Travelers Home Insurance Review

James G. Batterson founded Travelers in Hartford, Connecticut, in 1864, offering accident insurance with two-cent premiums.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
4.2 / 5.0
SimpleScore Travelers 4.2
Discounts 5
Coverage Options 5
Customer Satisfaction 2
Support 4
Accessibility 5

Throughout the following century, Travelers expanded its portfolio to include aircraft, automobile, electronic data and life insurance. Today, Travelers employs 30,000 people and sells business and individual insurance products throughout Canada, Ireland, the United Kingdom and the United States.

Travelers homeowners insurance offers substantial discounts and customizable coverage with more add-on options than some companies in the market. With strong financial standing and more than 150 years of experience, Travelers sells home insurance policies nationwide and provides customers 24/7 claims support.

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    In this article

      Travelers Home Insurance Overview

      PriceVaries by home, location and coverage
      Best forThose who value customization and extra coverage options
      Not forThose in need of superior customer service
      States served50, plus Puerto Rico and Washington, D.C.
      DiscountsMulti-policy, home buyer, loss free, protective device, green home
      A.M. Best RatingA++ (Superior)
      Standout featuresGreen home coverage

      The Claim

      Travelers Insurance boasts that its aim is “protecting your house and what makes it a home.” The provider offers a variety of policy options and packages to help meet your unique needs and provides you peace of mind through a simple and stress-free claims process.

      Is it True?

      In J.D. Power’s 2019 U.S. Home Insurance Study, Travelers ranked 15th, with an overall customer satisfaction score of 796 out of 1,000 points, which is below the 816 average. Power rated Travelers above average in claims handling, customer interaction and price, but gave the carrier lower marks in the billing process and policy offerings categories.

      In our review, we found Traveler’s standard policies to be average. Standard policies touch all the bases – with dwelling, other structures, loss of use, personal liability and personal property coverage – but they lack the special features that some other providers offer in standard packages, like replacement cost coverage. However, we’re impressed with Travelers’ optional coverages, particularly the green home coverage, which gives policyholders an incentive to repair or rebuild their homes using environmentally friendly materials.

      Our Deep Dive

      Travelers home insurance coverage

      • Dwelling coverage: Dwelling coverage pays to repair or reconstruct your property following a covered loss. Covered perils may include falling objects, fire, theft, vandalism and weather.
      • Other Structures Coverage: If a fire or storm destroys detached structures, like a fence or shed, other structures coverage can help pay to rebuild them.
      • Personal Property Coverage: Personal property coverage reimburses you when personal items, such as clothing or furniture, are damaged or destroyed. Travelers limits the amount it will pay for certain types of belongings, like jewelry and sports equipment. However, you can purchase optional scheduled personal property coverage for your most expensive items.
      • Loss of use coverage: When you’re displaced from your home following a disaster, costs add up. But Travelers loss of use coverage can help pay expenses such as hotel bills, meals, pet boarding and transportation fares. Travelers pays loss of use claims up to 30% of your dwelling coverage limit. So, if you carry $200,000 in dwelling coverage, Travelers will pay up to $60,000 in loss of use expenses.
      • Personal liability coverage: Travelers’ personal liability coverage starts at $100,000, with medical payments coverage starting at $1,000. However, you can increase these limits if you need more coverage. This type of coverage can save the day if someone sues you due to an accident in your home.

      Travelers’ standard homeowners policies don’t cover damages caused by earthquakes or floods.

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        Additional Coverage Options

        One of the areas that makes Travelers homeowner insurance stand out among competitors is its additional coverage options:

        • Special personal property coverage: This selection helps cover your personal property in more situations than your standard homeowners policy covers. For instance, if you drop and destroy your cellphone at work, your special personal property coverage may pay to replace it.
        • Contents replacement cost coverage: Standard Travelers home insurance only pays actual cash value for items such as computers and TVs. But contents replacement cost coverage doesn’t deduct for depreciation, allowing you to replace your damaged belongings at today’s prices.
        • Additional replacement cost protection coverage: If your dwelling coverage doesn’t pay enough to repair or rebuild your home, additional replacement cost protection coverage can fill the gap.
        • Jewelry and valuable items: Standard personal property limits don’t usually provide enough protection for your most valuable belongings, like artwork and jewelry. But you can increase their limits with jewelry and valuable items coverage.
        • Personal Articles Floater: Floater coverage provides even higher levels of coverage for your most valuable belongings.
        • Identity Fraud: When thieves steal your personal information to commit crimes, Travelers’ identity fraud coverage will reimburse you for up to $25,000 in identity theft restoration expenses. Covered expenses may include attorneys fees, lost wages and travel expenses.
        • Green Home Coverage: Green home coverage gives you the resources to repair, replace or rebuild with green materials after a covered loss. For example, if a storm destroys your roof, you may decide to use green home coverage to help pay for solar energy shingles.
        • Water backup and sump pump discharge or overflow coverage: Travelers’ standard home insurance policies don’t cover damages caused by backed-up sewage or sinks. But with optional water backup and sump pump discharge or overflow coverage, you can rest easy knowing your policy will handle some of the messiest disasters.

        Travelers also provides a 24/7 claims center and frequently sends a team to help affected customers during disaster aftermath.

        Travelers discount options

        Travelers offers a few discounts to help you reduce your home insurance premium, including:

        • Multi-policy discount: If you bundle a homeowners policy with Travelers auto insurance or another type of policy, you can save up to 15%
        • Home buyer discount: This discount is open to policyholders who have purchased a home within 12 months of their policy’s effective date
        • Loss-free discount: If you have not experienced a loss within the stipulated time frame, you could receive a discount
        • Protective device discount: When you install protective devices in your home, like fire alarms, home security systems and smoke detectors, you could earn a discount
        • Green home discount: Earn up to a 5% discount for owning a LEED-certified green home

        Travelers Home Insurance Rates

        Travelers’ online quote tool guides you through your home’s details and collects your personal information to produce a quote in minutes. The app calculates your quote based on:

        • Your credit-based insurance score
        • Your home’s age
        • Number of mortgages
        • Your home’s square footage
        • Foundation type
        • Losses in the last 7 years
        • Driving history and amount of liability insurance chosen for car insurance
        • Type of heating system
        • Number of bathrooms
        • Number of stories
        • Your home’s proximity to a fire hydrant
        • Type and shape of roof
        • Last year roof was replaced
        • Type of siding
        • Whether or not your home has solar panels
        • Type and size of garage, if any
        • Special features such as a swimming pool

        Should you purchase a policy, Travelers also reserves the right to order additional consumer reports, such as loss history, in order to update or renew your insurance. 

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          The Competition

          Travelers home insurance earned a score of 796 in J.D. Power’s 2019 U.S. Home Insurance Study, below the 816 average. Power categorizes the survey’s overall customer satisfaction scores as follows:

          Among the best: 838-845
          Better than most: 826-843
          About average: 799-816
          Among the rest: 747-796

          Top performers included:

          Amica Mutual (845)
          For the last 18 years, Amica Mutual’s homeowners insurance has ranked #1 in the J.D. Power survey, earning five out of five stars in all but one ratings category. Amica outpaces all its competitors with its Platinum Home Choice package, an optional plan that includes all standard coverage, along with loads of add-ons, like business property, credit card, computer and valuable items coverage.

          Auto Club of Southern California Insurance Group (833)
          Auto Club of Southern California Insurance Group, also known as AAA, extends a 5% discount for all its homeowners policyholders who join the AAA motor club. AAA home insurance customers can also take advantage of the provider’s home security service, which features 24/7 monitoring and up to 70 smart home devices.

          AllState (814)
          Allstate homeowners customers have loads of ways to reduce their rates, with early signing, protective devices and smoke-free home discounts. Policyholders who consistently renew their policies can receive a 10% discount each year. And Allstate extends a special discount to seniors 55 years of age and older, as well as retirees.

          Farmers (808)
          Farmers stands out with its claims forgiveness program. If you don’t file a claim for five consecutive years, Farmers won’t increase your premium when you do need to file one. Farmers policies also feature a declining deductible, which rewards you with a $50 deductible reduction every year you renew your policy.

          What Others Are Saying

          The Better Business Bureau gives Travelers Insurance an A+ rating. In the last three years, around 385 Travelers customers have lodged complaints with the BBB, most related to product and service issues.

          Forbes has honored Travelers Insurance’s parent company with spots in its Global 2000, Best Employers for Diversity, Best Employers for New Grads, Best Employers for Women and America’s Best Employers lists. Travelers also holds the #106 spot on the Fortune 500 list.

          In April 2020, Travelers announced its Stay-at-Home Auto Premium Credit Program, which offers its auto insurance policyholders a two month, 15% premium credit as part of their COVID-19 crisis response.



          The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
          For every review, our editorial team:

          • Identifies five measurable aspects to compare across each brand
          • Determines the rating criteria for each aspect score
          • Averages the five aspect scores to produce a single SimpleScore

          Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

          Why do some brands have different SimpleScores on different pages?

          To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

          However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


          We looked at the number of discounts each company offers – more discounts mean a higher score.

          Coverage Options

          We awarded higher scores to the companies that offer more coverage options.


          We awarded higher scores to companies with the most channels for customer support.

          Customer Satisfaction

          We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


          We looked at the level of accessibility of each company – the more resources they have the higher their score

          Reviewed by

          • Aylea Wilkins
            Aylea Wilkins
            Insurance Editor

            Aylea Wilkins is an editor specializing in insurance for The Simple Dollar. After getting a degree in European studies and editing from Brigham Young University, she worked as a writer and editor for a variety of small websites before transitioning to the insurance field.