Travelers Homeowners Insurance

Travelers Homeowners Insurance

 3.4/5 (779 reviews)
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Overall Rating3.4 out of 5
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About Travelers Homeowners Insurance

Travelers is an insurance provider that offers competitive rates for its custom home coverage plans, online policy claims and several discounts options, including multipolicy, smart home and other savings. It also provides umbrella protection. It sells policies online and through local agents.

Pros & Cons


  • Online quotes
  • Multipolicy discounts
  • Custom coverage


  • Discounts vary by state
  • Not the most affordable option

Bottom Line

Travelers is a well-known insurance company that provides homeowners coverage across the country. You can buy its policies online or through a local agent. The company offers competitive rates and various discounts.

Top Travelers Homeowners Insurance Reviews

Rated with 5 stars

… I have dealt with other insurance companies and a lot of times it has become a nightmare. Travelers has been far the best. They handled all the policies with minimal effort on m...

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Rated with 5 stars

I am happy and satisfied with my insurance company… I have never had any sour grapes nor unattended inquiry that is unresolved. I am always treated with respect and professional t...

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About Travelers homeowners insurance

Travelers is a long-standing insurance provider that writes policies across the country. It offers coverage for cars, homes, rentals, condos, boats and yachts. It also has policy add-ons for valuables, weddings, travel and umbrella coverage. You can buy its policies online in most states, but the company also has an extensive network of agents to assist with payments and claims. Travelers provides competitive rates, but its coverage can be limited without add-ons.

Travelers home insurance coverage

Travelers customizes home policies to your needs. Its coverage options include protection for dwellings, other structures, personal property, loss of use and personal liability. You can adjust your deductible to suit your budget, though higher premiums come with premium discounts. You can also add extra coverage for special belongings, water backup, identity theft, green homes and more. Contact an agent or get an online quote to see all your coverage options.

Travelers home insurance quotes and costs

Request an online quote or contact a local agent for Travelers’ home coverage rates. In most states, you can buy policies online, and you can pay out of pocket or through your mortgage’s escrow account. Travelers also offers many discounts, including savings for security systems, protective devices, smart home technology, green home certification, loss-free claims history and more, though these discounts vary from state to state.

Travelers home insurance FAQ

Where is Travelers home insurance available?

Travelers homeowners insurance is available in all 50 states. However, its coverage options and discounts may vary depending on location.

Does Travelers home insurance cover older homes?

Yes, Travelers’ home policies cover older homes. Submit an online quote request or contact your local agent to see if your home qualifies for coverage.

How can I file a claim with Travelers home insurance?

You can easily file and track claims on the Travelers website or with its mobile app. You can also submit claims with your local agent.

What company owns Travelers home insurance?

Travelers isn’t owned by another company; it was previously part of Primerica and Citigroup but became its own company in 2001.

Is Travelers home insurance good?

Travelers’ home insurance policies offer competitive rates, comprehensive coverage and several discount opportunities and coverage add-ons. It’s a solid option if you want customizable coverage and qualify for its discounts — get a quote online or speak with a representative to get specific pricing details.

Travelers Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer Verified Buyer
Original review: May 3, 2023

I have had a Travelers homeowners or condo policy through Geico for twenty years. Two years ago I purchased a home with a clawfoot tub in the bathroom, and last summer, while the tub was partially full of bath water, the back feet fell off the tub. The front end of the tub cantilevered up into the air pulling the PVC drain pipe out of the floor and snapping it in half. The bathwater was quickly bailed and mopped up and Roto Rooter came that night and lifted the tub and reattached the feet. It turned out that the feet on the tub had been improperly installed.

There was no water damage to the floor, the walls, or the bathroom, and in the end the claim was for two bills-to Roto Rooter and to the plumber that put in a new drain pipe. The total amount of the claim was $2300. This is the first and only homeowners claim I have ever filed in twenty years. The adjustor actually laughed when she came to inspect the bathroom and said it was a first-that she had never seen anything like it.

About a month ago I received an email from Geico saying that my homeowner's policy would not be renewed because I had had a "non-weather-related water event" in my home. A Geico supervisor was sure it was a mistake since there had been no water damage upon inspection. He reached out to underwriting at Travelers who told him that the reason for the cancellation had been "mis-characterized" and that they knew it was not a water-related event, but they still refused to reinstate the policy or give a reason for the cancellation. The Geico supervisor said that basically the policy had been cancelled simply because I had made a claim.

I actually had the money to pay for the repair, but why pay for a homeowner's policy if you can't use it for a one-off accident like this one? Apparently, if you have Travelers insurance, you cannot use your policy, not even once in twenty years. So much for treating your loyal, long-term customers well. Needless to say, Geico is at fault as well, and since all three of my policies, home, auto, and umbrella were with Geico they will lose all three. They were unable to give me a new homeowner's quote for less than $600 a year more than what I was paying for the Travelers policy. State Farm here I come!

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Rated with 1 star
Verified Reviewer
Original review: Nov. 4, 2022

We had homeowners insurance with Travelers for 18 years. Until last year, the service was satisfactory. In late January 2021, a water heater that was only about 10 years old, leaked and flooded part of the finished basement. The first thing I did was to have the broken water heater removed and replaced with a new one. I filed a claim and restoration of carpets, baseboards, and some drywall was done. The claim was settled. In early June 2021, there was another leak in the same area. At first, the cause was unclear, but it turned out that while installing the new water heater, the technician kinked a tube through which condensation from the furnace was pumped while the AC was on. The water could not get through and backed up causing the flood.

I called Travelers and told them we had a similar claim earlier in the year. I asked whether there was any issue in filing another claim and was told that there was not. Similar remedial work was done, although it was less extensive than the first time. In April 2022, I received a notice in the mail that our homeowners insurance would be discontinued the following month. The notice came a day before we were leaving on a three week trip. I had to quickly arrange for new homeowners insurance through GEICO and the premium was nearly twice as high as previously.

If the claims department had informed me that a second claim for water damage would result in non-renewal of our insurance, I would absolutely not have filed the claim. Paying for the repairs would have been far less expensive than even a few years of much higher premiums. Ten months passed before I was notified. Worse, the two water related incidents are on our record for any insurance company to see. I am sure that Travelers will say that the claims department is separate from the underwriting department. Certainly, any professional in the claims department could have told me what might happen. The final sentence in the notice sums up Travelers' priorities and they are clearly not in the interest of the homeowner: "To continue to insure this risk would adversely affect our economic and business purposes."

3 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 31, 2022

    Got a quote and binder on my home. Suddenly I get a bill stating that the premium was increased with no explanation why. They sent no one here for the outside inspection. They use an app called Hover. You take pictures and Hover creates a 3D diagram. Sq. footage was way over calculated versus my appraisal. They would not communicate regarding my explanation. They said I had black mold on my siding. Not true as pointed out in a recent home inspection and another insurance inspector who showed up in person. They said my BBQ (Weber) and gas grill were appliances and must be enclosed with a fence. They had other inaccuracies. Avoid this company.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Sept. 30, 2022

    I have filed a claim 7 months ago from this agency and up to this date, I haven't heard anything back from them. I have been playing cat and mouse with the claim adjuster with phone calls and emails and he never responds to me. This is literally the worst company I have ever dealt with.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 12, 2022

    I recently bought a condominium and bought homeowners insurance with Travelers Insurance. The people that I have communicated with throughout the process have been professional and I believe, within their capacity, tried to help solve my problem. But to no avail. After I moved in to my condominium I received an alarming letter from Travelers explaining that unless I paid my bill, my coverage would be discontinued. I called the bank which holds my mortgage and after researching the situation it was discovered that Travelers had received and cashed the check, but never gave me credit for the payment.

    I have called Travelers multiple times and they have concurred that the check was cashed, yet they do not know where the money went to. All agents say the same thing; that it is currently under investigation. So, right now my policy is listed as inactive. Everybody makes mistakes. The problem is when a company does not make an effort to rectify a mistake in a timely manner. They are not displaying ethical behavior. Where is my money? If you are considering buying insurance from Travelers beware of their practices.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 8, 2022

    My home mortgage company Caliber Mortgage Co. overpaid Travelers $825. Geico Ins. representing Travelers, has agreed on 3 separate occasions 03/22/22, 04/19/22, 5/26/22 that Travelers indeed owes me the refund. I have yet receive either the money, or any correspondence from either Travelers or Geico. The last Geico representative I spoke with, Phillip **, on 05/26/22 informed he would pass this information on to his manager. After 2 emails, 3 phone calls to Mr. ** I have yet to hear from him; I might add it is impossible to contact Travelers direct.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: June 4, 2022

    This review is for Lisa ** in Illinois. She was my insurance adjuster after large parts of my condo had water damage due to a fire that happened in another condo in my building. Lisa was highly professional and communicative at all times. She came over to view the damage and take photos, and from then on, with a bit of back and forth from our HOA, she took care of matters, put me in a hotel when they were taking out the asbestos from the walls and rebuilding the wall they'd taken down, and was caring and professional throughout. I really felt she was there for me from the start, which made an incredibly difficult situation easier to deal with.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Sept. 19, 2021

    To start off, I had Travelers for 3 years and never made one claim until recently when I was taken for from a Contractor who later was found to be using another Businesses information for his own to pretend he was licensed, bonded, and insured. Needless to say I had to make a claim for my kitchen and bathroom. The Kitchen and bathroom were not done correctly and when I made the claim for the first time I thought the process was simplistic and straight forward, but wow wrong. The Claims Rep received all my information and proof of receipts, State Contractors Board Review, pictures, and video of the problems to my kitchen and bathroom.

    I showed the rep estimates from 3 businesses for repairs and the rep basically at first had me feeling like I was going to get help with the repairs needed and had me thinking I was good as he was saying the Company would just Zelle me the cash needed for the said repairs. Well the very same day the Rep calls me to tell me that he was sorry, but the Company could not help me due to the severe damages. Then moves on to say if anything changes to let them know and they could redo the review. I laughed and said why do I even pay your Company if you aren't going to help and the reply was a joke. The reply was basically stating that if since this was bad workmanship they couldn't really assist.

    This was not bad workmanship it was basically replacing almost the entire kitchen as there are outlets that were bulging outward, tiles that were falling off the wall, a range hood that was not on the wall properly and could be a potential fire hazard as it was hanging too low to begin with, and etc as the list goes on. Either way I left this business as the ratings appear to be accurate with their standards of practice and how I was literally just shied away, so they can avoid paying for anything. If I pay into insurance for these reasons I should be able to get some help, but not getting anything, but sorry was no excuse and I left to another business. They should be more open to explaining into detail what the policy states and stop hiding behind the small lettering and this how these businesses get you. When asked what if there was a fire and I was told it depends on the circumstances. Lol. Glad I left.

    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Aug. 9, 2021

    I received a plastic card from Travelers' Insurance with the invitation of "PRIORITY QUOTE CARD". On the back of the solicitation card, "Many discounts" was displayed at the top of the enticements. I called the phone number listed, 1-844-900-1730, and reached an agent of the Travelers' Insurance Group. We discussed coverage on my home and auto and, after ascertaining my needs, the agent informed me he needed to ask me "a few" questions about my home. He proceeded to ask me about 25 questions, questions no other insurance agent ever asked me, about my home. I inquired, "How many more questions do you have for me?"

    He responded, "There are quite a few more questions on my list." I told him that I was not prepared to waste any more time answering questions that seemed to me to be beyond the scope of necessary information for the Travelers' companies to determine a quote for insurance. I then thanked him for his time and hung up the phone.

    Just applying for an insurance policy from Travelers' is like undergoing a ** interrogation in its scope and lengthiness. Find an insurance company that wants to do business with you and makes it easy and convenient to do so, without wasting half of your day answering inane questions that are unnecessary to obtain an insurance policy. My best advice.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 4, 2021

    We made an insurance claim for wind damage to our roof from an F-3 tornado. Three (3) roofing companies verified the wind damage. Travelers promptly denied the claim finding no wind damage. Presently suing Travelers for bad faith denial of the claim. I do not recommend this company.

    18 people found this review helpful
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