Travelers Home Insurance Review

In this Travelers home insurance review we cover both the company and product. Find out how their homeowners insurance product works.

By Licensed Agent:  Sa El  PublishedMay 24, 2025 UpdatedMay 28, 2025

Our Verdict 4.7 / 5.0

Travelers home insurance provides the certainty and protection you need for your home or condo and comes with more coverage options than competing providers. You can pick and choose which features and add-ons you want based on your budget and preferences.

Who Is Travelers?

The Travelers Companies Inc., also known as Travelers, is one of the world's largest insurance providers. The company is known for commercial property casual and personal insurance, though they also offer business, homeowners, bond, and specialty insurance.

The public traded organization started in 1853 to serve people in Minnesota but has expanded to multi-national status. Travelers Insurance handles more than $110 billion in assets and produces $31 billion in annual revenue.

AM Best gave Travelers an A++ for Financial Strength Rating and an AA+ for Long-Term Issuer Credit Ratings. Moody's, Standard & Poor's, and Fitch each gave them an AA or Aa2.

Travelers home insurance is competitively priced, coming in slightly below the average home insurance premium. The company offers discounts for installing smart technology and safety devices. Bundling your auto and home policies saves an additional 15%.

Travelers Homeowners Insurance Benefits (At A Glance):

  • Personal liability
  • Dwelling
  • Other structures
  • Additional replacement cost protection
  • Personal property
  • Water backup
  • Loss of use
  • Green homes
  • Special personal property
  • Content replacement
  • High-value items
  • Identity fraud
  • Personal articles floater

Travelers Homeowners Insurance Pros And Cons

Pros

  • Multiple premium discounts
  • Below-average premium prices
  • Flexible policy coverage
  • Eco-friendly incentives
  • Outstanding credit ratings

Cons

  • Below-average customer satisfaction ratings
  • No replacement cost buffers in the coverage
  • Lackluster mobile app

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What Makes Travelers Different?

Travelers home insurance comes with several potential discounts for protective devices and multi-policy bundling.

The standout incentive is the green home discount. Travelers gives policyholders a 5% discount if their home meets the Leadership Energy & Environmental Design organization's standards.

They define green home improvements as any addition that improves the conservation of natural resources, water, and energy.

The products should also minimize pollutions and overall environmental impact.

These improvements let policyholders make a difference in the face of a global climate crisis while lowering their energy bills.

Travelers also pays policyholders to make eco-friendly upgrades, offering up to $25,000 toward recycling debris and $1,000 toward recertifying a dwelling after a property loss.

There is an additional 10% discount to repair or rebuild with green materials following a loss.

Features And Benefits Of Travelers Home Insurance

Policy Price

Home insurance premiums vary from state to state.  For instance, homeowners in Oklahoma and Kansas pay the highest prices due to tornado risks, while people in Hawaii pay a tenth of the cost. The average American homeowner pays $2,305.

Factors Travelers uses to determine premiums:

  • Number of mortgages
  • Square footage
  • Claims in the previous seven years
  • Driving history
  • Number of bathrooms
  • Heating and cooling system
  • Home’s age
  • Credit score
  • Roof and siding quality
  • Special features, such as a shed or swimming pool

Travelers average annual premium is $1709, which outpaces competitors like Liberty Mutual and Farmers, but is far from the lowest price.

State Farm leads the way at $1,501 per premium. Some other, more cost-effective options include Allstate and Lemonade.

Add-Ons

Travelers caters to eco-conscious consumers with its green home protection add-on, but it's not the only add-on homeowners have at their disposal.

Travelers covers water damage, identity fraud, and special property.

The jewelry and valuable items add-on marks another marquee feature. Most standard home insurance policies don’t cover high-value items, like artwork and musical instruments.

The add-on ensures you get extra protection without an appraisal.

Customer Service

Customer service remains an integral part of the insurance process.

While Travelers excels in many areas, client satisfaction is not one of them. According to J.D. Power’s 2019 U.S. Home Insurance Study.

Travelers scored 796 in customer satisfaction, which is 20 points below the national average.The average insurance provider rating was 799, so Travelers sits near the 50th percentile.

Amica Mutual scored the highest at 845, with five-star ratings in all but one category.

Other insurance companies that excel in customer satisfaction include Allstate and the Auto Club of Southern California Insurance Group.

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Travelers Home Insurance Availability

Travelers home insurance is available to homeowners in all 50 states, including Washington, D.C., and Puerto Rico.

There are no restrictions based on property size, value, or owner. Travelers lets applicants submit policies online 24 hours a day, seven days a week.

Claims Process and Guarantee

Travelers makes filing a claim accessible by desktop, phone, mobile, and local agent. You can visit the Travelers website or call (88) 252-4633 to get started.

Make sure you know the approximate incident date and details.

A claims agent will walk you through each step, so you receive compensation swiftly.

After you file, you can check your claim status and find local contractors on the Travelers website. It also has resources in case you’re unsure whether to file a claim.

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Taking Action

Travelers home insurance offers slightly above average policies for homeowners. Some of its winning features include protecting high-value items, providing fast quotes, and incentivizing green home improvement. However, travelers falls short in other areas, including customer satisfaction and payment processing.

While Travelers covers the basics, you should still look around and compare multiple options by clicking any of the buttons above.


ABOUT THE AUTHOR

Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.