Travelers has been helping Americans insure their belongings for over 160 years and offers coverage across all 50 states. The company also provides vehicle, travel, event, and umbrella policies depending on your needs and offers discounts when you bundle multiple policies. Where Travelers homeowners insurance stands out from the crowd is customization.
With Travelers, you may be able to tailor coverage to suit your needs with situation-specific add-ons, from green home coverage to jewelry protection and identity fraud protection, to popular endorsements like water backup and equipment breakdown. Independent benchmarks show a mixed service picture: customer satisfaction across large national brands has been under pressure, and Travelers’ rankings vary by region in the latest J.D. Power U.S. Home Insurance Study; regulatory complaint experience should be assessed using the NAIC Consumer Information Source (Complaint Index) by legal entity and line of business.
If you’re looking for customizable homeowners insurance backed by in-depth industry experience, Travelers could be a great fit. If top-tier customer service is your priority, other providers may better meet your needs. Be sure to check our best homeowners insurance companies page to learn about other insurance companies as well.
Travelers Overview
Travelers homeowners insurance is available in all 50 states. As of 2025, AM Best rates the core U.S. property/casualty insurance subsidiaries of Travelers (“Travelers Group”) A++ (Superior) with a Stable outlook — AM Best’s highest Financial Strength Rating — as reflected in the AM Best Newsroom and Travelers’ Investor Relations ratings page. On YouGov.com’s authority, Travelers is the 24th most popular insurance brand, and remains a widely recognized name.
The company has been accredited with the Better Business Bureau (BBB) since 2010 and has an A+ rating with the organization. However, based on customer reviews and complaints posted to the BBB site, overall star ratings skew low; individual experiences vary by product line and state. Many of the complaints are regarding Travelers’ auto insurance, but home insurance customers have complained about not being qualified for discounts, filing claims to the company, hidden fees, and increasing premiums.
PROS
CONS
Travelers Highlights
Methodology
We evaluated the company based on their customer rating and experience, financial stability, and coverage to determine Reviews.com score and create our Travelers Homeowners Insurance Review. To compare this company with home insurance companies across the board, we then compared each Reviews.com score based on the following:
- Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
- Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
The Competition
*All information accurate as of 07/29/2021.
Travelers vs. State Farm
When we compared Travelers to State Farm, we found that both companies offer a robust web experience for their customers. Although Travelers has a user-friendly website and an intuitive app, State Farm excels at educational resources for their customers and having a positive web experience.
In terms of customer service, Travelers got a J.D. Power score of 803/1,000, which is lower than State Farm’s 829/1,000. Both companies have low NAIC complaint index scores for their homeowners insurance products. Another thing that made Travelers stand out against State Farm is that it has more coverage options and discounts for properties.
Travelers vs. Liberty Mutual
While evaluating Travelers against Liberty Mutual, we liked that both companies have extensive discounts for their customers. However, Liberty Mutual offers unique discounts such as paperless statements and also offers insurance-to-value. Both companies offer optional coverages that could allow policyholders to customize their coverage and Liberty Mutual is one of our top picks for the best homeowner insurance companies.
Travelers edges out Liberty Mutual when it comes to customer service. The two companies’ J.D. Power scores are nearly identical, but the NAIC complaint index tells a much different story: Travelers has very few complaints, while Liberty has more than four times the national average number of complaints for its homeowners insurance. Travelers also has more financial stability than Liberty Mutual, with Travelers earning an A++ from AM Best, compared to Liberty’s A.
Travelers vs. Allstate
Both Travelers and Allstate offer customers extensive optional coverages to help build policies tailored to individual needs. Similarly, both companies offer a handful of discounts — Allstate features eight on its website, and Travelers features five. Allstate made our list of best home insurance companies because of these attributes.
Travelers has a slightly higher financial strength rating than Allstate, with an A++ (Superior) rating compared to Allstate’s A+ (Superior) rating. Customer service reviews are mixed. Allstate received a higher J.D. Power score than Travelers. Despite this, the NAIC recorded fewer complaints about Travelers than it recorded about Allstate. Based on its stronger financial strength and fewer NAIC complaints, Travelers edged out Allstate for a higher Reviews.com Score.
The Bottom Line
Travelers homeowners insurance offers the benefit of industry experience and customizable policies to help homeowners protect their property and enjoy peace of mind. The company doesn’t fare so well when it comes to customer service, however, scoring below average across claims satisfaction and overall service.
If customization and availability of ranges of discounts are your priorities, Travelers could be a good option for your home insurance policy. If excellent service is your insurance standard, you may want to consider a different home protection partner.
