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Travelers Home Insurance Review (2022)

In this Travelers homeowners insurance review, we examine the company’s coverage, cost, and reputation to help you determine whether the provider is right for you.

Traditional home kitchen with white cabinets. iStock

In This Review: Our Take | Pros & Cons | Plans & Coverage | Availability | Cost | Reviews | Comparison | FAQs | Conclusion

Purchasing a home is a huge financial undertaking, and as rewarding as it is, it can be fairly risky. It’s key that homeowners protect their most valuable asset with a home insurance policy to safeguard their home and personal belongings in the event of specific perils or burglary.

Choosing the best home insurance company can be tricky, as you’ll need to evaluate coverage, costs, customer service, and more to find your best fit. The This Old House Reviews Team has created an in-depth Travelers home insurance review to help you discover if it’s the best company for your needs.

To get a free Travelers home insurance quote call: 844-204-3517

Our Take on Travelers Homeowners Insurance

Overall, we rate Travelers home insurance a 93.60 out of 100 on metrics like coverage, availability, customer service, and more.

Travelers has been in the insurance business for over 160 years, with a proven track record for customization and reliability. The company offers all industry-standard coverage nationwide, in addition to a variety of endorsements, including an option that helps you rebuild your home with green materials in the event of a covered disaster to make it more environmentally-friendly.

There aren’t too many drawbacks to Travelers home insurance, but both Android and Apple users have lodged negative reviews about its mobile app. The company also offers fewer discounts than many of its competitors.

On Traveler’s Better Business Bureau profile, common complaints cite issues with cancelling policies and receiving reimbursements, while positive reviews note great prices and great coverage.

Pros & Cons of Travelers Home Insurance

Compare advantages and disadvantages of Travelers homeowners insurance:

✔ Over 160 years of experience
✔ Many endorsements, including Green home
✔ Available nationwide except Florida and California

✘ Few discounts available comparatively
✘ Poor reviews for mobile app

Travelers Plans & Coverage For Your Home

Travelers offers all of the standard home insurance coverage, along with a variety of endorsements.

Travelers Home Insurance Coverage

Type Description
Type Description
Dwelling + other structures Pays to repair or rebuild your home in the event of a covered loss, including detached structures like a shed or fence
Personal property Reimburses you for the damage or destruction of personal items, like furniture, clothing, and electronics
Personal liability Pays for legal fees, including attorneys fees and any damages, if you are sued after a guest is injured on your property
Loss of use/additional living expenses Covers the costs associated with temporarily living away from home, including accommodations and meals, due to covered loss
Medical payments to others Pays for the medical costs for injuries that occur to others while on your property

Travelers offers a variety of extra coverage, or endorsements.

Travelers Home Insurance Extra Coverage

Type Description
Type Description
Contents replacement cost Pays to replace damaged or destroyed belongings at actual value, not factoring in depreciation
Additional replacement cost Adds an additional amount of up to 25% of your dwelling coverage if there is an increased cost to rebuild your home
Personal articles floater Provides coverage of specific, documented items
Jewelry and valuable items Additional coverage for valuable items like jewelry and fine art
Green home Helps pay to repair, replace, or rebuild your home with green materials after a covered loss
Valuable Items Plus Additional coverage for valuable items like jewelry, computers, and musical instruments
Identity theft Pays up to $25,000 for costs related to identity theft
Water backup Pays for damage to your home caused by sewer or drain backup and sump pump failure


Travelers homeowners insurance is available in 48 states, including all but Florida and California.

If you’re in Florida or California, please read these guides:

How Much Does Travelers Insurance Cost?

The exact cost you’ll pay for Travelers home insurance depends on a variety of factors, including your property value, where you live, the size of your home, the materials it was built with, the coverage limits you select, the insurance deductible you choose, and more.

We requested a quote for a single-family, roughly 2,200-square-foot home in Eureka, California.

Travelers Home Insurance Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $492,000
Other structures $49,200
Personal property $246,000
Loss of use $147,600
Liability $300,000
Medical payments to others $1,000 per person
Replacement cost Yes
Deductible $1,000
Monthly Cost $72


Travelers offers a variety of homeowners insurance discounts that can lower the overall amount you pay.

Travelers Home Insurance Discounts

Discount Description
Discount Description
Multi-policy Discount for bundling your policy with another type of Travelers insurance policy
Loss-free Discount for going without filing a claim for a stipulated period of time
Homebuyer Discount if you have purchased a home within 12 months of the policy’s effective date
Protective device Discount for devices like fire alarms, smoke detectors, and home security systems
Green home Discount for owning a LEED-certified green home

Travelers Home Insurance Reviews

Travelers Insurance is accredited by the Better Business Bureau and holds an A+ rating from the organization. However, customers give Travelers just over 1 out of 5 stars. Here’s what some real customers had to say about their experience with Travelers insurance.

Dc22 said:

“Very satisfied. My agent, Scott, was great to work with. He got me a new roof for my house that was damaged from a hailstorm a few years back. Even got me new gutters and window screens, which I didn’t even ask for. And it was all completely covered. He was thorough in his inspection, and laid everything out in a way that was easy to understand. Highly recommend it to anyone looking for new insurance.”

Derek W. said:

“I wouldn’t recommend Travelers Insurance to anyone. Recently had hail damage to my house and filed a claim. They won’t approve anything to bring the roof back to existing condition. Been going back and forth with them for two months with this claim. This is exhausting and ridiculous. I won’t ever be going back with Travelers again.”

Accurate as of October 11, 2021

Comparing Travelers To Other Home Insurance Companies

See how Travelers stacks up against some of its top competitors on key metrics.

Travelers Home Insurance vs Competition

Provider Travelers Lemonade Amica®
Provider Travelers Lemonade Amica®
Our score 93.60 83.50 96.60
Get a free quote Not available through This Old House Not available through This Old House
State Availability 49 (not available in FL) 23* 47 (not available in AK, FL, or HI)
BBB Rating A+ B+ A+
Years in Business 167 5 113
24/7 Claims Service
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Frequently Asked Questions

Does Travelers offer home insurance?

Yes, Travelers Insurance offers extensive home insurance, providing all industry-standard coverage in addition to many endorsements.

Is Travelers a good insurance company?

Travelers offers a wide array of insurance coverage options, including policies for auto, home, and more, nationwide. Unfortunately, the company doesn’t offer as many policy discounts as many of its competitors.

Does Travelers offer discounts for green homes?

Travelers does provide insurance discounts to customers whose homes are LEED-certified. The company also offers endorsements for green homes, paying for repairs and rebuilds to incorporate environmentally friendly building materials.

Is Travelers homeowners insurance available everywhere?

Homeowners in every state but Florida and California can purchase homeowners insurance policies from Travelers.

Our Conclusion

Travelers has extensive experience, with over 160 years in the insurance business. The insurance provider offers a wide range of homeowners insurance, including a variety of endorsements like Green home that you don’t see everywhere. Policies are available nationwide, and many discounts are offered. We found few downsides to Travelers, which mostly consisted of negative reviews of its app, customer concerns about claims, and the comparatively few number of discounts. We gave Travelers an overall score of 93.60 to Travelers.

To get a free Travelers home insurance quote call: 844-204-3517

Company Information

  • Company name: Travelers Insurance
  • Company type: Public
  • CEO: Alan D. Schnitzer
  • Year founded: 1853
  • Headquarters: 485 Lexington Ave, New York, NY 10017
  • State availability: 49
  • BBB rating: A+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at