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Last updated on May 28, 2020

Travelers Homeowners Insurance Review

Travelers is a well-established company with customizable insurance policies, but below-average customer service ratings. ​
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  • Affordable pricing for home insurance coverage
  • Customizable coverage policies
  • Discounted rates with multiple policies
  • Below-average customer satisfaction scores

How We Reviewed Travelers Homeowners Insurance

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7 competitors considered

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4 features evaluated

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5 ratings analyzed

Travelers has been helping Americans insure their homes for more than 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. You can easily customize coverage to suit your needs with situation-specific add-ons, from green home coverage to jewelry protection and identity fraud protection. The company fares less well when it comes to customer service, scoring below-average ranking for claims satisfaction and above-average in total complaints.

If you’re looking for customizable homeowners insurance backed by in-depth industry experience, Travelers is 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.


  • National homeowners insurance coverage
  • Multiple coverage options
  • Discounts available for policy bundles and green homes


  • Below-average claims satisfaction

The Home Insurance Factors We Analyzed


Travelers uses an in-depth online application to generate policy quotes based on where you live, if you’ve recently moved, what type of house you live in, including square footage, siding type, heating system, year built, and any “green” features such as solar panels, along with your credit score. While your quote will vary significantly across home types and policy coverage needs, Travelers does have a reputation for competitive rates. Best bet? Get quotes for multiple providers for the same coverage to see who offers the best deal.

Customer experience

The overall Travelers customer experience is hit or miss. For example, while the site contains great educational resources to help homeowners figure out their coverage needs, the company scores 872/1000—below the industry average of 881—on the J.D. Power 2020 Property Claims Satisfaction Study and it has more complaints than average according to the NAIC.

If homeowners need support, they can reach out to Travelers by phone, check out the company’s in-depth online FAQ section, or log in to their Travelers account to view current policy details.


Standard insurance policies from Travelers are HO-3, which cover damage to homes and properties from perils including fire, windstorms, hail, lightning, and vandalism. Policies include coverage if visitors are injured on your property along with “loss of use” if your home is no longer habitable. Available coverage options also protect specific assets, which typically assign value based on the replacement cost of the item minus its current depreciation.

Travelers also offers add-on coverage, such as:

  • Special personal property
  • Content replacement cost
  • Jewelry and valuable items
  • Personal articles floater
  • Water backup and sump pump overflow
  • Identity fraud
  • Green home protection

Deals, discounts, and add-ons

Homeowners can access a variety of discounts and deals from Travelers. For example, purchasing a car insurance policy from Travelers in addition to homeowners coverage comes with 15% savings, and you can save 5% if your home is LEED-certified green. The company also offers a new homebuyers discount for customers who purchased their home in the last 12 months, along with discounts for homeowners who haven’t experienced a home loss within a specified time period. 

Travelers Overview: Financial Strength, Availability, and History

Travelers homeowners insurance is available in all 50 states, and the company has an AA S&P Financial Strength Rating. The company has been accredited with the Better Business Bureau (BBB) since 2010 and enjoys an A+ rating with the organization. Worth noting? Travelers has 1 out of 5 stars based on customer reviews and complaints.

  • In business since: 1853
  • S&P Financial Strength Rating: AA
  • Moody’s Financial Strength Rating: Aa2
  • AM Best Financial Strength Rating: A++
  • States served: 50

The Competition

 AM Best Financial Strength Rating J.D. Power 2019 U.S. Home Insurance Study Score J.D. Power 2019 U.S. Property Claims Satisfaction Study Score  NAIC Customer Complaints
TravelersA++2/5N/AMore complaints than average
AllstateA+3/53/5Fewer complaints than average
AmicaA+5/55/5Fewer complaints than average
GeicoA++N/AN/AClose to no complaints

How We Evaluated Travelers Homeowners Insurance

Factors evaluated include the providers financial strength as indicated by organizations such as AM Best and Standard & Poors, customer service ratings and support, as well as average premiums.

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 reliability and customization are your priorities, Travelers can get you where you’re going. If great service is your insurance standard, you may want to consider a different home protection partner.

Travelers Homeowners Insurance FAQ

What other property insurance does Travelers offer?

Travelers also offers business insurance to cover specific property and general liability risks, along with condo, renters, and landlord insurance. Bundling multiple coverage types can help reduce your total premium cost.

How much home insurance do I need?

While there’s no specific amount of insurance required, combining the value of your home and any personal possessions provides a solid coverage baseline. Check out our Homeowners Insurance FAQ for more information about striking a balance between protection and premium price.

Where is Travelers homeowners insurance available?

Travelers offers coverage for homeowners across all 50 states.

How does Travelers underwrite its home insurance policies?

Given its history and reputation for reliability, Travelers chooses to underwrite all of its policies in house.

What does Travelers home insurance typically cover?

Typical homeowners insurance from Travelers covers your primary dwelling, other structures such as garages, personal property inside your home, and loss of use. Personal liability is also covered in case of a third-party injury. The company also offers a variety of add-on coverage options for green homes, identity fraud, special personal property, and water backup or sump pump overflows.

About the Authors

Doug Bonderud is an award-winning freelance writer with the unique ability to translate complex financial concepts into approachable, actionable content that both captures reader interest and delivers key brand messaging.