Founded in 1864, Travelers is one of the oldest U.S. insurers and offers renters (HO-4) policies in most states. Recent independent quote studies place typical Travelers renters premiums in the high-teens per month — about $18–$21 for standard coverage — with actual prices varying by state, limits, and deductible (NerdWallet; Forbes Advisor; U.S. News; ValuePenguin). For context, recent analyses estimate the national average renters premium around $18 per month (ValuePenguin). Travelers’ core U.S. property-casualty subsidiaries carry an A++ (Superior) Financial Strength Rating from A.M. Best, signaling the highest category of claim-paying ability (Travelers – Financial Strength; AM Best Ratings Center).
Travelers Renters Insurance Overview
On consumer perception, YouGov.com tracks Travelers’ popularity and fame among U.S. adults, while industry scale data show Travelers remains a top 10 U.S. P&C group by direct premiums written (NAIC 2024 Market Share Report). Investors materials also cite third‑party rankings placing Travelers as the No. 1 U.S. commercial lines writer by statutory premiums (number one writer).
Financial strength is a core Travelers advantage: its principal property-casualty subsidiaries are rated A++ (Superior) by A.M. Best, indicating the highest category of ability to meet ongoing insurance obligations (AM Best Ratings Center; Travelers – Financial Strength).
Availability is broad across the U.S., and you can quote and purchase online or through independent agents. Eligibility, discounts, and pricing vary by state and coverage selections (Travelers renters insurance).
PROS
CONS
Travelers Highlights
Methodology
For this Travelers renters insurance review, we emphasized current pricing benchmarks, financial stability, customer experience, and coverage options using recent, citable sources.
- Pricing benchmarks: We compared recent quote studies that place Travelers’ typical renters premiums around $18–$21/month and referenced the latest national average context (about $18/month). Sources: NerdWallet, Forbes Advisor, U.S. News, ValuePenguin, and ValuePenguin (national average).
- Customer satisfaction context: We used J.D. Power’s 2024 U.S. Auto Insurance Study, 2024 U.S. Auto Claims Satisfaction Study, and 2024 U.S. Home Insurance Study for market-wide trends; brand-level Travelers scores require subscriber access.
- Complaint ratios: We cited analyses of NAIC complaint data indicating Travelers’ auto insurance generates fewer complaints than expected for its size (Forbes Advisor). For official regulator resources, see the NAIC.
- Financial strength: We verified Travelers’ A++ (Superior) A.M. Best Financial Strength Rating via the AM Best Ratings Center and Travelers’ Financial Strength page.
The Competition
| Company | Estimated pricing context | AM Best Financial Strength Rating | J.D. Power 2024–2025 studies (market context) | NAIC Customer Complaints |
| Travelers Renters Insurance | Typically high-teens per month (~$18–$21) based on recent quote studies (see sources in review) | A++ | Included in studies; satisfaction pressured industry-wide | Analyses indicate auto line draws fewer complaints than expected (see Forbes Advisor); renters varies by entity/state |
| Geico | Advertises renters from $12 per month; actual rates vary | A++ | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| Allstate | Varies by state and coverage | A+ | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| State Farm | States an average renters premium of $15 per month | A++ | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| American Family | Varies by state and coverage | A | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| Nationwide | Varies by state and coverage | A+ | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| Farmers | Varies by state and coverage | A | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
| USAA | Varies by state and coverage; eligibility restrictions apply | A++ | Included in market studies; results vary by region | Use NAIC Consumer tools to review by state/line |
*Information reflects the latest sources cited in this review.
Travelers vs. Geico
Geico tends to be more prominent in consumer popularity rankings among U.S. insurance brands (YouGov). On price, Geico advertises renters policies starting at $12 per month, while recent analyses place Travelers’ typical quotes in the high-teens per month (about $18–$21 on average) depending on state, limits and deductible (NerdWallet; Forbes Advisor).
Travelers vs. State Farm
State Farm is among the most recognized consumer insurance brands on YouGov. Travelers’ average renters pricing generally lands near the national market average (high-teens per month), while State Farm notes its average renters premium is $15 per month for the assumptions it discloses. In J.D. Power’s recent study cycle, satisfaction across the property and auto categories has been pressured industry‑wide; detailed brand scores are available in the full reports (J.D. Power 2025 U.S. Auto Insurance Study).
The Bottom Line
Travelers is a strong, financially secure option for renters insurance, generally priced near the national average with a robust set of optional endorsements (e.g., replacement cost, scheduled valuables). Multi‑policy and protective‑device discounts can help lower premiums, and quoting online is straightforward (Travelers).
Service signals are mixed-to-positive: J.D. Power’s 2024 studies highlight broad satisfaction challenges across personal lines, while analyses of regulator complaints show Travelers’ auto insurance draws fewer complaints than expected for its size (J.D. Power; Forbes Advisor). Experiences can vary by state and product line.
If you live in a building with monitored security or other protective devices (e.g., central‑station alarms, smoke detectors), you may qualify for discounts. There isn’t a universal gated community discount—savings are typically tied to verifiable devices and programs rather than gates/guards alone (Bankrate).
