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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

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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. The company fares less well when it comes to customer service, scoring below-average for claims satisfaction and above-average in total complaints.

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

In business since:
J.D. Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
AM Best Financial Strength Rating: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
States served:
50 states

Travelers homeowners insurance is available in all 50 states, and according to AM Best, the company’ Financial Strength Rating is A++. On YouGov.com’s authority, Travelers is the 24th most popular insurance brand, with 71% of people being familiar with the company. 

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, Travelers has 1.13 out of 5 stars. 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.


  • Mutlitple coverage options: Travelers policyholders might be able to customize their policies with options like special personal property, water backup coverage, and green home coverage.
  • Wide range of discounts: You may be able to save money with the variety of deals and discounts that this company offers, such as protective device discounts, green home discounts, loss-free discounts, and home buyer discounts.
  • National homeowners insurance coverage: Travelers home insurance is available nationwide.


  • Inconsistent customer satisfaction: J.D. Power and the Better Business Bureau ratings indicate a high rate of customer complaints, while NAIC has better rankings, showcasing a hit-or-miss experience.
  • You might have to call to complete the purchase: For those that prefer doing everything online, this could be a roadblock, as you might need to contact an agent to complete your purchase.
  • Hidden fees and rising premiums: Many complaints about Travelers revolved around surprise fees on policies, including raised premiums.

Travelers Highlights

Customer Experience
Deals, discounts, and add-ons

Travelers home insurance 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 (depending on your state). While the quote will vary significantly across home types and policy coverage needs, Travelers does have a reputation for competitive rates offering and discounts for customers. However, getting quotes for multiple providers for the same coverage might help you to see who offers the best deal.

Standard insurance policies from Travelers homeowners insurance are HO-3 forms, the most common coverage, which covers damage to homes from any peril not specifically excluded, but only covers your personal property from the perils specifically named in your policy. . The policy also typically protects visitors if they are injured on your property and covers loss of use in the case your home is no longer habitable.

Travelers also offer add-on coverages, such as special personal property, content replacement cost, jewelry and valuable items, personal articles floater, water backup and sump pump overflow, identity fraud, and green home protection. If you are wondering how to estimate the homeowners insurance for you, check out our guide.

The overall Travelers homeowners customer experience is hit or miss. While the site contains great educational resources to help homeowners figure out their coverage needs, the company scores 803/1,000 on the J.D. Power 2020 Home Insurance Study, which is below average. Still, the company has fewer complaints than average on homeowners customer satisfaction according to the NAIC.

If customers 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 account to view current policy details. Travelers’ mobile app is user-friendly and allows you to file claims, make payments, access virtual ID cards and manage your policy directly.

Homeowners may have access to a variety of discounts and deals from Travelers. For example, purchasing a car insurance policy from Travelers in addition to homeowners coverage could save you 12%, on average, and you can save up to 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.


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

Reviews.com Score
AM Best Financial Strength Rating
J.D. Power 2020 Score
NAIC Customer Complaints
Fewer complaints than average
State Farm
Fewer complaints than average
Liberty Mutual
More complaints than average
More complaints than average

*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.

Travelers Homeowners Insurance FAQ

About the Authors

Cate Deventer

Cate Deventer Insurance Editor

Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

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