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  Travelers Home Insurance

Travelers Home Insurance

in Home Insurance from Travelers

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Travelers Home Insurance

Unaffiliated

in Home Insurance from Travelers

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
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Financial Strength Rating A+

Travelers Home Insurance Review

Travelers Home Insurance is an insurance carrier based in Hartford, CT. The company was founded in 1853 and offers home insurance in 50 states (and Washington, DC).

Travelers Home Insurance FAQ

What is the financial strength rating of Travelers Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Travelers Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

What types of coverage does Travelers Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Travelers Home Insurance offers the following types of home insurance coverage:

Dwelling Coverage:

Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Reimbursed Living Expenses:

This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Travelers Home Insurance customers can also add the following riders or endorsements to their home insurance policies:

Earthquake Coverage:

This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

Green Improvement Coverage:

This endorsement allows a home to be rebuilt with green materials or items to be replaced with more energy-efficient versions in the event of a covered loss.

Identity Theft Protection:

This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

Sewage and Drain Backup Coverage:

This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a Travelers Home Insurance home insurance policy?

When you ask for a quote with Travelers Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

  • Alarm System
  • Home Buyer
  • Home Security or Protective Devices
  • Home Monitoring System
  • Smoke Detectors

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Travelers Home Insurance.

What additional benefits does Travelers Home Insurance offer?

Travelers Home Insurance offers the following benefits to its customers:

24/7 Phone Availability:

Customer service is staffed around the clock.

Local Agents:

Perfect for people who prefer the personal touch of a local insurance agent.

Digital Claims Reporting:

Never fax or mail a document again.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   One Tower Square
    Hartford, CT 06183
  •   Visit Site

Hours of Operation

  • Sunday 8:30am - 6:00pm
  • Monday 8:00am - 11:00pm
  • Tuesday 8:00am - 11:00pm
  • Wednesday 8:00am - 11:00pm
  • Thursday 8:00am - 11:00pm
  • Friday 8:00am - 11:00pm
  • Saturday 8:30am - 6:30pm

Other Services by Travelers

Message From Our Editor

What do we love about Travelers?

Travelers Companies Inc. serves as an ideal choice if you want access to more than just a few options.  The company offers coverage on a wide range of insurance policies such as personality liability, personality property, dwelling, loss of use, structures, etc.

Plus, the company also offers additional coverage on identity fraud, replacement cost, contents replacement, personal articles, green home, water backup, pump overflow, and special property coverage.

For most coverage options, the eligibility requirements are minimal, and the process to avail coverage is simple. Renters can also get insurance coverage for medical payments and living expenses. The company also offers traveler’s discounts on most of its insurance policies.

What could Travelers do better?

The discount offers often overlap and can come across as confusing. The sign-up process is simple, but the time limitation to buy a new house within 12 months might put people off. Also, there should be more layered classification to categorize coverage from different insurance policies. There is no instant or reliable customer support. With dedicated customer support, you will have more convenience and clarity to choose a policy that caters to your specific needs.

The backstory of Travelers

It is one of the oldest and biggest insurance providers in the U.S. As of now, the company has more than 14,000 independent agents in the U.S. The roots of the Travelers Companies, Inc., however, date back to 1864. Apart from the standard insurance policies, the company also offers specialty and bond insurance. From steamboats to trains, the third-largest insurance provider of the U.S. has had a long journey. In 1993, the Travelers Companies Inc. decided to operate domestically and internationally.

The Verdict

Although Travelers Companies Inc. offers extensive coverage of insurance policies, you should take some time to review the terms and conditions. Ideally, you should be open to exploring other options before making a final commitment. With Travelers Companies Inc., the customer testimonials and reviews are not always the best. So, pay close attention to each policy detail such as terms, rates, and added requirements.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Policy Discounts
  • Multiple Policy
  • Higher Deductibles
  • Claims Free
Property Discounts
  • Alarm System
  • Home Monitoring System
  • Smoke Detectors
  • Home Buyer
  • Home Security or Protective Devices
Home and Renters Insurance
  • Guest Medical Protection
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Dwelling Coverage
  • Liability Coverage
  • Other Structures Coverage
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Sewage and Drain Backup Coverage
  • Valuable Items
  • Identity Theft Protection
  • Flood Coverage (Federal)
  • Green Improvement Coverage
Financial Strength Rating A+
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
Claim Forgiveness

Travelers Home Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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