibles Flexible deductibles are available.

  • Online Claim Filing You can file a claim online.

  • Online Photo Inventory You can upload images of your personal property to an online location to document your property and help facilitate the claims process.

  • Telephone Claim Filing You can file a claim via telephone.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Photo Upload You can upload photos of damaged property to assist with the claims process.

  • Locate an Agent A tool is available online to help you locate an agent.

  • Manage Your Policy You can manage your insurance policy online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Options Flexible payment terms over different periods of time are offered.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the home insurance company with questions through social media websites.

  • Live Chat You can contact the company through live chat.

  • A.M. Best Excellent or Better The company has an A.M. Best rating of "A" or better.

  • ICR Rating Stable The company has an A.M. Best Credit Rating rating of "Stable" or better.

  • Moody Rated Very Strong The company has a Moody's rating of "Aa3" or better.

  • S&P Rated Very Strong The company has an S&P FSR rating of "AA-" or better.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Glossary The company provides a glossary of common industry terms.

  • Blog The company provides a blog with relevant insurance information.

  • Forum The company provides an interactive forum where users can post questions and answers.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Video Tutorials The company provides video tutorials.

  • Mobile Website A mobile-specific website is available.

  • Android An Android app that allows you to access your home insurance policy is available.

  • Claim Details You can update your home insurance claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • iPhone An iPhone app that allows you to access your home insurance policy is available.

  • Pay Premium You can pay your premium through your mobile app.

  • Tablet A tablet-based app is available.

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