Travelers Home Insurance Review 2023: Is It Any Good?

Tailor-made policies make for premium protections.

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SecureScore™: 7.6 / 10 This rating is derived from our editorial team's research, hands-on product testing, and customer surveys.
Rob Gabriele
7.6 SecureScore™
Customer Service
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When it comes to your home, you want to make sure you’re protecting it as best you can. Some folks think that means installing alarm systems, doorbell cameras, and security cams — that if they can only prevent bad things from happening, they’ll be secure.

In reality, you’re never going to be able to predict and account for all threats. That’s why complete home protection involves all of the above and more. Your homeowners insurance should also be factored into the equation. Home insurance is home security when you need it most.

Unfortunately, most people view purchasing a policy as another box to check in the litany of paperwork that comes with securing a mortgage. Let me say this: That is one mistake you don’t want to make.

Pro Tip: I recommend getting at least five quotes before selecting a home insurance provider. Be sure to compare the coverages provided by each as well as the cost of the premium. One of the best places to start that process is our guide to the 10 best homeowners insurance providers of 2023.

I’ve spent a lot of time and energy analyzing the best — and the worst — home insurance companies to help you find the right one. Which brings us to why we’re both here today: to talk about Travelers. More specifically, we want to see if they’re worth considering in protecting your biggest investment.

Travelers logo

We’re going to get into all the finer details about this insurer, but before we do, let’s start with Travelers’ pros and cons.

  • Highly customizable plans
  • Lower-than-average official complaints
  • Simple online quote process
  • Great reputation
  • Bundling opportunities

  • Not available in all 50 states
  • Premiums can be a little pricey
  • Discounts are variable across states

So far, so good. The price might become a factor, but it may be forgivable given the nature of the protections. Before we get into all that, let’s make sure you’re eligible for coverage.

Where Can You Purchase a Travelers Policy?

Currently, Travelers homeowners insurance is available in 45 states as well as Washington, D.C. If you’re a resident of Alaska, Hawaii, Florida, Louisiana, or West Virginia, you should probably hop over to my review of Allstate. As the name implies, Allstate is available everywhere.

If you’re still with me, let’s press forward and talk about what a standard homeowners insurance policy from Travelers is going to cover.

Travelers Homeowners Insurance Standard Coverage

If you’re familiar with homeowners insurance, this list won’t be too surprising; it’s pretty standard for most major insurers. If you’re new to this, though, you might be surprised to find that homeowners insurance protects you from a lot more than just the occasional tree limb through your roof. Here’s what you’re going to be protecting through Travelers:

Dwelling: This is the coverage that protects your house proper. This portion of your policy protects you should anything happen to your home that requires major repair or reconstruction.

Pro Tip: You might think that you just need coverage for the purchase price of your home, but in today’s market, that’s not the case. You’ll want to be able to cover the amount it would cost to rebuild your home, so multiply your square footage by the local per-square-foot building costs.1

Auxiliary structures: This portion of your policy covers any detached structures on your property, like sheds, fences, and garages. Typically, it’s going to be 10 percent of your total dwelling coverage.2

Liability: Let’s say the Amazon delivery guy slips on the ice coming up your driveway and hurts his back. If he decides to sue, your liability coverage will protect you.

Medical payments: In the same vein, your medical protection will cover a portion of the delivery guy’s ambulance ride, medical bills, and care.

Personal property: This covers all the stuff inside your house. If your belongings are damaged in a major storm or stolen by a thief, you’re going to be reimbursed for their value.

Pro Tip: Pay attention to that last phrase: reimbursed for their value. That means what they are currently worth today. If your five-year-old laptop is stolen, you’re unlikely to get enough to replace it with a new one. That’s a different kind of coverage, which we’ll discuss below.

Additional living expenses: If the Big One rolls through and your house is damaged to the extent that it’s no longer inhabitable, this coverage will reimburse you for what you spent on lodging, food, and other necessary expenses for the period your home is being repaired.

All said, this is pretty standard coverage. Now that that’s out of the way, we can talk about the fun stuff.

Travelers Homeowners Insurance Additional Coverages

Similar to what I saw in my review of USAA, Travelers really stands out with its add-on coverages. By tacking these protections onto your standard policy, you can really make it your own and ensure you’re protected from anything life throws your way. Travelers’ additional coverages include:

Content replacement: Remember when I said that you’d be reimbursed for the value of your damaged or stolen property? With this protection, you’ll be given the amount required to buy brand-new items.

Additional replacement cost coverage: If the absolute worst happens and your house is completely demolished, this protection will ensure you’re able to rebuild, even if the cost exceeds your dwelling coverage limit.

Jewelry and valuables: If you own any items that are particularly valuable, like a diamond the size of your fist, this protection will raise your standard limit to cover its value.

Pro Tip: Pay attention to that last phrase:
reimbursed for their value. Make sure you’re familiar with what your policy will and won’t cover. If you’re confused, ask your agent. There’s nothing worse than realizing you won’t be reimbursed for grandma’s stolen broach.

Identity theft: This is a relatively new protection some providers are bundling with their homeowners insurance policies. In the event your identity is stolen — and trust me, it happens a lot3 — you’ll be reimbursed up to $25,000 to aid in recovery and legal fees.

Green home coverage: If your home is damaged and significant repairs are required, this rider will pay for you to make environmentally friendly choices regarding building materials.

So those are the major add-ons, but there are plenty of other opportunities to customize your coverage with Travelers. But that leads us to a big question: How much is this protection going to cost?

Travelers Homeowners Insurance Rates

Before we start talking dollars and cents, first a disclaimer: It’s very difficult to pin down an average homeowners insurance rate, regardless of provider. Premiums simply depend on too many factors.

Travelers' online quote process

Travelers’ online quote process is fast and easy.

That said, what I can do is give you the average cost for a standard policy, and you can use that to gauge whether or not Travelers might fit your particular budget. There’s more info on this in my guide to Travelers’ costs and services, but I’ll give you a quick rundown here.

To generate this quote, I used an average property in Atlanta worth about $350,000. Keep in mind, if your home is worth significantly more or less than this, or is in a different part of the country, your premium might differ significantly. Here’s what Travelers suggested for me.

Coverage for a $350,000 Home in Atlanta

Coverage Limit
Dwelling $280,000
Other Structures 10% of Dwelling
Personal Property 50% of Dwelling
Loss of Use 20% of Dwelling
Personal Liability $300,000
Medical Payments $2,000
All Peril Deductible $1,000
Additional Replacement Cost Protection 25% of Dwelling
Loss Assessment Coverage $5,000

All of this would cost me $114 per month, or $1,373 annually. That’s not terrible, and this is also their “better” coverage option, as opposed to their “basic” coverage option, which is only $106 per month. The main difference between the two is that additional protections on my personal property weren’t included in the latter.

That said, I felt their recommended coverage was just a little lacking. After customizing it to better suit my needs by boosting the dwelling limit to $350,000 as well as increasing the medical coverage and adding identity theft protection, my premium rose to $137 per month. Still, not too pricey, but definitely not the cheapest I’ve seen. That distinction goes to Allstate.

There are ways, though, to lower that premium without skimping on coverage. Let’s take a look at some of the savings you might be able to take advantage of through Travelers.

Travelers Homeowners Insurance Deals and Discounts

Claims-free discount: The longer you go without making a claim, the more you’ll be able to save on your premium.

New homeowner discount: If you bought your home within the past 12 months, you’re entitled to a discount on your premium.

Security and fire protection: If you install smoke detectors, sprinkler systems, home security systems, or other protective devices, you’re entitled to a discount.

Green discount: If your home is LEED-certified, you’ll automatically get 5 percent taken off your premium.

Multi-policy discount: If you purchase other types of protections through Travelers, you’ll save on your total bill.

Travelers bundle options

There are multiple bundle options available through Travelers

With bundling policies in mind, it should be noted that Travelers offers quite a few types of insurance. Let’s take a quick look at those.

Other Types of Coverages Available through Travelers

As a heavy-hitter in the insurance industry, it shouldn’t come as a surprise that Travelers offers a wide variety of protections for its customers. These include:

  • Auto
  • Renters
  • Condo
  • Boat
  • Landlord
  • Motorcycle
  • Travel
  • Pet
  • Wedding and Event
  • Valuable Items

And the list goes on. One thing missing from this list, though, is any type of life insurance. If you’re looking to protect your loved ones after you pass, you’ll need to find another provider.

And speaking of other providers, I always recommend that you shop around when selecting the homeowners insurance policy that’s best for you. Lucky for you, I’ve already done a lot of that legwork.

Travelers Homeowners Insurance vs. Competitors

The long and short of it is that Travelers holds up pretty well when you pit them against some of the other big names in the industry. Here’s what I found:

Travelers Competition

Travelers Geico Farmers Allstate State Farm
Available in All 50 States No Yes No Yes Yes
AM Best Rating A++ A++ A A+ A++
Bundle Discounts Yes Yes Yes Yes Yes
Affordability Expensive Affordable Expensive Affordable Moderate
Home Security System Discount Yes Yes Yes Yes Yes
BBB Rating Not Accredited A+ A+ Not Accredited Not Accredited
Green Incentives Yes No No Yes Yes

As you can see, Travelers’ offerings are pretty solid, and they score pretty highly with the ranking bureaus. Now that’s all well and good, but what about the customer experience?

Travelers’ Customer Service

For the most part, it looks like Travelers does a pretty decent job when it comes to customer service. On Consumer Affairs, the vast majority of the reviews were four and five stars, with a few outliers, of course. Michael from Phoenixville, Pennsylvania, had a particularly good experience with travelers. He said:

This year I made my first homeowner’s insurance claim in 30 years. The claim was for storm damage to the roof of my house. The insurance company sent out a representative to meet with the roofing company so that they could assess the damage together. The claim was handled quickly, thoroughly, and professionally. I was kept informed of each part of the process. Was impressed with the overall experience.

Anecdotal evidence aside, the National Association of Insurance Commissioners tracks official complaints against providers at state insurance boards. A rating of 1 is considered baseline, and Travelers currently has a 0.64. This means they have fewer complaints than would be expected, which is good news in my book.

Before we get to the final verdict, though, we should talk about one final thing: what it’s like to make a claim with Travelers.

Making a Claim With Travelers

From my research, I’d say it looks pretty simple. Travelers offers a great mobile app that you can link to your policies, you can file a claim online, or you can call 1-800-CLAIM-33. I always recommend speaking with an actual person, though. A professional will be able to assess your unique situation and tell you exactly what your next steps should be.

There are some universal things you should do, though, when you make a homeowners insurance claim. Make sure you document everything you can. Take photos, save receipts, and get all communications from contractors in writing. The more thorough you are, the faster you’ll be able to recover.

Did You Know: Security cameras are one of the best ways to deter crime. And since you know home security and home insurance go hand in hand, we’ve compiled a list of the best security cameras of 2023 for your review.

So there you have it — a comprehensive look at Travelers homeowners insurance. Now you know what they’ll cover, what they’ll cost, how you can save, and how they stack up against the competitors. That leaves one final question. Should you go with Travelers?

Where Travelers Hits the Mark

In a word, customizability. I liked that I was able to tweak my quote to my liking, and I really liked the features I could choose to add on to my policy.

Where Travelers Misses the Mark

I wasn’t super excited about the price tag. While their coverage is really good and tailored to my exact specifications, I’m pretty sure you find comparable protections for a little less if you’re willing to shop around.

Travelers Homeowners Insurance: The Final Word

In my estimation, Travelers is a solid option for most folks looking for homeowners insurance. Their protections are well-rounded, and you can definitely tweak things to your unique needs.

That said, their premiums might stretch your budget a little further than you’re comfortable with. Just keep that in mind when you’re shopping around.

Still a little confused about what all this means? No problem. Head over to my homeowners insurance buyers guide. There you’ll find everything you need to know to start making informed choices regarding coverage for your home.


Is Travelers homeowners insurance expensive?

While it’s not the most expensive provider out there, we’d say Travelers homeowners insurance premiums are a little north of affordable.

Is Travelers insurance good?

By most measures, Travelers is a very good insurance company. Their coverages are comprehensive, their customer service is stellar, and their finances are rock-solid.

How do I file a claim with Travelers?

You can file a claim online, using the Travelers insurance app, or by calling 1-800-CLAIM-33.

Does Travelers homeowners insurance offer any discounts?

Yes, Travelers offers customers several ways to save including no-claims discounts, green-home discounts, and policy-bundling discounts.

Is Travelers homeowners insurance available everywhere?

No, Travelers homeowners policies aren’t available to residents of Alaska, Hawaii, Florida, Louisiana, and West Virginia.

Citations only uses high-quality sources to support the facts within our articles. Read our editorial guidelines to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Insurance Information Institute. (2022). How much homeowners insurance do I need?

  2. IRMI. (2022). Other Structures.

  3. Experian. (2021). How Common Is Identity Theft?

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Written By
Rob Gabriele
Managing Editor & Home Security Expert

As Managing Editor for, Rob Gabriele has written and edited over 1,000 articles in home security. His expertise is in smart home automation and home protection with thousands of hours of testing and research under his belt. Formerly a reporter and producer for the USAToday network, Rob has been a writer and editor for over 10 years. He holds a Master’s of Science with an emphasis on writing from the University of Montana, and he currently lives in the Reno/Tahoe area of Nevada.