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Travelers Home Insurance Review (2023)

Founded in 1864, Travelers is an established insurance company providing homeowners policies among many other products in 45 US states. Travelers is known for affordable premiums and has received many positive reviews from its customers.

Read Time: 11 mins

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Premiums 5
Claims 4
Customer Satisfaction 4
Financial Standing 5
  • Lower premiums than average.
  • Very strong financial rating.
  • Tons of resources available to homeowners.
  • Almost national reach.
  • "Green" home discount.
  • Customer service is average to below average.
  • Lack of number of discounts available.
  • Not available in five states.
  • No coverage offered for mobile and manufactured homeowners.

Travelers Insurance is an insurance company that provides a number of different coverages, but when it comes to homeowners’ insurance, they provide good coverage to homeowners in most U.S. states., but not all states.

Travelers provides customizable home insurance for many people around the country. The company has been around since its founding in 1864. Travelers is a very reputable company with a good track record over all of its years of business.

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With over 160 years in the business, Travelers has undergone several changes. Travelers started the business with a two-cent premium. Over the years, the company has evolved to be an insurance provider that employs 30,000 employees in over five countries. On top of that, Travelers also employ 13,500 independent agents and brokers in the US, Ireland, Brazil, Canada, and the UK.

In 2004, Travelers merged with the St. Paul Fire and Marie Insurance Company to form the Travelers Companies, Inc. Travelers is known to pioneer several programs and put a priority on their research programs. They established their own weather research center along with an insurance school. Travelers also introduced coverage options for electronic data processing and identity fraud expense reimbursement.

Travelers provide special attention to features that offer convenience to their clients. In 1968, they used an RV called the CAT Van as a mobile claim office for easier processing of claims. They also have the Office for Consumer Information that answers any queries regarding issues on insurance.

States Travelers offers home insurance in

Travelers insurance currently offers home insurance in 45 of the 50 states and Washington D.C. The five states that Travelers currently doesn’t serve are:

  1. Alaska
  2. Hawaii
  3. Louisiana
  4. Florida
  5. West Virginia

For homeowners in the above five states, you will have to look elsewhere for coverage, but for homeowners in the other states, Travelers can be a great option for you.

Travelers home insurance coverages

Travelers offers standard home insurance policies as well as numerous ways to customize policies. Standard home insurance policies include a few different sections of coverage with varying limits of coverage.

The standard policy sections include:

  • Dwelling: protection for damage that occurs to the structure of the home or any attached structures.
  • Other structures: coverage from damage to any structures on the property not attached to the home.
  • Personal property: protection to repair or replace personal belongings such as furniture or electronics.
  • Loss of use: coverage for additional living expenses incurred while the home is being repaired or rebuilt to make it habitable again.
  • Personal liability: protection for any lawsuits that might arise from injuries or damages to others where the homeowner is found to be at fault.
  • Medical payments to others: coverage for injuries that may occur to a guest on the property no matter who is found to be at fault.

Additional home insurance coverages

Travelers offer a number of coverages that homeowners can add on to their standard policy. These add-on coverages include:

  • Replacement cost coverage for personal belongings: This protection increases the coverage for personal property, by not taking into account depreciation in the value of the belongings over time as is done in the standard actual cash value coverage for this section.
  • Extended replacement cost coverage: This protection increases the replacement cost coverage to a percentage greater than the determined replacement cost coverage for the dwelling in the standard policy. It may increase it to 125% or 150% of the original number.
  • Jewelry and valuables coverage: This protection increases the coverage limit for items such as jewelry and valuable items that may be well above the coverage limit stated in the policy.
  • Water backup coverage: This protection covers damage caused by back ups of the sump pump or sewer system.
  • Identity theft: This protection will reimburse you for expenses incurred in trying to recover your identity from thieves.
  • Green coverage: This protection will provide funds to be used for environmentally friendly materials when rebuilding or repairing a home.

This is not necessarily an extensive list of the additional coverages that Travelers offers, but the above are some of the most commonly implemented add-ons.

Other types of policies offered by Travelers

As it relates to homeowners insurance, Travelers offers insurance coverage for condos, renters, and landlords. Important to note though is that home insurance coverage for mobile and manufactured homes is not offered by Travelers. Something that is a major drawback, compared to other insurers.

Travelers also offers umbrella insurance, which can come in handy for those with very valuable assets or homes that are $500,000 plus. You can also obtain flood insurance through Travelers, who offers coverage through the National Flood Insurance Program.

Coverage limits

It could not be determined what the maximum amount of dwelling coverage offered by Travelers is, but it seems as if their limit can be quite high. The limits of the other sections of coverage are percentages of the dwelling coverage limit in any particular policy. Travelers sets these percentages at 10% for other structures, 50% for personal property, and 20% for loss of use, but you may be able to negotiate a different percentage. The personal liability section usually has a minimum coverage limit of at least $100,000 and the medical payments section has a minimum limit of at least $1,000, but homeowners have the ability to opt for higher coverage limits.

Discounts with Travelers

Travelers offers numerous discounts to those looking to purchase homeowners insurance. Some of the most common discounts include:

  • Multipolicy (bundling): having more than one policy with Travelers can lead to a discount.
  • Claims-free: discount for homeowners who have not filed a claim.
  • New homeowner: discount for those who have purchased their home within the last year.
  • Preventative measures: discount for installing smoke detectors, security systems, and other safety measures.
  • Green home: discount for having a LEED-certified home.
  • Early quote: discount of up to 10% for shopping early for a policy.

This is not necessarily an exhaustive list of all the discounts that Travelers offer. Discounts vary by state according to Travelers.

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Travelers home insurance premiums

Travelers is one of the better insurance companies when it comes to premium cost for a home insurance policy. According to PolicyGenius, Travelers’ national average premium cost is $1,568 per year for a dwelling coverage limit of $300,000, which is the most common level of coverage in the country. This premium cost is significantly cheaper than the national average for all insurance companies, which sits at about $1,889 per year.

That means Travelers average cost is about 17% cheaper than the national average. The average premiums at higher and lower amounts of coverage are still cheaper than the average for all home insurance companies, but it is not as much of a difference as at the $300,000 level.


The reviews for policyholders who have filed claims with Travelers were a bit mixed with some positive and some negative. Many customers have had a great experience with the claims process while others have had terrible experiences. Compared to other companies it seems as if their claims process is slightly worse than others, but it is made up for in overall satisfaction. Middle-of-the-road rating for them when it comes to claims.

Customer satisfaction

Customer satisfaction of Travelers is slightly above average. According to NAIC, Travelers has had almost half the number of complaints compared to other companies of its size. This gives the company a better rating. They still have some work to do to bolster their score, but overall people are generally happy as policyholders with Travelers.

Financial strength

Travelers is one of the most financially strong insurance companies in the country. If damage occurs to your home via a peril covered in your policy, Travelers has the money to pay the claim without any issue. Travelers is one of only a handful of insurance companies to have an A++ rating from AM Best, AA from S&P, and Aa2 from Moody’s. While not the highest ratings that can be obtained with each of those companies, those are the second-highest ratings and the highest that any insurance provider have obtained.

Frequently asked questions

Is Travelers a good homeowners insurance provider?

Travelers is a good homeowners insurance provider for some customers, but not for others. It has a wide range of coverage options and add-ons, competitive rates and discounts, high financial strength, and low customer complaints. However, it also has average customer satisfaction, limited discounts, no coverage in California and Florida, and possible dog breed restrictions.

How do I file a claim with Travelers homeowners insurance?

You can file a claim with Travelers homeowners insurance online, by phone, or through the mobile app. You will need to provide your policy number, contact information, and details about the loss. You can also track the status of your claim online or through the app. Travelers claims that it has a fast and easy claims process and that it will assign a dedicated claims specialist to handle your claim.

How do I cancel my Travelers home insurance policy?

You can cancel your Travelers home insurance policy by contacting your agent or calling Travelers customer service at 1-800-842-5075. You will need to provide your policy number, effective date of cancellation, and reason for cancellation. You may also need to provide proof of new insurance if you are switching to another insurer. You may be entitled to a refund of any unused premium if you cancel before your policy expires

What is Travelers insurance NAIC company code?

The Travelers Insurance NAIC number is the five-digit code assigned by the National Association of Insurance Commissioners (NAIC) to identify an insurance company and track its performance across states. The main Travelers NAIC number is 25658, which belongs to the Travelers Indemnity Company. However, Travelers has several affiliate companies that have their own NAIC numbers, such as:

• The Travelers Casualty Company: 41769
• Travelers Casualty & Surety Company: 19038
• Travelers Casualty & Surety Company of America: 31194
• Travelers Casualty Company of CT: 36170
• Travelers Casualty Insurance Company of America: 19046
• Travelers Commercial Casualty Company: 40282
• Travelers Commercial Insurance Company: 36137
• Travelers Constitution State Insurance Company: 41750
• Travelers Excess & Surplus Lines Company: 29696
• Travelers Home & Matine Insurance Company: 27998
• Travelers Indemnity Company of America: 25666
• Travelers Indemnity Company of CT: 25682
• Travelers Lloyds Insurance Company: 41262
• Travelers Lloyds of TX Insurance Company: 41564
• Travelers Personal Insurance Company: 38130
• Travelers Personal Security Insurance Company: 36145
• Travelers Property Casualty Company of America: 25674
• Travelers Property Casualty Insurance Company: 36161
• Travelers Protective Association of America: 5600623

You can find the NAIC number that applies to your specific policy on your insurance card or by visiting the NAIC website and searching for the company name. You may need the NAIC number to file a claim, report fraud or check the financial strength and customer satisfaction ratings of the company.


Travelers is one of the best home insurance companies out there. For homeowners in the 45 states that Travelers offers coverage in, they should look into getting coverage through Travelers. The stellar financial strength of the company can make the claims process a little easier for homeowners. The drastically lower amount of customer complaints compared to other companies of its size shows that Travelers is taking care of their customers properly.

According to customer reviews, the biggest drawback to the company is the lack of discounts available, albeit the discounts Travelers do have are on the generous side. The other downside is that owners of mobile and manufactured homes do not have the ability to get coverage through the company, sending that large number of homeowners elsewhere.

Travelers has the advantage of serving almost every state in the country. This means that they have a lot of support staff that are able to help customers along with a fairly easy-to-use website and tons of helpful information on that website.

Owners of eco-friendly or LEED-certified homes will particularly want to take a look at coverage with Travelers as Travelers provides a unique discount for “green” friendly homes. The discount can be quite generous as well.

The final advantage of obtaining home insurance coverage through Travelers Insurance is that the premium cost is lower than average. Homeowners can get high-quality coverage from a company that has a strong financial backstop and many resources available. While no insurance company is perfect, Travelers is one of the best comparatively speaking.

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Kyle has extensive background in financial planning and financial writing. He is an expert in home, auto and life insurance. Kyle holds a Bachelor's degree in Business Administration from San Diego State University and multiple financial planning designations.
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