Travelers Home Insurance Review: Ratings and Quotes (2025)

Travelers is the sixth-largest home insurance company in the U.S. by market share and is well-recognized in the insurance space.^[1] Beyond name recognition, Travelers offers a suite of home insurance add-ons to customize your policy.

With its green home discount of up to 5% and optional coverage that can help policyholders rebuild with green materials after a covered loss, Travelers may be an appealing option for eco-minded homeowners. But its rates aren’t the lowest available, so it’s a good idea to compare home insurance quotes from Travelers and several other insurers before making a choice.

Travelers home insurance at a glance

Travelers home insurance coverage options

Travelers’ homeowners policies include standard home insurance coverage options:

• Dwelling coverage: If a covered event damages your home, dwelling coverage helps pay for repairs or rebuilding costs.

• Personal property coverage: Personal property coverage helps pay for repairing or replacing personal items within your home — such as furniture, clothing, and electronics — damaged during a covered event. It also covers theft of property from your home or vehicle.

• Personal liability coverage: If you or someone in your household is responsible for injuring someone or damaging someone else’s property, personal liability coverage can pay for legal defense. This coverage applies whether the injury takes place on your property or elsewhere.

• Loss of use coverage: If a covered event damages your home and you need to move out of your house during the repair process, loss of use coverage helps pay for temporary living expenses.

• Other structures coverage: If you own other structures on your property — like a detached garage or shed — other structures coverage helps pay for repairs or replacement after a covered event.

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4.8/5

Optional Travelers home insurance coverages

In addition to the standard home insurance coverages available, Travelers offers a selection of optional coverages that you can add to your primary policy. These include:

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  Green home coverage

  If a covered event damages your home, this add-on helps cover the cost of making repairs or rebuilding with green materials.

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  Contents replacement cost

  After a damaging event, replacing your items might cost more than the actual cash value of the lost items. For example, your older couch worth $100 might cost $500 to replace with a similar couch today. This coverage helps pay for replacements based on the replacement costs.

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  Additional replacement cost protection coverage

  In some cases, the cost of repairs or rebuilding might exceed your policy’s dwelling coverage limit. Additional replacement cost protection provides extra funds to cover rebuilding costs after a covered loss.

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  Jewelry and valuable items

  Standard home insurance policies typically don’t cover high-value items like jewelry or collectibles. Instead, you’ll need to consider add-on coverage for particularly valuable items.

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  Water backup and sump-pump discharge overflow

  If water backs up into your house or overflows your sump pump, this optional add-on can cover the damage up to a pre-determined dollar amount. Importantly, this add-on doesn’t replace flood insurance.

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  Identity fraud

  If someone steals your identity, this add-on can cover up to $25,000 in expenses related to restoring your identity.

Availability of Travelers home insurance

Travelers offers homeowners insurance in every U.S. state except Florida, Alaska, Hawaii, and Louisiana. In some states, like California, you’ll need to work with an independent agent to get a Travelers home insurance quote.

Travelers home insurance cost

Travelers home insurance tends to fall in the middle of the cost range for average home insurance prices. For $300,000 in dwelling coverage, homeowners face an average annual cost of $2,213 with Travelers.

By comparison, State Farm has an average annual rate of $1,988 for the same dwelling coverage limit. And Farmers’ average is higher than Travelers, at $2,623 annually for $300,000 in dwelling coverage.

But the amount you’ll pay for coverage varies based on what level of coverage you need, where you live, and other rating factors.

Travelers average rates by dwelling coverage amount

Homeowners who need more dwelling coverage should expect to pay more in insurance premiums. The table below breaks down the average rates for Travelers home insurance policies by dwelling coverage amount.

Travelers average rates by state

Home insurance costs vary widely from state to state. Generally, home insurance is most affordable in Vermont, Alaska, and Hawaii. But homeowners in Florida, Louisiana, and Oklahoma face some of the highest rates in the country.

The table below breaks down average premiums for Travelers homeowners insurance by state.

How customers feel about Travelers home insurance

Travelers policyholders have a wide range of things to say. In terms of customer satisfaction, it seems like a mixed bag. Some had a positive experience, and some had a negative experience with customer service.

Although the company earned a below-average rating in the J.D. Power 2024 U.S. Home Insurance Study, its relatively low National Association of Insurance Commissioners (NAIC) Complaint Index rating indicates fewer customers complain than expected.

Overall, many customers seem to have a pleasant experience. But some customers report a bad experience with the company.

Travelers industry ratings

Multiple industry rating organizations assess insurance companies. Their ratings and rankings can help you compare insurance companies. For example, a company’s AM Best rating indicates its financial strength, while J.D. Power measures overall customer satisfaction.

The table below summarizes some of the most important industry ratings for Travelers.

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4.8/5

Travelers home insurance discounts

Home insurance discounts can bring your policy costs down. When you’re choosing a home insurance policy, it’s a good idea to ask about available discounts and how you might qualify for them.

Travelers offers a suite of discounts to consider, including:

• Homebuyer discount: Policyholders who purchased their home within the last 12 months may qualify for this discount.

• Loss-free discount: If you don’t file any claims within a specified time frame, you may qualify for this discount.

• Green home discount: Homes certified as green homes by the Leadership Energy and Environmental Design (LEED) organization might qualify for a 5% discount.^[2]

• Protective device discount: The right safety features, like a home security system or smart home technology, may lead to a discount.

Travelers insurance bundling options

Beyond the specific discount opportunities above, Travelers might offer you a discount for bundling insurance options. If you need to purchase a different type of insurance, like car insurance, purchasing both your home and auto insurance through Travelers could lead to a bundling discount.

Travelers offers a suite of insurance products, which makes bundling an easy way to save. Consider bundling your Travelers homeowners insurance policy with another Travelers product, such as boat insurance, umbrella coverage, landlord insurance, travel insurance, pet insurance, motorcycle insurance, and flood insurance.

How to file a home insurance claim with Travelers

If you need to file a claim with Travelers, here’s how to navigate the process:

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  1. Collect your information

  In order to streamline the claims process, gather your policy information, a description of the loss, and your contact information. Take pictures of the damage. If you have an inventory of your possessions, review it to document your losses.

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  2. Mitigate further damage

  If your home is in danger of more damage, do your best to stop further damage. For example, you might buy a tarp to cover any holes in your roof. As you complete any mitigation, make sure to save your receipts.

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  3. Report your claim

  You can file your claim online or over the phone. Travelers notes that policyholders can file simple claims quickly and easily online.^[3] Reach out to Travelers to report your claim as soon as possible.

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  4. Assist in a damage inspection

  A claim professional may need to visit the property to inspect the damage in person. In some cases, you’ll need to be there to show the inspector around the property.

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  5. Stay in touch with the agent

  The timeline for claim handling will vary. Throughout the process, promptly respond to any questions the agent might have.

Travelers vs. other insurance companies

Depending on where you live, you may have numerous options when choosing a home insurance policy. If you live in an area with a high risk of natural disasters, like damaging storms or earthquakes, your choice might be more limited. To find the cheapest home insurance option for your situation, you’ll need to compare home insurance quotes from multiple companies.

Here’s a closer look at how Travelers stacks up against some other major players in the industry.

Travelers vs. Allstate

Travelers and Allstate are both massive insurance companies. But Allstate is a larger insurance company than Travelers — it’s the second-largest U.S. home insurer by market share. Like Travelers, Allstate earned a below-average rating in the J.D. Power 2024 U.S. Home Insurance Study, but its score is still higher, at 631 points out of 1,000.

Travelers’ prices tend to be more expensive than Allstate’s, according to Insurify data. On average, Travelers policyholders pay $2,213 in annual premiums for $300,000 in dwelling coverage, compared to $1,999 with Allstate.

Allstate offers a few more home insurance discounts than Travelers, including a discount for automatic payments and early signups.

Travelers vs. Liberty Mutual

Liberty Mutual is slightly larger than Travelers, making it the fifth-largest insurance company in the U.S. Liberty Mutual ranked just below Travelers for customer satisfaction in the J.D. Power 2024 U.S. Home Insurance Study.

Liberty Mutual offers more discount opportunities than Travelers. For example, it offers discounts for being claims-free and for having a new roof.

Travelers home insurance FAQs