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Travelers Review

Travelers home insurance offers one of the best selections of add-on coverage options in the industry, a multitude of discount possibilities, and a bevy of educational resources for preventative home care. However, not all homeowners can take advantage of Travelers' benefits, as they do not offer coverage for certain types of dwellings. Get Quotes

Fletcher Wilson

Fletcher Wilson

Homeowners Insurance Expert

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Updated: March 19, 2014

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

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


Home Insurance Coverages

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  • 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.

Homeowner Discounts

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Perils Coverage

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Policy Coverage

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Additional Policy Protection

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Online Tools

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Payment Options

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Financial Strength

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Learning Materials

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