How ConsumerAffairs uses cookies

This website utilizes technologies such as cookies to enable essential site functionality, as well as for analytics, personalization, and targeted advertising. To learn more, view the following link:

Travelers Homeowners Insurance Reviews

4,945,450reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.

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.

Visit www.travelers.com
Pros
  • Online quotes
  • Multipolicy discounts
  • Custom coverage
Cons
  • Discounts vary by state
  • Not the most affordable option

Travelers Homeowners Insurance Reviews

Filter by Rating

  • (29)
  • (5)
  • (8)
  • (21)
  • (226)

Popular Mentions

    How do I know I can trust these reviews about Travelers?
    • 4,945,450 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Travelers?
    • 4,945,450 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 3 Reviews 80 - 230
    Customer ServiceCoverage

    Reviewed Sept. 8, 2023

    Do yourself a favor and do NOT use Travelers Insurance. They required me to spend $2500 on tree removal of 2 healthy trees, in order to have my homeowner's policy renewed. When I sent them pictures of the trees having been removed they informed me the day before my policy expired (on a Friday) that they refuse to renew my policy because the home shows evidence in the picture of 'water damage'. One side of the house was in slight need of pressure washing; aside from that the home is extremely well maintained and there is zero water damage to the property.

    I called them to explain the situation and when they refused to reconsider. I begged them to at least extend my policy for a week to give me time to find another carrier and they wouldn't allow an extension. So I spent $2500 unnecessarily and now my $300K investment is at risk until I can get a new policy. Absolutely disgusting and unbelievable how they treat their long term/loyal customers.

    Thanks for your vote!
    Profile pic of the author.
    Verified purchase
    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed July 18, 2023

    My claim professional was Kent ** in Cincinnati. He was super difficult to get a hold of and would take days to respond. He’d tell me that he’ll send the estimate on a certain day but he would not do anything at all. So for the most part during my claim process I was left in the dark thinking I have no help and not even sure that the insurance will pay me for my loss. Definitely not a situation you want to be in when you’re dealing with a loss or damage to your house.

    Thanks for your vote!
    Verified purchase
    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsMaintenance

    Reviewed 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!

    Thanks for your vote!
    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffRates

    Reviewed 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."

    Thanks for your vote!
    Customer ServiceCoveragePriceBillingTransparency

    Reviewed 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.

    Thanks for your vote!
    Customer Service

    Reviewed 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.

    Thanks for your vote!
    Customer ServiceCoverageRefunds & PayoutsStaffBilling

    Reviewed 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.

    Thanks for your vote!
    Customer ServicePriceRefunds & PayoutsStaff

    Reviewed 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.

    Thanks for your vote!
    CoverageTechStaff

    Reviewed 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.

    Thanks for your vote!
    Customer ServiceCoverageTechPunctuality & SpeedRefunds & PayoutsMaintenanceStaffRatesTimeliness

    Reviewed 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.

    Thanks for your vote!
    Customer ServiceCoverageSales & MarketingPriceStaff

    Reviewed 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.

    Thanks for your vote!
    CoveragePunctuality & Speed

    Reviewed 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.

    Thanks for your vote!
    CoverageTechPunctuality & SpeedStaff

    Reviewed June 26, 2021

    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.

    Thanks for your vote!
    CoverageMaintenanceStaff

    Reviewed June 11, 2021

    I have Travelers homeowners insurance bundled with my auto insurance since 2008 for my current location and had the same company prior to that. I had a break-in by someone who smashed my slider and stole all my jewelry. Travelers was very responsive with my settlement.

    Thanks for your vote!
    CoverageTechRefunds & Payouts

    Reviewed Feb. 2, 2021

    I only give it two stars because when I had a claim they were timely in paying it. Now however they had issued a non renewal for an $1800 water damage claim because they say I never sent proof that it was paid, WHICH I ABSOLUTELY DID! Keep in mind they didn't pay for the $2500 roof damage. That came out of my pocket because homeowners doesn't cover that, surprise! But the paltry $1800 is reason for nonrenewal!!!

    The insurance companies are dropping people left and right because of all the fires in California. Stupid business model because they are apparently run by morons. So where are they going to get the funds to pay out claim if they don't want to insure anyone. The areas of the fires in California were for the most part not even fire areas. It was just unusual circumstances in an unusually windy environment. There haven't ever been fires in those areas and probably will never be again. So maybe Travelers is not alone. Maybe they are all idiots and we are their pawns, but I can only review them.

    Thanks for your vote!
    Coverage

    Reviewed Jan. 16, 2021

    What's the point of having insurance when you get penalized for using it? Traveler's was plenty happy to tap my bank account each month for its premium, but not so when it came time to pay a claim. I would not recommend these people to a dog I did not like.

    Thanks for your vote!
    Customer ServicePunctuality & SpeedRefunds & Payouts

    Reviewed Dec. 8, 2020

    If I could do a negative 100 I would.... I wouldn't recommend them to my worst enemy.... Treat you inhuman, like you're a piece of gum stuck on the bottom of a shoe.... They try to scrape you off....They are threatening me and my family of homelessness.... Our house is just sitting there red flagged by the city while Travelers is just doing nothing.... Don't get me wrong, they've paid for our temporary housing for a year, but nothing has been done to the house.... So now a year later they are telling us that our temporary housing is ending on Dec. 31st, 2020....

    With all this stuff going on in the world at the moment, you would think they'd have a heart.... Nope, heartless.... Rude, rude, rude.... They don't know how to speak to people and just treat them like a number.... They speak in circles and put you thru hell.... I would mention names but they know who they are.... A claims adjuster, a claims adjuster manager and a claims adjuster supervisor.... California, Nevada.... We are the victims here.... I think they are committing a crime against humanity of threatening us and putting us out on the streets of no fault of ours....

    Thanks for your vote!
    Contract & TermsCoverageSales & MarketingPriceRates

    Reviewed Dec. 5, 2020

    Auto and Home Insurance is something I don't want to think about so I did my homework years ago and got the best rate for the coverage I need and they've got my back since then. Safe to say, my rates rarely increase and the few claims I needed to make were handled with ease. I had a roof on my house replaced due to Hail damage and all it cost me was $500 for the deductible. Luckily enough for my cars I have not needed to use it. One last mention, as I am sure it is with all companies, I get a combined discount...overall, satisfied and not shopping.

    Thanks for your vote!
    CoveragePriceStaffRates

    Reviewed Dec. 5, 2020

    My Travelers agent really goes above and beyond to make sure I'm taken care of. The prices are a bit steep, but all homeowners insurance is expensive from what I can tell. Overall, they're a good company to deal with.

    Thanks for your vote!
    Customer ServiceRefunds & Payouts

    Reviewed Nov. 21, 2020

    I'm going into my 4th year with Travelers. I particularly like that you can pay monthly for 8 months and then don't have to pay for 4. They email your policy a monrh in advance with all the information from the last year so if you need to make changes it is easy to contact them and they make the necessary changes. They are very flexible and have several ways to pay. All in all they have been the easiest company to deal with compared to a couple others I have tried to work with.

    Thanks for your vote!
    CoverageStaff

    Reviewed Nov. 20, 2020

    Homeowners insurance company. They seem to help people if they have home questions or if they have problems with with their homes and they can maybe get the help that they need for them. Some home insurances help with the problems that people need.

    Thanks for your vote!
    Price

    Reviewed Sept. 14, 2020

    This company failed each time we needed to make a claim for damage. They overinflated our property value to increase the deductible. I had to contact them with backup information for them to lower their valuation. It's always a chore when the time comes when we file a claim. When I get some time to devote, I am going to look for better options.

    Thanks for your vote!
    Customer ServiceCoveragePricePunctuality & SpeedStaffHonesty & Transparency

    Reviewed Sept. 12, 2020

    In May of 2019, my husband and I discovered that some property we held in storage had been damaged due to wind damage to the facility causing an excess accumulation of dust, mites, and insects to get into our storage unit. We immediately filed a claim with Travelers whom we had paid monthly premiums to for the last 13 years which should have covered our property in storage. We rarely filed a claim during those years, except for roof and maybe one other. We were called and asked questions about our unit which we immediately answered. However, the agent never made an appointment with us to visit the unit to assess the damage to our property. Instead, the agent called the facility to ask about us and damage to the unit. Of course, the facility denied any damage. Ultimately, our claim was denied citing what had been told to Travelers by the facility. My husband and I were disappointed, but life goes on.

    Several months later, we received a letter stating we had to get rid of the property we held in storage. Of course, we called and questioned why? What is this all about? The agent proceeded to inform us that we had to throw away the property because we claimed it was damaged and allegedly we could possibly put the property in our home and file a claim on it later. We were offended as we are both honest, hardworking PROFESSIONALS. We informed the agent that it is damaged and we were not going to throw it away because the claim had not been approved by Travelers so therefore, they had no right to say we had to get rid of it. If the claim had been approved and paid, we would have gladly done so.

    The agent informed us if we did not get rid of it, our policy would not be continued. This...to customers who take care of home and property and pay premiums on time...for over 13 years. We replied OK because we were not going to get rid of our property when the claim had not been approved. We immediately began getting quotes from other companies for our home insurance coverage. This happened at an excellent time for us because we were in the process of building our next home and had this not happened, we probably would have stayed with Travelers in our now current home. In January of 2020, our coverage with Travelers was not renewed due to us keeping our property in a claim that had not been approved. What a way to treat once loyal customers.

    Thanks for your vote!
    Customer ServiceCoveragePriceStaffRatesTransparency

    Reviewed Sept. 1, 2020

    Best policy coverages and rate. My agent is the best at finding what I need and getting me the best price. She keeps me updated constantly so I always have the most recent information and reminders and follow up is???!

    Thanks for your vote!
    CoverageRefunds & PayoutsStaff

    Reviewed Aug. 30, 2020

    I'm quite pleased with this company in reference to how they handle any issue that I may have in respect to how they handle any concerns or questions about the policy. The fee that I pay is less than what I pay for auto insurance which can be high. Their representatives are very professional.

    Thanks for your vote!
    CoverageTechPriceRefunds & Payouts

    Reviewed Aug. 17, 2020

    After being several years with Travelers Home Insurance in February was a tornado that hit my area in Charlotte NC. I made a claim after a roofing company came to inspected and showed me that my house had a roof gutters and siding damage. In July, Travelers just agree to pay half of the roof and an small part of the siding. I wouldn’t recommend this company to anybody. What a bad company after charging me a lot of money for my insurance For years, they just send me a letter to tell me that they won’t Renewed my policy for the small claim they paid for.

    Thanks for your vote!
    Customer ServiceCoverageBilling

    Reviewed July 8, 2020

    I purchased a homeowner's policy from Travelers earlier this year, believing I had bought comprehensive coverage, only to discover that water damage to my home was not covered because the water came in to the home from the outside. (Seems like an exclusion designed only to prevent payouts, for how likely is it that substantial damage would come from water inside the home). Prior to notifying me that coverage would be denied, they told me to call one of their preferred water mitigation companies - which did the work but wouldn't give me an estimate at the time of service, saying they "would provide the estimate directly to Travelers." Subsequently got stuck with what seems like an inflated bill for a service I would have sought other bids for. Travelers has lost me as a customer for life. I would discourage others from using Travelers.

    Thanks for your vote!
    Customer ServiceCoverageStaff

    Reviewed July 7, 2020

    I recently purchase a home insurance through Travelers and it was the biggest mistake I ever done. The customer service are not knowledgeable and not emphatic with my needs. They easily dismiss your concern. Claims are not resolve in timely matter and very difficult to dealt with. Worst company ever and I do not wish anyone to go through the hassle that I’ve been through with this company!!!

    Thanks for your vote!
    Customer ServiceCoverageTechPunctuality & SpeedRefunds & PayoutsStaffResolutionHonesty & Transparency

    Reviewed June 29, 2020

    A customer with for 20 years with auto, personal, umbrella and homeowners. I Experienced a sewage backup in my bathroom. My condo association was at my property with another plumber. We reached to file a claim with Miguel ** claim manager Travelers both from the condo manager and myself. He specifically denied the claim by saying my insurance did not cover this peril and would send a letter to me stating such. The condo manager was Ethan **. This constant denial went on for a while till I was able to contact Stephen **, a claims manager who pulled my coverage, emailed me the specific documents, and pointed out the specific peril under which it was covered. He stated that the representatives were in error and my I was covered 100%. Fast forward to reimbursing me for the loss Travelers refused to pay for certain specific damages, even though all 3 bids submitted included the losses.

    I escalated to the State Commissioner of Insurance where Stephen ** implicitly lied and stated that Travelers never officially denied coverage but rather were waiting for all the facts to come. This is indeed 100 % false and both Ethan ** and myself will testify under oath the veracity of our claim. Travelers was vexatious, refused to cover the full amount of the claim and engaged in coercive practice with my vendors. I wish to hold Travelers accountable. Regards, Steve

    Thanks for your vote!
    Customer ServiceCoverageSales & MarketingPriceStaffHonesty & Transparency

    Reviewed May 26, 2020

    Warning to Travelers customers!! Did you know, you are not allowed to sell your home?? I have been a Travelers customer with multiple policies for close to thirty years. I have insured at least three of my homes if not four throughout those thirty years with Travelers. Never once was I made aware that selling your home makes you ineligible for being insured by Travelers. Did you know that? You could pay insurance for your homeowners policy for many many years and then if they find out you are putting your house on the market they will cancel you.

    I have sold two or three homes while being insured by travelers and I never knew this. I actually moved from Connecticut to Missouri, put my house in Connecticut up for sale while I was living in Missouri. The house in Connecticut was unoccupied and on the market and still insured. Recently I called Travelers after getting a quote for renters insurance by another company, to give Travelers the opportunity for the business. I am a loyal Travelers customer! I am renting an apartment 2 minutes from my house to move some of my belongings into while we prepare our home for going on the market.

    Once the house sells we will move into the apartment. My making that phone call created Travelers to cancel my policy. That’s right the fact that I am a loyal Travelers customer is biting me in the butt! They assumed my house was unoccupied and so they canceled. I called to let them know that it was not unoccupied and that we were just preparing it for the market. They called underwriting and this one underwriter is digging her heels in and saying that she is will not remove the cancellation. So the fact that I called to let them know that we are preparing to put it on the market is now the reason they’re canceling. Not because it’s unoccupied, which was never the case that was an assumption on their part caused by my phone call because I am a loyal Travelers customer, now it’s because I am planning to put it on the market!!!

    Be careful of the company to whom you are loyal! Thirty years of loyalty and they are kicking me to the curb for something that is done all day every day. How many people do you know lose their homeowners insurance because they put their house on the market? I’ve never heard of that! I called a realtor friend and they had never heard of that! And Travelers themselves admitted to me that they never tell you that!

    They admitted that the fact that you are not allowed to sell your home is not in your policy manual and the salesperson who sells you your homeowners policy does not tell you, you only find out if you’re a loyal customer and are honest with them. I guess the message I should take from Travelers is don’t tell the truth if you are going to put your home on the market and all is okay, cause if they find out about it they’ll cancel you!! That is basically what I was told. I thought the best practices were honesty and loyalty, not in this case, not with Travelers!!

    Thanks for your vote!
    Customer ServiceCoverageTechPunctuality & SpeedRefunds & PayoutsMaintenanceStaff

    Reviewed April 21, 2020

    On July 28, 2019 a straight line wind ripped through our neighborhood causing damage to the left side of my house, as well as other structures in my yard and backyard from fallen trees. A huge tree about 150 feet tall, fell onto the left side of my house and porch and caused the whole house to shake. I was not able to exit my house from the front as the tree had fallen on the porch and steps. We called Travelers and was told it was ok to have the tree removed and so we did before the adjuster came. An adjuster from travelers came out and assessed the damage about a week or two later. He assessed the damage to the roof, fascia and fence etc.

    We also pointed out that there was damage to the porch and that the porch had shifted to the right, which is obvious to see.... The adjuster didn't think that was from the tree but said we could submit it as a supplement once we started repairs. He also made a comment that he overwrites the estimates so maybe he could take the family on a vacation. Our contractor verified that indeed the force of the tree moved the porch. He stabilized the roof and porch until we could make the needed repairs. He found that the left side of the porch header is compromised, The posts shifted and aren't level as they were level before the tree hit the porch (we used him last year to build our garage and he verified that in fact the porch shifted from last year before the tree hit) and the footing is sunken.

    He submitted a supplemental estimate for the porch and it was denied due to the policy not covering preexisting deterioration or wear and tear. The house is an older house and after removing the ceiling on the porch, he had found deterioration, wear and improper construction that we weren't aware of as everything was covered up. Even though there was preexisting concerns, the porch was stable before the tree hit. Now we need to resupport the porch as it shifted because the tree fell and was laying on it. I contacted his supervisor and explained the situation. I asked if he could look at the pictures of the tree on the house and see that there was no way that didn't shift the porch and to compare pictures of the house before and after because it's obvious it shifted from the tree. He said he had pictures and asked that my contractor contact him.

    After their discussion he wanted to send out a structural engineer. The engineer came and met with us and our contractor. He did agree that the tree definitely did damage to the porch but there was also underlying structural concerns. They agreed but we did not know about the structural concerns as they were hidden. The issue here is that the tree falling put pressure on the porch and caused it to shift and become unstable. We would not need to do any repairs to the porch at this time if the tree had not fallen. After not hearing anything for about a week I called on 4/06/2020 and was told, "Oh yea I was going to send you a letter soon, we are not covering any additional damage because your policy excludes wear and tear and deterioration."

    I was surprised, as after hearing what the engineer said, I thought they would at least cover the damage the tree did to the porch. He sent me a letter, and what the engineer wrote was different as to what he said to us when he assessed the damage. He also said he compared pictures from before and after and didn't see a difference. I asked if they could meet me in the middle and help with the porch as it seems unfair that the tree caused damage and now we are on our own for repairing it. He said there was nothing he could do. I then asked what my next step was and if I needed to get a lawyer... He said that was my choice. My complaint is that these underlying concerns were hidden and the force of the tree falling is what caused the porch to move and essentially caused it to be unstable and unsafe.

    This is bad business as they are using this to their advantage in order not to pay for the damage the tree caused. This is very unfair to myself the consumer. Why am I paying for insurance if they aren't going to cover damage that was done to the house by an external force? Also going back to the comment the adjuster said... We don't want it overwritten to go on vacation, we are looking to have enough money to cover the repairs needed from the damage of the tree and storm. I am appalled that is even happening and that I need to fight this. My contractor verified that the porch was not shifted before the tree fell and also neighbors have verified it as it's plain to see with your eye. After this we got a letter from travelers saying we are here to help during this trying time. What a joke....especially during this time after I am out of work. I don't have the extra money to pay for repairs that a storm caused. Isnt that what insurance is for??

    Thanks for your vote!
    CoverageStaffTransparency

    Reviewed April 15, 2020

    I was under policy with Travelers for one year. Our home is 25 yrs old and is in solid condition but we are making updates and repairs as we can. At the end of the term they declined to renew my policy due to the age of the roof. This came as such a shock because they had pictures of the home at signing and we had no contact from them all year regarding any concerns. They asked for more pictures which I sent but said they were not sufficient. They stated they tried to do an inspection but could not get in. I was never aware of such an attempt until days before the policy was to expire. They never attempted to contact me to have access to my fenced and gated property.

    I sent new pictures that I obtained by climbing on my vehicle, they also were not accepted. They never let me know until I reached out to them with less than 2 days on my policy that they still declined to renew. I found their correspondence to be cold and unappreciative to me as a customer and very unprofessional with their conduct and service. I do not recommend using this company at all.

    Thanks for your vote!
    CoverageStaffRates

    Reviewed April 13, 2020

    I signed up with Travelers home insurance in 2018 and in 2020 my rate increased by more than 25%. I had no claims on this property during this period and Travelers/GEICO agent could not explain why, except that Travelers did a rate increase for Indiana properties. I was also told that maybe it is before of the claim in 2017, but that claim was known to Travelers when I signed up with them in 2018.

    Thanks for your vote!
    Coverage

    Reviewed March 20, 2020

    I've been with Traveler's Homeowner's insurance through GEICO for 12 yrs - they just raised my insurance 20% though property values have only increased 2.1%. Last year they jacked it over 19%, 7.4% the year before. In last 3 yrs, they've jacked it over 53%! I totally get the insurance game, but I'm done playing it. So I'm dumping them and shopping around.

    Thanks for your vote!
    Customer ServiceCoverageStaffHonesty & Transparency

    Reviewed March 16, 2020

    At the end of November, we became aware that the neighbor's shower above us was leaking into our kitchen. We immediately notified our building management and our personal agent and provided pictures. Our building had to locate the leak and then provide us with mold remediation and testing through the building insurance. Then it became time to deal with the damage inside my kitchen which was not part of the original construction when we moved into the coop. This included replacing drywall, some custom cabinetry, and painting.

    Our adjuster used every excuse in the book, including outright lying about our conversations and conversations she had with our building management. She even threatened to deny our claim. All this for a claim that was under $10K. I was not treated like a valued customer that had been paying this policy for years but like a dishonest thief who was trying to take something that was not mine. We were with a kitchen for three months. Each time the adjuster had an issue her response was "I'll get back to you next week." Never again. I'm done.

    Thanks for your vote!
    Customer ServiceCoverageStaff

    Reviewed Feb. 5, 2020

    I have been in the home-buying process for several weeks and planned to get my homeowners insurance through Travelers. I am 6 days out from my closing date and I just got off the phone with them and was informed that they will no longer offer me a policy because I have a dog who is part Pitbull (breed, not the musician). I understand company policy, even if it is incredibly dumb policy, but for them to pull the rug out from under me 6 days before my closing date is completely unacceptable and is plain bad business. Do not use them if you want someone reliable.

    Thanks for your vote!
    Verified purchase
    Customer ServiceCoveragePricePunctuality & SpeedMaintenanceStaffBillingRatesFollow-Through

    Reviewed Jan. 25, 2020

    My wife and I called for a QUOTE for home insurance on a home we were going to purchase. Travelers offered good rates and we kept them in mind. We later canceled to purchase of the home in question. We thought nothing of the QUOTE from travelers as it was only a QUOTE over the phone. We come to find out that someone at Travelers had activated our QUOTE into a fully effective policy without our consent. We’ve now called their offices a half dozen times in an attempt to get their error corrected and as of yet it is not. We keep being harassed with late payment notices because of this and empty promises that the error has been corrected. Every single representative I get ahold of insists that they alone will follow through to correct the problem and there is never a need for me to speak with management.

    Here I am, 6 months after a quote, 4 months after THEY inappropriately activated the Quote into an active policy without our consent, 4 months of being harassed about payment, 5-6 representatives supposedly following up on correcting this harassment and fixing the error, not once have I been able to speak to a manager upon request with my obvious growing frustration, repeated Past Due Notices sent to us, and the reassurance that they don’t report non-payment to the credit bureaus.

    In dealing with this company for a Quote, I have felt has been the worst decision we ever in relying on any business for services offered. It 100% feels like this company does not care about customer satisfaction nor do they have adequate oversight that allows Quotes to be activated without proper consent. This company appears to have policies in place that allows harassment and abuse of consumer protections, allows for representatives that can fraudulently financially use customer data to activate policies under the guise of a Quote, and they lack the oversight to remedy their own internal errors and practices. Buying and seeking homes and moving across the country is stressful enough and it feels like these vultures merely want to capitalize on potential customers, and other reviews show current customers too, during some of their most difficult life events.

    A company like this should keep in mind that they are only as reliable as their weakest practices rather than finding strength in them. But what protections do customers have during their most difficult and often financially precarious times of their lives? We have to rely on their “good faith” efforts or scrape up money we don’t have to file lawsuits. All because they aren’t operating on good faith and they control all the policies that are in place to continue abusing potential and current customers. ***I’m enclosing a copy of Cancelation Confirmation we received but keep in mind we are still being harassed for payment.***

    Thanks for your vote!
    Customer ServiceCoverageStaff

    Reviewed Jan. 4, 2020

    Worst Insurance experience in my lifetime. It took 14 days for an Agent/adjuster to show up after a tree fell on my house. I had to do all the work at the age of 70. I Chainsawed the tree and sealed the house to prevent further storm damage. After 15 year of paying premiums the "hometown" office said they would cancel the policy for a $2500.00 claim. Gee I could have been self insured. No service just emails and voice mail. Go ahead and buy Travelers and get nothing! Please shop around for a real insurance that has real people to talk with not some cyber company that just takes your money.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Dec. 30, 2019

    Never use this insurance company under any circumstance. Evil people who will practice bad faith insurance practices. If you want to pay for home owner insurance and no protection choose them. I recommend NEVER to use Travelers!!!!! Severe damage to my property from bad weather early this year. Roof, Kitchen Bathrooms experienced damage from water entering the home. Adjuster underestimated the claim and advised to start out of pocket mitigation/remediation. I've paid for mitigation to begin the work and contractors are unable to start due to the underestimated scope of work. Currently refuses to make adjustments despite several contractor estimates. Travelers increased my premium and monthly payments due to the open claim. I'm unable to change insurance companies due to the 10 month open claim. I've hired legal representation contacting the local news station. Justice will be served!

    Thanks for your vote!
    Claims HandlingCoverage

    Reviewed Dec. 27, 2019

    Insurance broker helped to buy Travelers HO6 for my new condo. Condo was all newly renovated and working great, until one night and 6.5 months since we moved in we found water damage to floor near bathroom. Found shower and tile seal broke suddenly due to contraction and expansion. We fixed the leak as soon as we can. Then, adjuster came and told us HO6 does not cover water damage from this "specific" situation as it is a "wear" and not a pipe burst...??? I disagree this is a wear. It happened only for 2 -3 days before we find out and try to fix, the floor was already damaged the first day due to water going underneath the floor. Also, most condo have master insurance that covers these pipes in the wall. So what is HO6 for if it doesn't cover all sudden water damage? Was told by adjuster to buy endorsement on top of HO6 in order to get more things covered. So, what's the point? Of HO6 if we need add on to make it worthwhile?

    Also, found out the broker and the insurance company were all connected. We didn't receive a copy of the insurance policy. No one explained to us about our benefits and coverage. We didn't know better. We trust the broker to get us the best coverage. But broker did not even mentioned the endorsement, only trying to sell us something cheap and useless.

    Adjuster also told us himself that most people in their lifetime won't claim anything to their homeowner's insurance... So insurance is making money by selling policy that you mostly cannot benefit from when needed.This insurance company only sells us cheap coverage that is almost useless to make us feels falsely secured. Do not trust, must read all wording carefully. Broker and insurance is connected, beware!

    Thanks for your vote!
    Customer Service

    Reviewed Dec. 9, 2019

    We had an unfortunate try at insuring our property with Travelers, they are the worst at trying to contact, customer service is rude and underwriters clearly bias toward the insurers benefit. If you need fair and good insurance I would not waste time on travelers home insurance.

    Thanks for your vote!
    Claims HandlingPunctuality & SpeedStaff

    Reviewed July 19, 2019

    I filed a claim in April due to water damage to my master's bathroom of which was leaking from the upstairs to the garage below. Only to learn that the spout/valve from the garden tub caused water to leak on the sub-floor and structural insulated panel which lead to mold growth. Subsequently, I informed my adjuster of the situation and got the okay to move forward with remedied cleaning/repair/replacement of the damaged done to my property. However, due to the Short Scope estimate from Travelers I haven't been able to move forward with the repair and replacement of my bathroom floor, garden tub, insulated panel and vanity.

    Furthermore, my assigned Travelers adjuster has failure to act promptly to handle my claim efficiently and effectively. Whereas, a gaping hole remains around the pipe drain area of my garden tub plumbing. Sadly, my claim has been delayed due to lack of correspondence and I have yet to receive any resolution. In the meantime, The Restoration Company has been patient, polite and forthcoming with pictures, documents and a repair scope.

    Thanks for your vote!
    Claims HandlingCoverage

    Reviewed July 17, 2019

    Do not buy insurance from this HORRIBLE company. If you have to file a claim, after over TEN of paying your premium, IT WILL BE HELL. They hire complete idiots whose only purpose is to save the company money and make your life miserable. RUN TO A DIFFERENT COMPANY FOR YOUR INSURANCE NEEDS.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed July 14, 2019

    I had a large crack in my slab in the garage and while I was working to fix it I found a huge root under the slab. It was obviously the cause of the problem and I filed a claim. Two claims adjusters came out to review the problem and took a ton of photos. After four days they called to say the cause of the problem was EARTHY MOVEMENT! WHAT?? Didn't you see the huge root? Yes we did, but the earth movement may be related to the tree root, but it was nonetheless related to earth movement and that is not covered by your policy. I have had the policy with Travelers for over 30 years and have never filed a claim, so I guess I have not had insurance all of these years because if they don't cover this what do they cover. My policy on this house and two other homes will be cancelled as soon as this is settled, probably in court!

    Thanks for your vote!
    Claims HandlingCoverageStaff

    Reviewed July 10, 2019

    Building next door under massive renovation. They had contractor spray paint and other chemicals to upgrade large outdoor parking garage. As a result, cloud of super potent fumes for more than 5 days seeped into my apartment. Family couldn’t breathe and become lightheaded immediately. Have 6 month old baby at home. Have to protect child’s health. Immediately went to hotel. Specifically paid up for Loss of Use coverage on my policy. Filed claim and Travelers denied. Will have to hire public adjuster or sue and call local media to let public know that this company does not cover you for anything. ONLY sucks your money! They don’t care about you or your family! AVOID AT ALL COSTS.

    Thanks for your vote!
    Staff

    Reviewed July 4, 2019

    Sewage back up, put in claim. First thing out of his mouth is "I'm not paying that." I asked about hotel for 2 days while they do repairs. He said, "No I don't see you need that." But I cannot use my facilities, shower, **, shave, but no. So I call up Travelers and yes, I'm covered for hotel if my home cannot be used but it's up to the claims adjuster to determine. But they determine I don't need to shower and the use of facilities. Paid my deductible, not sure if they will pay anything. Will have to get a lawyer, loss of time from work etc. I STRONGLY SUGGEST TO STAY AS FAR AWAY FROM TRAVELERS AS YOU CAN.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed July 1, 2019

    WORST insurance company I have ever dealt with. The AC in the unit beside mine blew up and caused my AC unit to malfunction (they are beside one another). State Farm immediately investigated the unit beside mine and reimbursed my neighbour's losses while Travelers denied my claim and said it was 'wear and tear' even though there was indisputable evidence that it was as a result of the unit beside mine. The investigator did not bring appropriate tools to look at the water damage (he only surfacely looked at the walls, which were brown with stains from the unit beside mine). I complained to Mr. Willard ** and Mr. Rod **, both of which were incompetent and ignored the substantive evidence I presented to them. As a result, I will have to pursue litigation with them. DO NOT USE THIS COMPANY.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed June 10, 2019

    Opted to not renew my policy because they claimed I didn't submit requested info in a timely manner. I have proof that I submitted the info a year previously. When I spoke to a rep from Geico he said they opted to not renew because of one prior claim from water damage that amounted to $2500. Somebody is not telling the truth. I'm confident it is Travelers (a faceless, poor service, forever-on-hold, greedy [$28.902 billion in revenue in 2017], big business company) who is to blame here. This company will CANCEL your policy with one small claim. DO NOT use them.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed April 18, 2019

    We purchased our home in 2017 and had it insured by Travelers referred by Geico. In 2018 our home suffered a house fire which destroyed enough of the property for us to have to temporarily relocate while repairs were completed. Every aspect of the process in working with Travelers was exhausting, while our initial agent was generally helpful and clear it was also very clear that we had to put in a lot of extra work and examine every detail very carefully to make sure we were not getting ripped off and that we were capturing the amount due to restore us to 'whole'.

    The personal property side was a far worse experience than dealing with the home loss and repair. The personal property agent with Travelers was inconsistent in her communication with us, recommended a shady company to 'restore' our clothing and soft goods called FRSteam. Who cleaned all of our items after we had specifically asked them to not do so until we confirmed exactly which items we wanted to have cleaned.

    During the home repair process our property was then broken into and a number of things stolen from the shed on the property. This resulted in another new claim having to be filed because Travelers said it was UNRELATED to the fire loss. The only reason we suffered theft was due to our home being empty, which was due to fire loss, so, do the math. This additional claim then gave them the perfect reason to justify dropping our coverage as soon as they could. We are looking for a new insurance policy for our home now, and hope we never have to deal with Travelers again.

    Thanks for your vote!
    Claims HandlingCoveragePrice

    Reviewed April 17, 2019

    We have had the same insurance since we bought our house 1991 (Geico to Travelers). We tried to claim 3 times but were denied all three times for various nonsense reasons. We had mold appear under our house and they said it was from groundwater and wasn't covered. When I said they were worthless, complained that we have been customers for 27 years and they have denied every claim he said, "Well, if it makes you feel any better your first 2 would now have a partial reimbursement." NO... it did not make me feel better. So I told him so and said... So I guess this claim will be covered in 10 years but that won't do me any good. This cost us $3,800 and they didn't cover a dime even though we had $5K in mold damage coverage. They are horrible and will do everything in their power to not pay a claim. Stay away and go to another insurance company.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed April 3, 2019

    They're a bunch of thief's! Was only with them for 10 months. They always try and come up with different ways and reasons to raise rates and not just a little they try and ** people over the coles. They tried to raise our home insurance over a supposed "inspection" to almost a thousand more a year. The inspector reported we had a hip roof. Lie it's a a gable. They tried to say we had wood siding. WRONG. It's vinyl. They tried and said we had a 2 car garage. WRONG. It's a one car. They tried to say we had wood floors. Wrong. They never even saw the inside of the house and were never at my house to begin with.

    When we asked them when they did their inspection they lied as we checked our security cameras was never at our house. When we confronted them about it they lied and said they need to reschedule their inspection... Then when we cancelled them for lying they kept charging us for our auto saying we owed them money. Had to call the bank and revoke authorization. Bottom line THEY'RE A BUNCH OF LYING IDIOTS. NEVER DO BUSINESS WITH A INSURANCE COMPANY THAT DOES WORKERS COMP ON THE SIDE....

    Thanks for your vote!
    Customer Service

    Reviewed Feb. 7, 2019

    I switched to Travelers recently. I was told a outside inspection needed to be completed. The inspector harassed me on my cell phone via text messages demanding to come inside my home. After back and forth messages I asked him why he needed to come in to the house when we were told it was just an outside inspection. He said he gets paid more money if we let him in the house. I was appalled at that response and contacted Travelers to report this response and said he was very pushy. They apologized. Would you believe they sent the exact guy out to do the inspection? Then they decided to cancel our policy because "our current siding is stained" and there was debris in our driveway. Keep in mind his visit was just after a storm. Seems a little coincidental maybe even spiteful? Don't even bother calling to get explanations, you will just waste your time.

    Thanks for your vote!
    Staff

    Reviewed Jan. 31, 2019

    My wife and I were in the camp fire. We saw our whole town burn to the ground including 17,000 houses and 288 businesses. We made it out safe but had no idea what to do. Travelers helped us in everything we needed. Corey was a wonderful adjuster and he was a life changer. He provided the immediate assistance through the company with no haggle or hassle. He also gave us great insights and ideas that greatly helped us move on. "I always have heard horror stories about insurance companies. This insurance company took us from a horror story to future hope and quality of living."

    Thanks for your vote!
    Customer ServiceClaims HandlingPunctuality & SpeedStaff

    Reviewed Jan. 17, 2019

    I'm a single working mom with a handicapped child and have had homeowners insurance with Travelers for 30 plus years and 6 houses later with few claims... I had 2 pipes burst from a malfunction in a pressure switch that created a sudden pressure change in the pipes and they burst causing a tremendous amount of water damage to my home in my crawl space, my floors and mold growing everywhere from them leaving my house sitting with no action taken during warm, high humidity level conditions! My hardwood floors cupped and have become discolored, my laminates are peeling up, my carpet is damaged, my insulation remains down and some in tact but still wet against my subfloors and we are facing a Arctic freeze that could cause even more damage!...

    I live in an older home but had none of this until the pipe burst! I didn't see a adjuster for 10 days, I kept calling concerned about the standing water under my house and mold from the high humidity levels at that time and they gave me ServiceMaster's number (7 days later) whom I called and they came out next day and gave a very scary report of tremendous damage and mold growth!... Mold continued to grow!!! I heard nothing and continued to reach out to them out of concern as my house continued to show more damage and mold growth. The first adjuster finally came 10 days later but still nothing was done! They sent a second adjuster out 2 weeks later who says there was no evidence of any standing water in my home and ignored my plumber, the first adjuster, ServiceMaster and hygienist reports!

    I feel very taken advantage of as a single woman! He put us in a hotel while putting me in contact with a relocation company to find housing for 4-6 months while my house would be mitigated... My handicapped daughter had a major surgery and I had to bring her home to the hotel!... Then they denied my claim and gave me 12 hour notice that I had to be out of the hotel and we had to go home to a mold infested house that had been sitting for a long period of time growing more and more mold closed up and more damage surfacing to the floors! I also pay for loss of use and never received, or was offered, reimbursement for gas/mileage, food, etc while displaced. I am far from furious!!! They don't deserve even 1 star!!! SINGLE MOM OF HANDICAPPED CHILD... POLICY HOLDER FOR 30 PLUS YEARS, 6 HOUSES LATER, FEW CLAIMS AND DENIED SUDDEN BURST PIPE CLAIM!!!

    Thanks for your vote!
    CoverageStaff

    Reviewed Dec. 6, 2018

    Their refuse to cover my content loss from a leaking roof that has been dry for the past five years. Hurricane winds and torrential rain tore loose shingles and damaged the roof causing excessive water damage from rainwater coming from the roof. They determined that my dry interior had to have been wet because a Google image from 2012 prior to a resale, showed loose shingles? So my damaged furnishings are not covered. Even though the roof hasn’t leaked since my occupancy in 2013?

    It’s disgusting that they can get away with this. Yes, it’s an old roof, but it didn’t leak until the shingles were ripped off in high winds and it should be covered. Plus, I have mold remediation. The adjuster told me the mold was old on my beams and boxes and took a long time to grow? Mold grows in 24-48 hours and spreads rapidly. So what is he talking about? Do not use this company!!! Horrible experience. Pay money to insure my furnishings and they don’t cover the loss??

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Dec. 6, 2018

    We have GEICO car insurance and we wanted to up our homeowner’s insurance in case anything ever happened to our custom home. GEICO contacted me about their offering of homeowner’s insurance and they connected us with Travelers Insurance. We are now paying three times the amount per year for our policy, but I believed this meant we would receive good coverage if needed. How wrong I was to believe that Travelers was a good insurance company! Our problem began when we decided to remove our older built-in refrigerator and decided to put in a Subzero. When the installer came out and removed the refrigerator, mold was found on the wall behind it. We never knew we had a water or mold issue because it was hidden by the refrigerator.

    I immediately called Travelers Insurance as well as a remediation company. I was told over the phone that Travelers would cover up to $5000 for the remediation and that we had a $2500 deductible. We were fine with it. The Travelers claims adjuster I was assigned to was too lazy to come visit our property. Instead, he asked me if I had an iPhone and if I would download an app to my phone so he could virtually take pictures on his iPad via my phone. I complied. The remediation company then proceeded to do everything they needed to do, ripping out cabinets, drywall, etc. They did an excellent job.

    A third party company came out after several days of clearing out the mold and all of it was gone. Days later I received a call from the Travelers adjuster stating that our claim was denied. He mentioned that "the mold on our brick flooring looked like it had been a while". I told him there was ZERO mold on our brick, and what he was looking at was actually painted brick that had black paint splats. The unprofessionalism and lack of care from Travelers Home Insurance astounds me. Do not choose them for your coverage!

    Thanks for your vote!
    CoveragePriceStaff

    Reviewed Nov. 24, 2018

    I am happy with Travelers. It offers coverage better than I had at a better price, and was convenient to purchase online. Their first proposal exceeded the coverage I had and saved me 600 dollars a year. My agent and the company have been completely accommodating to fulfill my wishes and needs regarding my homeowners insurance. They were very patient to fully explain all aspects I asked about.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Nov. 13, 2018

    My home sustained water damage in August 2018. I immediately filed a claim with Travelers, and had to start restoration right away to avoid further damage. To summarize my experience, the insurance adjuster was very difficult to work with. He did not answer emails or phone calls most of the time, and he failed to contact the restoration companies that I used to repair the damage. He was generally rude and insulting. He then made false statements about contacting the companies, and sent quotes that lowballed the work. Despite appealing to his supervisor and to my local insurance agency, Travelers left me with a substantial portion of the bill to pay beyond my deductible. I rarely file complaints, but I hope someone sees this who is considering where to get their next insurance policy. In my experience, Travelers fails in customer service, does not act in good faith, and low-balls the work that needs to be performed for standard repairs.

    Thanks for your vote!
    Customer Service

    Reviewed Oct. 3, 2018

    Ridiculous stalling period to send my refund. My money. Sold home Sept 4. Called them Sept 8. Inform me I would receive a refund of $1184. It takes 7-10 days. Ok fine. Called Back Sept 23, told me wait 30 days. If they stop payment it’ll take another 30 days. It’s Oct 2. No check.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Aug. 31, 2018

    As with another reviewer, I had a water leak (early 2018) in a line in my third bathroom that I needed to file a claim for because the damage entailed: wall/ ceiling/baseboard removal and drying. The agent that I worked with did a great job in helping me through the process. That is not my issue. My issue comes with my premium getting raised over 50% because of this one claim. I've been with Travelers since 2012.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Aug. 21, 2018

    They have their own adjusters who make estimates, but no specialist to determine what the problem is. They don't agree with the estimates of the repair specialist. Why don't they provide the repairs specialist that works directly with Travelers? I am not renewing my policy. Claims Department is really bad.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed Aug. 1, 2018

    I have been with Travelers for 10 years and had a great experience recently till I had 2 small claims for water damage. One for my water heater which happened about 2-3 years ago and another for a leak from my roof into my kitchen back in June. I get a call yesterday saying they are not renewing my coverage because of these 2 small claims happened within 3 years. Unless you have a huge claim I wouldn't put in any small claims. I had high marks for Travelers till now.

    Thanks for your vote!
    Claims HandlingCoverage

    Reviewed July 9, 2018

    I recently discovered an issue with my roof. A mold specialist identified the issue as a leak, which was confirmed by my roofer as ice damming. I was provided letters from my roofer stating the installation was to specs and the roof was not covered in mold/wrought when replaced 7 yrs ago, and a letter from the shingle company explaining ice damming.

    I contacted my assigned adjuster Rob ** with Travelers who sent out a contractor to assess the damages. While speaking with the adjuster he informed me ice damming would essentially collapse a roof which is contrary to the shingle company's explanation. The contractor incorrectly identified a range hood vent as a shower vent. I was then informed by the adjuster the damages were a result of moisture from my shower and therefore not covered. I requested the contractor re-assess the situation and I would turn on the fans to show it was a range hood vent (cooking grilled cheese clearly wouldn't cause 1/4 of my roof to leak, wrought and mold) and I offered to provide the documentation identifying the issue as a result of ice damming.

    At this time I was informed the mold and wrought would not be covered. Please explain to me how ice damming is covered but the damages from the ice damming are not covered... or how a contractor who can't identify a range hood vent from a shower vent can determine my claim? Am I really to accept my claim was denied without an actual qualified person looking at the issue.

    Updated on July 19, 2018: My latest conversation was this: Travelers cannot determine the cause of the damage. I advised the adjustor I had three subject matter experts identify the problem for them and provide documentation confirming ice damming. I advised no claim was submitted at the exact moment of ice damming as I do not conduct daily home inspections. While I recognise mold is not covered under my policy, water was absorbed into the attic through ice damming and the affected area was not fixed previously.

    The adjustor stated this type of damage wouldn't occur from ice damming (but they can't identify the cause). According to Travelers, if ice damming caused water to enter into the attic everything would have dried up without damage. Therefore, the subject matter experts are wrong and there is an unidentified issue that magically appeared 21 yrs after the house was built but again not ice damming. Traveler's adjustors opinions apparently trump experts in determining your claim. As far as Travelers is concerned this incident is not covered.

    Thanks for your vote!
    Claims Handling

    Reviewed June 19, 2018

    Our roof leaked after several severe thunderstorms while we were away. It created a huge stain on the foyer ceiling and hardwood floors. Who know what kind of mess it made in the insulation and obviously, the water didn’t come from pipes or air conditioner as they are on the complete opposite side of the house. Inspector came with drones. Examined roof. Said no visible damage. Really? Did you miss the stain on the ceiling, the stain on the wood floors and the damp smell in the attic?

    He said - "...this is about $800 worth of damage. And your deductible is $500 and I’ll put a claim in for you, but they may dump you". So after 18 years of spending $2400 a month for exact replacement insurance plus contents with not a single claim... And let me add that we cleaned up after several storms in the past removing trees etc on our own bill... That this was their idea of helping us when we had real damage? $800 my **. So $11, 000 for a new roof, $ 1200 for drywall repair, $300 to repaint the ceiling, and god only knows how much to fix the floor, all I have to say is bye-bye Travelers.

    Thanks for your vote!
    Customer Service

    Reviewed June 12, 2018

    Telephone and online response is good, especially like access to documents via online App. Discounts are applied for multiple events, like driver training, multiple policies, etc.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed June 9, 2018

    After hurricane Sandy they sent a team in to handle claims, great job. The people that handled our claim cared - truly a great experience.

    Thanks for your vote!
    Staff

    Reviewed June 5, 2018

    I have trusted them for over 30 years with all my properties. Once my house burned down and they were wonderful and understanding. I have no complaints.

    Thanks for your vote!

    Reviewed June 4, 2018

    Travelers insurance offers excellent rates for first time homebuyers who are taking on extra financial responsibility. When I called around to compare rates, Travelers had the best to offer for the same amount of coverage as its major competitors.

    Thanks for your vote!
    CoveragePrice

    Reviewed May 31, 2018

    As far a value Travelers' great. Less expensive than the Hartford through AARP and others I compared with the same coverage. I have both car and homeowners insurance through this company.

    Thanks for your vote!
    CoveragePrice

    Reviewed May 30, 2018

    I am a firm believer in insurance if the need ever arises. I am basically happy with our homeowners insurance except for a few minor hiccups. We did have a long battle with Travelers over the replacement value of the house. They wanted to use the assessed value of the home. The assessed value includes the property that the home sets on. Unless there is a major holocaust, the dirt the house sets on probably does not need to be insured. We cannot afford earthquake coverage and it is not offered at a reasonable price.

    Thanks for your vote!
    Verified purchase
    Customer ServiceClaims HandlingPriceStaff

    Reviewed April 17, 2018

    I have been having my property insurance with Travelers for last fourteen years. Prior to buying (closing) back in 06/2004; Travelers appraised the property through a company of their choice with living area of 2,294 square feet. I recently contacted the appraisal company and they have provided me all documentation to prove 2,294 square feet as living/building area. Since my renewal date of the policy is in June and I called Travelers to review the policy. I was shocked to know; as per Travelers record; the living/building area of the property is 2,909 square footage instead 2,294 square footage. The Travelers guy told me; it was underwriter fault. Then he advised me to contact the local county office to get the plat (drawing) of the property. I was able to get the certified copy of the plat as well as copy of the public record of the property from County office.

    I submitted all these documents to Travelers to be reviewed by underwriters team. After waiting of ten days; I made follow up with Travelers; still underwriters team was failed to come up with verdict. I did not make any change/modification in the property since 2004. Travelers made me to pay extra premium for the difference in square footage as well as rebuilding (dwelling) cost of the property. I have made about fifteen phone calls and spent hours of my precious time with stress and strain as it was huge monetary loss to me due to Travelers mistake. I have paid my premium on time putting my trust in Travelers with no claim in fourteen years. My dispute is still dangling in the air with no resolution by Travelers. I got ten different opinions from fifteen different people from Travelers.

    Now I got premium quote from another insurance competitor and they gave me premium quote about $250 less than what I am paying to Travelers per year because of the discrepancy. And this company used public record of the property from the County website. I will wait for a few more days for Travelers to come up with resolution to my satisfaction. They should either make the correction in the record or they should send an independent appraiser to appraise the property at their cost. And they should refund my money back otherwise I will take my business (auto and umbrella policies) to another insurance company.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed March 27, 2018

    I filed a claim with them because I got rear-ended and this is the company that the other driver had (I have always had Mercury). I spoke to a CSR at the 800 number and after a preliminary conversation was told I would be contacted by an investigator. After a week of going back and forth with Tamika the investigator I get a call from another agent, Christina, who is from an office in my state asking me questions I had already gone over twice, once with the person at the 800 number and again with Tamika. There was NO HANDOFF from Tamika to Christina the adjuster and I had NO IDEA at this point that Travelers was having an issue reaching the person who hit me to get a statement or photos of their car - I just got a random call from the NEXT person who assumed 1) I knew who she was, 2) I knew that my case had been transferred and 3) that I knew what she was talking about.

    So now I'm talking to a person who is 'local' to me which just meant their office happened to be in my state (I live in Southern California, she was in Central/North Cali) and Christina tells me the photos I provided to Tamika are dark and they can't see my car. I took the photos around 9am while at work on full sunlight on a beautiful California day... What exactly is dark Christina?

    I had gotten an estimate from the body shop my dealership uses exclusively and provided this to Travelers. I spoke to a few other people from this insurance company and they all assured me I would have no issues and they would provide OEM parts. Long story short - they didn't and when I tried to remedy the issue with Christina and her Supervisor Justin from the Rancho Cordova office they REFUSED, and I mean flat out REFUSED to make it right. They showed zero ethical remorse for the fact I had been given bad information from another Travelers agent and told me 'it’s their policy' and that they weren't going to try and do anything. Overall, I was basically lied to, treated like I didn't matter as a customer, was ignored, dismissed and left having to deal with the consequences OF THEIR shortcomings on my new car.

    Thanks for your vote!
    Claims HandlingCoveragePunctuality & SpeedStaff

    Reviewed Feb. 22, 2018

    After having a pipe burst in our wall, we called our insurance company to file a claim. The property claim agent with whom I spoke addressed my concerns immediately and walked me through the claims process. It was a manageable process and was handled by Travelers quickly and efficiently. The agent has been available when we have questions or concern. I will recommend Travelers in the future and have recommended Travelers in the past. I find the service reliable and the products very comparable to other companies in coverage and pricing.

    Thanks for your vote!

    Reviewed Feb. 13, 2018

    They were right here when a tree fell on my roof. They saw the tree and asked if it was my tree or the neighbors and I told them It was mine and cut a check right there and then.

    Thanks for your vote!
    Customer ServiceClaims Handling

    Reviewed Feb. 10, 2018

    In PA , the Supreme Court ruled (in favor of policyholders)... 1) that the insurer did not have a reasonable basis for denying benefits under the policy and (2) that the insurer knew or recklessly disregarded its lack of a reasonable basis in denying the claim... Travelers is so arrogant they believe this does not apply to them. As a policy holder, filing a claim for a pinhole copper pipe leak under my main bathroom (only) shower tub, I noticed dripping and called Travelers to explain the situation and ask for the proper steps to take to avoid claim problems. I hung up immediately, called the plumber and the water to the main bathroom was shut off.

    Two days later the claims adjuster evaluates the visual only damages, writes a check minus the deductible and depreciation and tells me plumbing costs are not included. I ask him what if hidden damage is uncovered. His response is he can’t see behind walls. If I find anything further to call him. I have no information regarding MOISTURE METERS.

    There is a problem, the demolition contractor removes the water damaged area and finds the beginning of mold growth and the entire (small home) finished basement is gutted. So sad for me that suddenly the claims adjuster is unavailable, sick, in training, etc. I speak with his supervisor and am told my moldy house is not his problem. I report him and the adjuster to travelers consumer affairs and ask to speak to management. I called repeatedly until “the director” called me who demanded to know who authorized me to do this work. Why was not a lab mold sample taken, etc. He was speaking in such a loud voice. I raised my volume and said it was visible mold, not hidden. He then proceeds to tell me I am yelling. :)

    And I don’t know what I am doing and he has been doing this for twenty years - CLICK I had to hang up as it was clear I was not going to have a valid basis for denial. So here is what is in my policy and mold removal related to an incident (not neglect), hauling away of debris and damaged property, law and ordinance up to 10% (in building cavity return duct to HVAC removed) and living expenses (no shower). Refusal of claim payment without a reasonable basis for denial and reckless disregard for a reasonable basis = BAD FAITH INSURANCE COMPANY. My first step is reporting Travelers to the PA department of insurance. My next step if this can not be resolved with the state regulations, I will hire a lawyer.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed Jan. 29, 2018

    It is very unfortunate to see that an insurance company that you hardly ever deal with (because that's the nature of the business) is not there when you need them the most. When it comes to liability, they protect the insurance company, not the insured person. Zero stars for having the lowest standards when determining if the insured person is liable or not. Hardly no investigation and very rude way of dealing with the customer.

    Thanks for your vote!
    Coverage

    Reviewed Jan. 25, 2018

    Can a fiberglass insulation problem in my house that developed, Travelers Insurance refused to cover the damage to fiberglass has caused. They stated that it was faulty, inadequate or defective. They have so many exclusions in their policy to get out of paying any type of damages. You'd be better off going with another Insurance Company. I'm sorry I ever hooked up with these people.

    Thanks for your vote!
    Claims Handling

    Reviewed Jan. 18, 2018

    BEEN WITH TRAVELERS HOMEOWNERS (2 properties) for 26 years... Had two claims, one in 2015 and one in 2017. Because of these claims they chose not to renew my policy. Seems illegal... I have paid them for one home premiums over 26 years totaling $213,200 and the claims totaled $27,000. One for water damage and one for a small fire in geothermal system. I would give them 0 stars and recommend homeowners do not go with Travelers. Find a more reputable company. There is no loyalty to customers. I have submitted a complaint to the State of Mass.!!!

    Thanks for your vote!
    Verified purchase
    CoverageStaff

    Reviewed Jan. 6, 2018

    I have never had an accident caused by me ever. I had a lady hit my car in Sewickley PA. Travelers Insurance never ever investigated it and you can ask Sewickley police department. They never paid a medical bill I had from being hit and hurt on McKnight road in Pittsburgh PA. They sent me a nonrenewal letter and now wherever I apply for insurance it’s very high for doing nothing wrong. No justice in America this time around. I have filed a complaint with the state of PA and they right to know. Let’s see if I get justice. If not you will see me on KDKA about this matter.

    Thanks for your vote!
    CoveragePricePunctuality & Speed

    Reviewed Dec. 1, 2017

    I gave Travelers Insurance 1 star, because there were no zeros. I bought homeowners insurance from Travelers. They lured me in with a good price. A few weeks later an insurance under-writer was running all over my private property taking pictures. I then got a notice that describing the exercise bike and garden pots on my porch as trash. I had 14 days to get rid of the stuff, make a number of other repairs and throw out the bricks I was saving to do my driveway. When I didn't get it done in time, Travelers cancelled my insurance and told my mortgage company. Stay away! This is insurance WITH a hassle. Bad faith company. They forgot they work you!

    Thanks for your vote!
    Verified purchase

    Reviewed Nov. 3, 2017

    I sustained hail damage to my roof. My claim was first denied due to no damage, I then had a licensed roofer confirm there was damage. Travelers agreed to come back out with the roofer, however only agreed to pay for partial roof replacement which leaves my home looking terrible. I will have mismatched roof and live in an HOA where this will not be approved. All other major carriers in my area agreed to replace the homeowner's entire roof! MY HOA will not accept this and Travelers was very argumentative when I tried to discuss this with them. I am now going to leave the carrier!!

    Thanks for your vote!
    Claims HandlingCoveragePrice

    Reviewed Oct. 30, 2017

    They gladly take your large sum of money each year, but don't ever try to actually use your insurance. First time trying to file a claim in 30 years of home ownership and they do everything possible not to pay. We pay them near $6000 a year for all our different coverage and all that we get are lies and arrogance from the claim adjuster and his boss. I can't begin to say how HORRIBLE their service is. Taking our business elsewhere and going to do everything I can to cost them as much business as possible. Hope saving the $3000 or so was worth it to them.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed Oct. 11, 2017

    I bought an almost 1400 dollar policy on my house that was supposedly covering everything. We had some damage to our door during the Irma storm which caused the water from the rain to also leak in and cause floor damage on top of that. After I contacted my insurance they created a claim and I had to call them for weeks to never get a call back from my claim specialist and finally I received a letter that stated they didn't cover anything caused by nature, humans, plants, animals, etc. so I realized that my coverage was a joke and called and cancelled my policy. The funny part is that 15 minutes after cancellation I received a call from the claim specialist who wouldn't call me back for weeks.

    Thanks for your vote!
    Verified purchase
    Customer ServiceStaff

    Reviewed Oct. 3, 2017

    Be aware, this company plain and simple violate the law, if you have a lost, first step don't allowed them to send you an adjuster of their own. They are incompetents and irresponsibles. They never will return calls etc, use your right to hire a public adjuster. He will be fair, it is your right but homeowners don't know, they will cheat you and they will cheat the contractor, they refuse to pay for the contractor overhead and profits, even when there is the invented rule of tree trades, even when the job is complex, anyway that have nothing to do with overhead and profits, they don't respect the Texas law requires insurance to paid when a contractor have been hire by a homeowners, by not paying they are practically Stealing from the homeowner and the contractor, this affect the homeowner for quality and warranties etc. I am about to sue this company for malpractice and cheating. Beware. Stay away from this crooks.

    Thanks for your vote!
    CoveragePrice

    Reviewed Sept. 7, 2017

    It makes me feel secure and doesn't cost an arm and a leg. The price of coverage I have is very fair, only about $200 and something a year. If I did ever have to make a claim, which I hope never happens, I'd receive the benefits I've been paying for all these years. But I have no reason not to trust Travelers.

    Thanks for your vote!
    Claims HandlingCoverage

    Reviewed July 18, 2017

    I have had the Travelers Insurance for my home for over 9 years and paid the premium on-time. Recently, the toilet tank line bursted and flooded the entire upstairs and 1st floor. It ruined my entire kitchen, bathrooms, carpets, floors, dry walls and the garage. I immediately called the company and filed the claim. The adjuster Erick showed up with a Restoration company called Servpro. After looking at the damage, he sent immediately a denial letter stating that it bursted due to a wear and tear and the water damage is not covered in my policy. The pipe had no sign of any wear and tear. There were no water stain on the floor to prove their point, but they can get away from paying the claim if they say that it was due to wear and tear which means we did not take care of it so according to the rule, they don't have to pay for the claim. It's a company which will say and do anything to avoid paying any claim. So they will come up with made up stories.

    If that was not enough, they even cancelled my policy saying that the "property is changed"??? The property had inside damage by water which had to be fixed, but again they want to get away by saying these specific words which could legally get them out of the hook. What a phony, fake, criminal organization who only knows how to take your money and the minute you file a claim, they will deny to pay for it and for sure will cancel it. It's called legal robbery!! I wish if I could give them ZERO star. Whoever have their policy should wake up and immediately change it to another reputable company before they fall victim to this horrendous company. It reminds me of a movie called Devil's Triangle of the 70's.

    Thanks for your vote!
    CoveragePrice

    Reviewed July 7, 2017

    Incident with Travelers Homeowners Insurance. We have held Travelers Homeowners and Auto policies since 2001. Up to this point we have been very satisfied their product and service. Unfortunately, that is not the case now. At the beginning of May 2017, I noticed a blackened spot on the wall in our hall bathroom. It was between the shower and toilet. I sent a sample of it to PRO-LAB and received the Certificate of Mold Analysis the end of May 2017. The results identified the sample as Stachybotrys, also known as black mold. After consulting the Center for Disease Control, US Environmental Protection Agency, and National Institute of Environmental Health Sciences, I realized the implications of this situation on my family's health. I also discovered the importance of having a licensed, certified Water Mitigation and Mold Removal Company, to fully remove it.

    In addition, I discovered that should we decide to sell our home, a certification from a credible Mold Remediation Company would be necessary to state that all mold and damage had been removed and repaired to safety standards. I contacted Bio Safety Clean and Chris ** came to my home on 6/26/2017. He did a full inspection and confirmed that the mold in the hall bath was Black Mold and needed to be removed immediately for my family's health. He also found there is extensive water readings within the wall behind the vanity, toilet, and tub/shower, basically the whole bathroom. The smell is not only in the bathroom but is also in the entry/living area, which shares a wall.

    In order to find the source of this water and remove all of the mold it is necessary to completely gut the bathroom, clean up all mold, determine where the water leak is coming from, repair this leak, and then install all new vanity, sink & counter, fixtures, shower walls, medicine cabinet, dry wall, paint, etc. On 6/26/2017, Chris emailed me the estimate to forward to Travelers Homeowners Insurance. The estimate was for $5630.99. I placed a claim with Travelers Homeowners Insurance on that same day, 6/26/2017. On 6/30/2017, the adjuster for Travelers and Chris ** with Bio Clean met at my home. The adjuster was emailed the report from PRO-LAB identifying the mold so he was fully aware of the black mold. Chris ** reviewed with the adjuster the estimate and why items on the estimate needed to be done to completely remove the mold and water.

    I am concerned that the adjuster has little or no experience in water mitigation and mold remediation. I received the estimate from Travelers on 7/3/2017 and the total was $6687.78 minus $1000 deductible for $5687.78. This estimate supposedly included the amount for water mitigation, removal of mold, and rebuild. After reviewing the estimate it is clear that Travelers has not considered the full extent of the water problem or mold infestation. The breakdown of the estimate is as follows: Water Mitigation $1149.22. Mold Remediation $1134.40. Rebuild $4404.16. As you can see, Travelers is agreeing to pay is $2,283 for Water Mitigation and Mold Remediation. According to this estimate, Travelers is only covering a portion of Bio Clean's water mitigation and mold remediation and a portion of rebuilding of our bathroom.

    **THERE WAS MORE MOLD FOUND IN BATHROOM DUE TO LEAKING PIPE WHICH MEANS THE COST WILL INCREASE. Items omitted from the estimate: Extended Stay cost upfront - $1065.40. Cost of items that had to be thrown away due to mold exposure - $1500. Cost of water and mold inspection by Bio Clean for $100. Loss of use for 10 days? I am also concerned that based on Travelers estimate the work would not be performed according to the Institute of Inspection Cleaning and Restoration Corticated Standards. The standards are as follows: Professional Water Damage Restoration $500. Professional Mold Remediation $520.

    If these standards are not followed we will not be able obtain a certificate that our home is free from water and mold. We would never have assurance that the water and mold has been fully removed and we would be unable to sell our home in the future since we would have not way of verifying that this problem was dealt with correctly. In addition, I have obtained an estimate from a licensed contractor through Home Depot that gave me a figure of approximately $7000 to restore my bathroom to full use. Clearly, Travelers estimate of $4404.16 will not fully put our bathroom back to full use. As you can imagine I find all of this very troubling. My family's health and welfare are at stake. I am sure you would feel the same if this were your family.

    Thanks for your vote!
    Verified purchase

    Reviewed June 29, 2017

    Most of our neighborhood will have their roof replaced and APPROVED by their insurance companies due to hail damages that occurred last February 2017. I had mine DENIED by Travelers two times (two adjusters came in on two separate occasions). Even with the presence of Roofing Contractors (by the way, they say that it differs with the guidelines of insurers). This only means that their guidelines are not homeowners friendly. Consider other options even if this insurer is cheaper because for the long term... you will be at the LOSING corner.

    Thanks for your vote!

    Reviewed June 25, 2017

    An unforeseen, very emotionally charged and sad experience with my dog and a child who received 18 stitches due to dog scratches. The episode occurred on my property. The dog had never been aggressive before and had been raised for 4 years with the child next door. The child, no doubt, played a role in provoking the dog, but the dog could no longer be trusted and was euthanized. The child healed well with no scars but Travelers Homeowner's Insurance, who contacted me the homeowner once in almost 2 years, paid out $25K to the obvious money grubbers. Now everyone will know why premiums continue to rise when they dole out money like this.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed June 16, 2017

    I am stuck with Travelers for homeowners and can't wait to drop them. I bought them for my home purchase settlement (2009) through AAA, which I had for auto emergency service. I got a good rate which convinced me of the decision to purchase their insurance. The rate was about $400/year, now it has been $904/year since I had a claim 5 years ago. We had a "100 year rain event" that wore out my sump pump and consequently the sump pit backed up into the basement. My wife had just moved in and had many things, including furniture, stored in the basement. What a mess. We filed and were paid only $5000; they said was the policy coverage limit. Since that date we have paid more than double, as mentioned, the premium and can't switch companies due to only ONE claim.

    I called Travelers for info to save money and better afford this policy that I am stuck with, but little help. I then just called to find out what my refund from the annual premium payment would be when I cancel 2 months after renewal. They again can't give me the "short rate refund" amount. I want to know in advance if it will be cost effective to cancel and change COMPANIES after renewal or if the "refund" penalty is more than the savings. I was told that they can't calculate that; I had to wait till after the renewal. I told them that there are numerous "short rate refund" calculators online why can't you just tell me, I need to know if your company charges any other fees. The answer was, NO, can't give you that information. Again, no answers to logical questions.

    Thanks for your vote!
    Verified purchase
    CoveragePrice

    Reviewed June 13, 2017

    I was insured by Travelers for years. I had no idea I was being overcharged until I left them and went to USAA. This is when I found out I was being overcharged. They were charging me for 1800 square feet when my house is only 1300 square feet. They are now claiming that they cannot find my info since I left the company.

    Thanks for your vote!
    Claims HandlingCoverageStaff

    Reviewed May 12, 2017

    The ONLY reason this is a one star rating is for our insurance adjuster. He was the BEST at helping us with our claims and getting us covered for what was needed. But now that our claim is about to close, we got a letter stating that they are dropping us because we filed a claim. What a jerk company. Seriously!!! Isn't that the purpose of having homeowners insurance? To use for when a bad thing happens to your home? But not drop a client because we use the money that we put into the company??? I'm so sorry my adjuster works for such a horrible company. Makes a nice man look evil like the company he works for. But he was the best. If I had to do it over again, I would not choose Travelers. I would have steered way far clear of them. I'm actually quite hurt (literally heartbroken) that a company would do something like this. I have a few choice words for them.

    Thanks for your vote!
    Claims HandlingCoverageStaff

    Reviewed April 27, 2017

    We recently had a bad hailstorm in our neighborhood. Travelers came out to inspect... sending a adjuster and hired one from 2 hours away when one was local. They decided that the front part of our roof and a sunroom was damaged but not the backside of the roof. However, the sunroom tires into the backside of the roof and unless God was throwing knuckleballs with the hail you would have to suspend the laws of physics for the backside of the roof not to be as damaged as the sunroom. So they want to pay for a partial replacement... which is in effect a patch. My agent says that if I was with another carrier and wanted Travelers to write my homeowners... THEY WOULD NOT WRITE A PATCHED ROOF.

    Guy beside me had his entire roof replaced as did the 2 on the other side and 2 across the street. Our roofer who has more credentials and certifications than a medical doctor could not believe what they were saying or did... and this roofer told 2 others on the backside of the area they DID NOT have any damage. So they are not trolling for business and have a impeccable reputation. No wonder Travelers is near the bottom of JD Powers ratings. Run from them and never do business with them if you want a company that will stand by you. This is the first ever claim, never been late on a payment NOR did I pay for half premiums or half coverage. They are a major ripoff.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed April 27, 2017

    After paying our premium and purchasing our new (very old) home we were suddenly dropped by Travelers. Without a phone call or conversation about the property, they made assumptions and dropped us. They sent an inspector while we were in the middle of removing 3,000 lbs of left behind belongings and trash from the house from the previous owner. We had pulled aside all scrap metal so it could be recycled and placed it in a pile. This displeased the inspector.

    We began the complete renovation on the inside and hadn't started on the exterior yet, but he didn't like the peeling paint he saw. We were also cited for overhanging trees. In the 30 days we had the property, this had not been checked off our to-do list, but the removal of tree limbs was fast approaching had they just asked us. I am appalled by the lack of communication. We would have happily made all the recommended improvements immediately had they asked. Now we have no homeowners insurance and an unhappy mortgage company.

    Thanks for your vote!
    Claims HandlingPrice

    Reviewed April 7, 2017

    I had a claim and they quoted me one price. But when the guy wrote out the check it wasn't even half of the quote. I will never use Travelers again.

    Thanks for your vote!
    Claims HandlingPrice

    Reviewed April 3, 2017

    Rates keep climbing with no losses and the claims service is poor because the adjuster never pays you the amount it takes to complete repairs and overestimates the replacement cost of your dwelling so they can increase the premium.

    Thanks for your vote!
    CoveragePunctuality & Speed

    Reviewed Feb. 28, 2017

    Travelers Insurance via Paramount Insurance Group accepted my monthly premium on time every month and applied it to an account of someone with my same name at a different address. They now are REFUSING to cover my home during that year because THEY made a mistake. They are stealing a YEARS WORTH OF PAYMENTS and refusing to provide the coverage I paid for. I did nothing wrong and no one should ever trust Travelers Insurance. They make mistakes and YOU pay for them.

    Thanks for your vote!

    Reviewed Jan. 21, 2017

    My office suffered water damage from a rainstorm. The rain entered my office through the roof while under replacement causing approximately $75,000.00 worth of damage. I suffered ceiling and wall damage, electrical damage, computer and equipment damage as well as loss of business. I have been paying premiums for 20 plus years and when I really needed Travelers, they refuse to pay anything. I spoke with supervisors and the Vice President of claims and they will not change their position and do the right thing and pay the claim. What a false sense of security. I would not want anyone else to go through this!

    Thanks for your vote!
    Verified purchase
    Customer ServiceCoveragePrice

    Reviewed Nov. 4, 2016

    I changed my auto insurance to GEICO and let them transfer me to one of their recommended Homeowners Ins Co which happened to be Travelers Homeowners Insurance. They quoted me a price which was a few dollars less than my previous insurance policy with another company, but as I was unsatisfied with my previous company and they did a lot of pressuring to purchase that day, I agreed to go with them. Now a month or so later, I get a letter stating that they had someone come to do a physical estimate of my home replacement value and it seems to be $30,000 more than previously stated, so my insurance will go up $60 - $70 a year more than what I was quoted.

    When I called about it, I let them know how unhappy I was and if I had been given that quote for more than I was already paying I would never have changed my policy to them. Seems like they get you signed, then it just so happens you are not insured for enough so they increase your amount and there is nothing you can do about it. I will be looking around for a new company when renewal time comes up and do not recommend Travelers Homeowners Insurance to anyone else.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Oct. 26, 2016

    We are first time homeowners and first time ever having to deal with insurance claims and how the process works. To begin we had a fire that started in our kitchen which in turn caused a lot of damage and we had to stay in a hotel for pretty much three weeks. Not a very big kitchen and Travelers called in ServPro who in turn took longer than needed to clean up the damage. Brought in a machine to clear the air but the furniture was still in the home which was later deemed too smoke filled to clean which made no sense to continue running the machine with the furniture in place. Second the claims ServPro was submitting every day had incorrect times listed; we have a camera on the home and watched the activity... No one seemed interested.

    After receiving a check all of the estimates were more than 3000 more than what we received and then to find out we were to pay ServPro from the check. "Had" no idea. Was told that estimated listed it all. Could not reach the agent for more than two weeks due to a family matter and no one called or return calls with our confirms about the estimate, not being able to find a good contractor and pretty much everyone we reached out to did not contact us back.. Once company stated they don't work with Travelers.Pretty much they shortcut the clients. The kitchen is now to the point that we could just get out of the hotel and back home. And we are paying out of pocket trying to fix things ourselves.

    Pay insurance for 4 years and when we needed them they disappointed us. Not only are we without furniture, have to find a way to pay ServPro for their fraudulent service. We have to find a way to get a window in that was caused by fire. The agent should have went over everything with us and Travelers should have had someone assisting him while out on a personal family matter. This is a complete nightmare for me and my family and truthfully aside from the customer service call. Hurting.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoveragePricePunctuality & SpeedStaff

    Reviewed Oct. 25, 2016

    I am now in week 2 of a claim filed on my rental property in which Our AC compressor unit was stolen from the back of our home. Travelers has delayed and found every reason not to appropriately replace. Must I remind you that the home can't function without it. I have interacted with two individuals Takeisha ** and her supervisor Doug ** who are horrible representatives for this company, are unable to effectively deal with paying customers and devoid of customer service skills.

    Anyone considering using this company should RUN AS FAST AS YOU CAN. This company is like a used car salesman on steroids. I wish I had read these reviews a long time ago but now that I have this unwanted experience their contract will not be renewed. Travelers will find any way to minimize their pay out for a claim by using their own "depreciation values" on items. This depreciation value they quote comes from an nonvalidated computer program they have and is in place so that you essentially are stuck paying for what they should.

    When trying to tease out details they talk in circles with no substance yet dig their heels in regarding their payout amount. Prior to becoming a landlord I lived in the house in question and was insured by State Farm. In my 15 years with State Farm there was one home claim issued and 2 car claims which were promptly addressed. Any disputes we found areas of compromise and I never heard of additional company-manufactured depreciation costs. You should never consider Travelers and go to State Farm instead.

    When I initially filed the claim on my property for the missing compressor it took Takeisha ** 3 days to contact me and according to her she had 48 hours and since I called after 5pm the clock didn't start until the next day (AWESOME CUSTOMER SERVICE). This was followed by a series on nonproductive phone calls filled with non chalance and lacking any clear reason as to why the cost of replacement this company arrived at was 1500 dollars less than the cost listed by the HVAC company THEY contracted to assess the property.

    The cherry on top was that I would have to pay up front then they would mail a check which is a reimbursement. They struggled with the concept that their paying for this is different from them reimbursing me. I provided various analogies to try and illustrate the point at which time they pivoted to a different issue. I offered that they pay the contractor directly which also fell on deaf ears given the shady nature of this company.

    When I insisted on speaking to the manager Doug ** it became perfectly clear how Takeisha ** ended up with the poor customer relation skills. He never once apologized for the now 2 week delay. He has clearly received a PhD in ** which I see through completely. I can't remember the last time I dealt with two employees of a company that were so horrible. DO NOT USE THIS COMPANY. As with most things you pay for what you get. Thankfully GEICO covers our bigger policy but sold us down the river to this horrendous company for Landlord insurance.

    Thanks for your vote!
    Verified purchase
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Oct. 2, 2016

    After 20 years of never filing a claim and paying expensive premiums for auto and home called for a porch roof leak. The appraiser came said the roof was over 5 years old. He was very rude but then gave us some hope when he took pictures of the damage. Later that month we got a letter in the mail they were canceling our insurance because there was chipped paint from our well maintained stucco home that they saw in the picture! Never wrote a review in my life but hopefully can help others from giving this company any opportunity to rip them off. We immediately got coverage with Triple A and it was less expensive and we have had no claims but they could not believe when they saw our home Travelers canceled us!

    Thanks for your vote!

    Reviewed Sept. 30, 2016

    Travelers screwed up my home insurance. I escrow with my mortgage company and they made me pay my own premium!!! They sent back three checks to the mortgage company because they simply do not know what they are doing!!!

    Thanks for your vote!
    Claims Handling

    Reviewed Sept. 23, 2016

    We have a homeowners policy with Travelers Insurance. We did a lot of shopping before signing with them and have been happy with their services up until now. For some back story, we have very limited choices in our area due to brush, so our premiums are already high at $3300.00 per year. This year, we had a contractor steal our camera while on site. We had no proof of the theft, but a 9k claim was made and paid quite efficiently. Our renewal notice came up and our premium jumped an additional 60% to $5300.00 due to the single claim. With as few choices as we have in insurance, we will mostly likely have to stomach the increase. We are, however, incredibly disappointed in their greed. Thanks.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed Sept. 1, 2016

    Travelers didn't inform me that the roof is only covered if it's 10 years or newer. The company they recommended even told me it's not fixable and they don't want to patch it. Travelers still told me they would only pay for a few shingles, not the drywall replacement, not the insulation replacement. The roof was inspected 1 year ago but now it's old and needs replaced but they won't help. Be careful and don't go with Travelers because they are cheaper. Huge headache and worst mistake I have made in regards to my home. They only cover new roofs and told me it won't do any good for a 2nd opinion. The adjuster was rude and creepy, made my wife uncomfortable. Horrible experience!!! Very convenient for the insurance company to not cover older roofs. What is insurance for then?

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed Aug. 30, 2016

    I had 3 vehicles insured as well as my homeowners!!! NEVER MISSED A PAYMENT! I had my patio roof redone (which I paid for) and my garage roof done (from an old Farmers claim). My policy was up for renewal and they wanted pictures of my patio roof to verify it was completed EVEN THOUGH I never filed a claim with them! My son got on the roof and took pictures. I sent the pictures as instructed. I asked them if that was all they needed and would I be renewed. They said for me not worry that every was fine!

    Well, I got a letter from my mortgage company saying my homeowners had not been renewed!!! I called Travelers and they told me it was not renewed on 8/15 because they wanted more proof that my roof was completed!!! I sent them receipts that I was paying for my roof monthly from the construction company!! They still did not renew. I NEVER FILED A CLAIM THE WHOLE TIME I HAD THEM!! DON'T USE THIS COMPANY. They're crooks.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Aug. 15, 2016

    We had Travelers Insurance for 10 years, then you file a claim for storm damage. The agent came to our house and told us it would be settled in a week and we said OK then you are probably going to cancel us next week. He said Travelers doesn't work that way, we'll guess what they cancelled us the following week. They said we now have to put a new roof on the house, we plan on doing the roof next year. But they want it done NOW. We have never filed a claim in the 10 years they collected our money.

    Thanks for your vote!
    Coverage

    Reviewed July 21, 2016

    I purchased a 1 year policy and did not renew it. The policy was renewed after the 1 year term without my knowledge, then cancelled after a handful of months. Travelers then attempted to collect payment for the handful of months after the fraudulent renewal through a debt collector.

    Thanks for your vote!
    Claims Handling

    Reviewed July 20, 2016

    I live 900 feet from the great south bay on Long Island. My house was being lifted because of hurricane sandy. My general contractor hired a "rigger" to lift my house. The rigger lifted the house in January 2016, the house fell on Feb. 13th 2016. Our house was on the rigger's insurance policy (as an additional rider for lifting coverage). Guess what??? Travelers refused to pay the claim and now I am homeless and still paying a mortgage. Travelers insurance company stinks!!!

    Thanks for your vote!
    Coverage

    Reviewed July 8, 2016

    Water heater broke Monday. Tuesday Travelers Homeowners Insurance inspector comes to my house and refused coverage stating water damage was long-term! BROKE THE DAY BEFORE!!! Policy canceled. Will never do business again.

    Thanks for your vote!
    CoveragePrice

    Reviewed June 28, 2016

    I paid $200k for our home 12 years ago. We are thinking of selling and despite $70k in updates we'll be lucky to get $200-210k out of it. Travelers gave us a decent quote based on our current homeowners coverage, which is $325k. We switched over, made changes at the bank to escrow insurance through the mortgage payment, etc.

    So now that we're all set they decide to send out an inspector to take pictures (we live modestly at best, with lots of Thrift Store furnishings). Travelers then determined our home is now worth $525k and by the way we owe them over $300 more that they decided this for us. Really?? Which puts them WAY over other quotes we received and we would have chosen these other companies instead had we known this kind of insurance deception. Now we have to cancel the Travelers' policy and start the process over. What a SCAM! How many unfortunate people do they nab with this treachery because those people don't want to have to search for another insurance provider? Well, I'm switching to another company!

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverage

    Reviewed June 13, 2016

    Living in New Mexico hail and hail damage is a pretty rare occurrence; the last hail storm was in 2013 and I can't remember the once before that. I live in a historic neighborhood with Victorian houses. My little cottage has a very steep roof. Recently, after a windstorm I noticed that a shingle had blown off and I called a roofer to repair it. Nearly 70 years old with severe arthritis I wasn't about to climb on the roof myself. My roofer noticed some pretty serious hail damage and I called Travelers Insurance. A claims adjuster came out in a couple of days, climbed on the roof and verified that there was considerable hail damage and said that it was definitely covered and I would receive a check in about a week. Then a week later I received notification that Travelers was denying my claim as it incident had happened over a year ago and I only had a year to report it.

    First of all, I did call them immediately upon my knowledge that there was damage. What did they expect? A woman nearly 70 years old climb up on her roof on a yearly basis to check for hail damage? Sorry, physically impossible! To add insult to injury not only did Traveler's refuse to honor my claim (although they cashed my premium checks quick enough) when I received my renewal notice they had greatly increased my rate!!! Several other neighbors with similar hail damage recently reported the damage to their insurance companies and there wasn't a problem with their coverage. They got their roofs replaced! Who didn't get coverage? Only Travelers clients!! Something's very wrong here. In my personal opinion, Travelers is preying upon senior citizens and I would highly recommend that if you have Travelers you consider cancelling them immediately and if you're looking for homeowners insurance look at any company that ISN'T Travelers!

    Thanks for your vote!
    CoverageStaff

    Reviewed March 28, 2016

    I just had a Travelers Insurance rep look at the roof on my house. About a month ago we had 60-70 mph winds for about 8 hours. During this time many shingles were torn loose from the roof and more were loosened. While picking up shingles in my yard during the wind I could clearly see shingles flapping up.

    Now for the good part, Travelers Insurance agent says THERE IS BARELY ENOUGH DAMAGE TO BE COVERED BY MY DEDUCTIBLE. The roofing contractor said the roof wouldn't last two more years because of the damage. The roof is only 10 years old. Replacement cost is about $16,000.

    Thanks for your vote!
    Claims Handling

    Reviewed March 15, 2016

    Our car along with several other cars were disabled when we drove into a sinkhole that formed 2 days after NJ American Water had completed work on an underground water main pipe in that spot. It has been raining all day and there was dense fog so one car after another was driving into it. My car had to be towed and have the tire replaced and a wheel alignment was necessary. The police had forwarded our incident report and contact information to Travelers Insurance who was handling all the claims for NJ American Water Company. I was just informed that my claim was being denied because Travelers said they were told by NJ American Water that they filled in the hole properly after completing the repair. All Travelers did was accept their word and now we all have been denied. I am going to appeal the denial.

    Thanks for your vote!
    Verified purchase
    Coverage

    Reviewed Feb. 6, 2016

    I am in SC taking care of my mother's home. She passed 2 years ago. I had thoughts of continuing the upkeep of her home and flower garden, once hailed by the local newspaper as flower garden of the month. The home is valued under 100,000 in the south, maybe 150-200,000 in Maryland. I moved into the home on May 24, 2015. The home while not at the value above has far more sentimental value to me because it belonged to my Mother. My family is not wealthy but we subsidized her expenses. Homeowners insurance and forced flood insurance totaled over 2,500. She was in her 80s when she was forced by Nationstar Mortgage company to get the flood insurance. When I came I had and maintain personal property insurance through Assurant Insurance Co... at times my electronic payment information says GEICO. I originally contracted with GEICO. The companies' relationship was never explained.

    Come the flood on October 6, 2015. I called Nationstar and spoke with their representative who connected me to the claims department as we elected to have them purchase the flood insurance through their source at 1,500 per year. My story is very long, bottom line is that the first adjuster said that the WATER damage and mold infestation is not related to the flood. Of course I lived in the home since May and there was none of the damage present. If the home was infested with mold I would not have moved in. Not only did they say that the damage was not from the flood, they said bogus and fabricated statements.

    One was that there was no movement of soil to indicate flooding. I gave the second adjuster a video that I filmed on August 30, 2015 months before the flood. The video was to show the pattern of water running onto the property during a normal rainstorm. I took it to show the City of Sumter so that they would fix the problem which existed years before the flood and at the time that the insurance policy was written. I am now convinced that there was no need for flood insurance. The Atlantic Ocean is 2 hours away, and the nearest ditch is a half block away. My family has lived in the area for over 75 years and there has never been a problem with water from the ditch. I have been speaking with a supervisor who said some pretty stupid and condescending things.

    When I shared with her that I previously owned 6 homes, the last home valued a million dollars and that I fully understood how insurance works. I also explained that I lived in Annapolis, MD, a city that is predominantly water and no one is forced to have flood insurance. She said that she would get back to me in 2 days... it's passed 2 days. I am a senior citizen, living and breathing mold daily. The hardwood floors are buckling from the moisture seeping up from under the house. There is mold in my bedroom... green and black. Servpro measured 19% moisture in my mattress. The hot water heater is out because of the water coming through the roof. All of my clothing and shoes have mold, as well as the kitchen cabinets, and the odor is horrible. The water brought filth and possible feces from the sewer in the street near the house.

    South Carolina was deemed in a state of emergency and my problems are very visible. I found out in my search that FEMA administers all flood insurance. They rushed to the aid of those who had no flood insurance with no questions. I personally know one person who had 4 ft. of wall from the floor up taken out, totally repaired, new furniture and appliances... no flood insurance. I have gone to the media and will continue contacting any place I feel will make the community aware of the treatment I and I am sure others are experiencing. If I am having these challenges dealing with this situation, I can only imagine the elderly, poor or those who just don't know what to do. I am thankful that my Mother does not have to deal with this issue. I have no doubt that if this insurance co told her that she wasn't covered she would just walk away to suffer in this unsafe environment.

    I now understand why consumers don't trust insurance companies. I think that a class action suit might force GEICO to be proactive in selecting those companies they pass unsuspecting customers to. At the least we should be able to make the decision. Had I known that Travelers and Assurant were not GEICO and that GEICO SAYS that they are not related at all, I would not have insured with them... ever. I found this out from a GEICO executive who I was referred to by their CEO. Actually they can say what they want, however, when I dialed GEICO and asked for renter's insurance for my office space in DC, they transferred me... not once advising me that they were transferring me to another company. Please excuse grammatical or spelling errors, if I wordsmithed this, I would probably delete it.

    Thanks for your vote!
    Customer ServiceClaims HandlingStaff

    Reviewed Jan. 20, 2016

    While visiting my family over the 2015 holiday season, my backpack was stolen. In it was my MacBook Pro, along with some sundry items. The experience in getting the claim settled is still not a done deal. Although I provided Travelers with information as soon as they requested it, I still haven't received full compensation for all items stolen, namely, the total amount due me for my MacBook Pro. The claims agent assigned to this case was clearly not totally informed as to how to handle such a case. I was given incomplete information and incorrect information.

    I called her supervisor three times, left messages for him to return my calls, but he never did. The last time I called, this morning, I dialed 0, as instructed, but was put on hold for over ten minutes, when finally I hung up. This is the second time that happened. Terrible service. I did contact their consumer affairs department and am awaiting a call from the supervisor of the supervisor of the agent who was trying to handle this case. Who knows if I will be contacted or not. The only reason I have Travelers is because I got them through GEICO, but have found that their level of customer service in no way approaches that of GEICO. I do plan to file a complaint with GEICO to let them know what I experienced.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Dec. 31, 2015

    Just spoke with an agent who insisted on talking over me. I let my insurance lapse because I got better home insurance from another company. This agent says I am still liable to pay outside of the policy dates. This does not sound correct. I paid for 1 year and 1 year only. Why are they paying for my policy outside the date. If there were some damage outside expired date I BET their excuse would be, "your policy is not paid up to date therefore we can not allow your claim."

    Thanks for your vote!
    Staff

    Reviewed Dec. 1, 2015

    During hurricane Andrew, my king size water bed located on the third floor of my home broke. It flooded all three floors. The adjuster, who was harried because of the hurricane, was in and out of my home in 3 min. He was aware of the significant damage and the level of my furniture and accessories. He was more than fair and awarded me enough to fully restore my home.

    Thanks for your vote!
    Price

    Reviewed Dec. 1, 2015

    Lost power, pipes frozen and burst, paid 100% to fix, nothing on personal items! Stolen property, paid 1500$ on 3890$. Wind storm, no power, subzero weather. I asked for 25% cost on a generator, "nope no way, but if your pipes break we will fix them, but not your personal items." They have offered to replace 12% of my food loss.

    Thanks for your vote!
    CoverageStaff

    Reviewed Dec. 1, 2015

    They said that if I did not ACCEPT a mandatory on site visit to my house for review they would not renew my insurance. And if THEY decide I need more insurance, irregardless of my wishes. Then I was obligated to accept the increased rates or be canceled. So I went with Mercury. They are the BEST!

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed Nov. 24, 2015

    I was forced insurance through my mortgage company at a price of $1500.00. That brought my mortgage payment over $3500.00 a month. The coverage was insane, the company wanted us to have flood insurance. We're not even close to a flood zone. I researched many others, none of them wanted flood insurance and the prices were a lot lower. Finally I found Travelers. Excellent customer service, over $1000.00 less for the same coverage minus flood. I would recommend them to everyone.

    Thanks for your vote!
    Staff

    Reviewed Nov. 13, 2015

    Travelers as a company is pretty good. My issue is with my insurance agent who is non existent. We have been with them for quite a few years and I don't even recall the last time he has contacted us to see if we need to change anything or to at least check in. Because of that I will be shopping for a new company and hopefully someone who at least pretends to care about me and my family.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed Nov. 12, 2015

    This insurance company covered everything we needed. We were able to repair water damage in our ceiling caused by leaky plumbing. Also we got a new roof because of hail damage. They were quick to respond and pay for repairs. Getting the payments for the roof repair to the right party was a little complicated but it was paid.

    Thanks for your vote!
    CoveragePunctuality & SpeedStaff

    Reviewed Nov. 8, 2015

    I am happy and satisfied with my insurance company. I am with my insurance company for the longest time and the service is exceptional. I have never had any sour grapes nor unattended inquiry that is unresolved. I am always treated with respect and professional treatment is at its best. I am happy and satisfied and does not plan to move my coverage with other company anytime soon.

    Thanks for your vote!

    Reviewed Nov. 7, 2015

    No problems. How can they be rated if I have never had any problems with them? It's good that I know that they are there for me, if I need them, do not really understand why I need to use one hundred words to describe my experience with Travelers Ins.

    Thanks for your vote!
    CoverageStaff

    Reviewed Nov. 6, 2015

    We are pretty happy with Travelers. Not only is it our homeowner's insurance, it's also our car insurance with a high deductible. We haven't had to use it yet, thank goodness, but when we do, I think they will treat us right. Our premium isn't too bad. We changed to Travelers about 2 1/2 to 3 years ago from MetLife and we are pretty happy with it. We know if we need it, it's there. When we switch to Travelers, I asked our independent insurance agent if we get a free umbrella, but unfortunately we don't. Our homeowner's insurance make me feel secure.

    Thanks for your vote!
    Customer ServiceCoverage

    Reviewed Nov. 3, 2015

    This company is great. We lived in South Carolina and were in the process of relocation to North Carolina. We had purchased our house about five months before and were having a lot of updates inside. We came to NC to check on the updates and as we were coming down the street, we noticed some of the roof was gone, due to a storm the night before. I immediately called Travelers' 800 number and they had someone come out immediately to cover the roof since more rain was expected that night.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Nov. 1, 2015

    My husband was in a car accident and injured by someone who had Travelers Insurance a few months ago. The person admitted fault and took full responsibility. The car was totaled. No one from the insurance company contacted him. So 5 days later we contacted them. They were extremely RUDE. Tried to get my husband to admit fault. Shady company! His vehicle was paid off, but medical bills, pain/suffering, and days missed work haven't been paid. They won't even return our phone calls (left 5 messages last week). This accident put us in a hardship and they could care less. We are considering hiring an attorney to help us since it's pretty clear they will not offer us a fair settlement and are in no rush. Terrible company!

    Thanks for your vote!
    Claims HandlingPunctuality & SpeedStaff

    Reviewed Nov. 1, 2015

    I recently had multiple leaks in my roof. I went through my insurance company to resolve this problem. To my surprise, they were very kind, helpful & efficient. This was my very first claim & to my surprise, the company acted very quickly and I had my new roof in a matter of around a week.

    Thanks for your vote!
    Claims Handling

    Reviewed Oct. 31, 2015

    Have not had contact with my homeowners insurance company for since my last claim in 2002. There are other experience with the company. The company was very helpful with the claim and the process and payment for the claim. It was very efficient and not much delay in processing the claims.

    Thanks for your vote!
    Verified purchase
    Claims HandlingCoverage

    Reviewed Oct. 30, 2015

    I call Travelers to make a claim in reference to I had mold on my lower level of my house (basement). This was in June. They told me to call a builder and see how much it would cost to refinish and get rid of the mold. This was in June 2015. In October 2015 a claims adjuster just got here. He walked in and stated, "You only got 5,000 worth of coverage, so if it's over 5000, you will have to pay for it yourself." Little did I know that the pipes had burst from the winter and that's what the mold resulted from. This guy wrote up the claim stating my mold comes from lack of taking care of my property. What people will do to stop payment. This is crazy. So now I am fighting with this crazy company which deserves to go out of business.

    Thanks for your vote!
    Coverage

    Reviewed Oct. 28, 2015

    I own seven vehicles and two homes. The second house we have is in an estate. Being in an estate is a problem for some insurance companies. Some companies won't even insure a house that is in an estate. All our vehicles are used for different purposes and I want different coverage for each vehicle. 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 my part and all the policies were done correctly. Having multiple policies the discounted rates were excellent.

    Thanks for your vote!
    CoveragePrice

    Reviewed Oct. 27, 2015

    I was satisfied with the Travelers insurance that I had but the plan needed to be more detailed in the coverage options because much of the policy was very vague in nature and what I mean specifically was the items covered in an actual loss of fire, theft, acts of God and so on. The transparency was not there to make a more informed decision with initial choosing of the type of plan that would fit myself and my particular needs at the time. The area I was most satisfied was the cost which we paid on a yearly basis. I shopped around for several weeks and got quotes but Travelers had the best premium price overall, beating the other companies hands down!

    Thanks for your vote!
    Customer ServiceClaims HandlingStaff

    Reviewed Oct. 26, 2015

    We had a hail storm in August of this year. Travelers sent adjusters that missed tons of damaged items. Now they don't want to pay for anything. They'll pay for 1/2 of the garage roof but are saying there are only 2 single solitary shingles on the other side damaged. Our entire house roof was destroyed, but they don't want to pay for new pipe jacks etc. They want us to use the old, damaged ones. Our contractor refused because that's not how you properly reroof a house. I have had to fight with them about replacing everything. Our contractors are to the point they don't even want to talk to the adjuster in CT anymore. He is absolutely rude, tells them one thing and us another. I've never had such a horrible experience with ins. in my life. I will tell everyone I know to stay away from Traveler's - they are horrible to deal with for insurance claims. But boy do they want your premium every month. Horrible service.

    Thanks for your vote!
    Customer ServiceClaims HandlingPunctuality & Speed

    Reviewed Oct. 20, 2015

    Great overall service, excellent communication, ability to get someone on the phone, easy quoting process, fast and easy analysis of claim, easy claim process, expedient of claim and other reimbursements, inspectors schedule immediate appoints and arrive on time, make the claim process easy and fast, competitive pricing, ability to negotiate premiums.

    Thanks for your vote!
    Verified purchase

    Reviewed Oct. 20, 2015

    Replace roof and repair ceiling. Claim was filed 9-3-15. As of today 10-13-15 Travelers will not pay for profit and overhead to Baxter Construction. The date to replace and repair has been moved weekly because they refuse to pay because it is subjective. They can pay what they want.

    Thanks for your vote!
    Customer ServiceStaff

    Reviewed Oct. 16, 2015

    Put in a claim for roof repair after hail damage. Travelers will only replace the parts that are damaged, not whole roof. When I asked about the difference in color, they told me to buy a product and try to clean the shingles so they match. I asked about damage from cleaning shingles and they said they weren't responsible. I asked why they weren't clear about overtime for contractor, costs, etc. and they said they didn't care. They were only responsible for what the adjuster decided needed to be replaced. Extremely rude to me. Asked if we could get another estimate with new contractor and they said no. I said contractors wouldn't guarantee work for the replacement since it wasn't a total tear off and replace and they said no. They wouldn't have it re-inspected. These are the rudest people ever and I will do everything I can to make sure no one I know goes with them.

    Thanks for your vote!
    Claims HandlingStaff

    Reviewed Oct. 16, 2015

    I had a valid homeowners policy with this company (Operable word being HAD). Our 1st floor rental unit had a slow leak that was 100% caused by the condo owner above us. Upstairs unit shower leaked behind the drywall over the course of a few weeks and ran down to our unit. My elderly tenant did not report it until it visibly stained the drywall and started to cause mold. Had this company's insurance adjuster come out and proceed to deny my claim because it was not in their words "a one-time event".

    The upstairs owner had Farmers Insurance and they would subrogate (which means my fraudulent insurance company would pay out of their pocket and be fully reimbursed by Farmers). These frauds said my policy excluded such a continued leak and said claim was denied. I now have to sue the upstairs owner for losses that were not my fault. STAY AWAY FROM THESE FRAUDS! They smile at you while they are sticking it to you. I only went with them because my family members used them. I have convinced my family members to switch to another company. Needless to say they lost all of our business. BEWARE.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoveragePunctuality & Speed

    Reviewed Oct. 16, 2015

    I have had Travelers for about 5 years and paid them on-time, every time. I had my first claim on OCT 2nd and they cancelled my policy three days ago on OCT 13th and didn't even notify me. I just happened to call them to change my billing address when they told me. I asked them why they didn't email or call me and their answer was, "Because we don't have to." Morality isn't one of their policies. I would HIGHLY recommend you look elsewhere for insurance because they surely don't care about you or your property, only their money.

    Thanks for your vote!
    Claims HandlingCoverage

    Reviewed Oct. 1, 2015

    I have had my insurance with Dominion / Travelers since 2000 and I have never had a claim. This year we have been hit by terrible storms and I have exterior damage to my home and roof. I called my broker and was told to get someone to take a look and confirm that there was damage before I file a claim, I did so and I was told there is damage enough to warrant a claim. The appraiser for Travelers come out and says there are not cracks in my shingles and therefore it does not need to be replaced. Currently under review, it has been over a month since I filed the claim.

    I unfortunately had an accident with a carpet cleaner and it took the color out of my carpet in several areas and a sofa. They will cover the carpet and the sofa but will not the areas that did not have direct damage so I will have a mismatched sofa set from a custom made set that cost over $5,000 and two bedrooms that are going to have mismatched carpet. Not impressed.

    Thanks for your vote!
    Verified purchase
    Coverage

    Reviewed Sept. 28, 2015

    My house was total loss after a fire and my insurance company has done nothing for me and my family. This happen on September 10, 2015 and now it's September 28, 2015 and my family has received no benefits. Travelers insurance is not a good company. I have had to place my family in a apartment with the money that my wife and I work for. It's 18 days and no one can tell me anything about when my money will be available. Now we have 2 days before rent is due and my children have to wear the same clothes because we don't have money to replace everything. Thanks a lot for nothing Travelers Insurance.

    Thanks for your vote!
    Claims Handling

    Reviewed Sept. 26, 2015

    A client of mine put a claim into the company that was denied. He fixed the problem anyway. He put the house on the market then got a notice that his insurance will be cancelled in. Nov. Has anybody heard of this?

    Thanks for your vote!
    Verified purchase
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Sept. 2, 2015

    I purchased insurance through Travelers a couple years ago. I have never had a claim before but I opened one six months ago and it has been hell! I was told at first by my rep Gary ** that I was covered for damages a neighbor's dead tree caused on electrical lines and lights which were in a pond in my backyard, then 2 days later he called me and told me I was not covered and my claim was denied. I told him, "Okay," and I needed a letter stating that I was not covered so I could take my neighbor to court and here I am six months later and ten phone calls later with no letter.

    Now when I called Travelers customer service they tell me I am covered but Gary put down that I denied the coverage because my neighbor's paying! An absolute lie!! He told me I was not covered!! I have spoken to numerous people since then claiming to be his managers only to find out that the people I was speaking to were not managers but his equal counterparts pretending to be managers. Worst insurance ever if you need to file a claim. Their rates are good but just pray to God you don't ever have to actually use the insurance!

    Thanks for your vote!
    Verified purchase
    Claims HandlingStaff

    Reviewed Aug. 20, 2015

    I had a simple claim to be handled but it turns out into a nightmare! The adjuster I got Ashley ** was very difficult to deal with. She was working against me the policyholder. She did what she could so I will be responsible for the costs. She wanted me to pay out of my pocket. Also they have changed adjuster every other day and every single one had a different view of my case. She first approved it all then she changed her mind. My contractors were waiting for the money but she was nothing but a HORROR to deal with. What a unpleasant experience. I hope she will get fired!!!

    Thanks for your vote!

    Reviewed Aug. 20, 2015

    I am dealing with them as I write this. They are low balling me badly in the repair of my tree damaged house. I can't seem to convince them, and they are taking every measure, even spending more money outside of the repair, in order to keep from fixing my house properly. I have been with this company for about 20 years. I am not impressed, and so far my thought is 'rip off'. No matter what they do, even if they do the right thing, the taste they leave from obfuscation will stay with me.

    Thanks for your vote!
    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Aug. 9, 2015

    I have been with Travelers for approximately 12 years. I have never made a claim. Last year I had an adjuster come and look at my roof and he said there was nothing wrong. This year I had another adjuster come and look and he says there is hail damage. So, I filed a claim and received approximately $6,000 after another $6,000 was deducted for depreciation. The adjuster said because the claim was over 365 days they had to make this deduction. HOW IS THAT? I had an adjuster come out last year and he didn't see a problem, so how am I supposed to file a claim within 365 days when the first adjusted saw no damage???

    I have been dealing with a Travelers adjuster. He was the most useless person I have ever had to deal with. I spoke with him several times trying to get him to reconsider, but to no avail. I tried sending him hail reports I had received from different roofing companies, but he was not about to budge. I had to resort to hiring a public adjuster which did make things happen and was able to recoup the additional $6,000 so I could get a roof done. After I hired the public adjuster Chris ** refused to talk to me or answer any questions. He was useless before I hired the public adjuster and useless after. I am so disappointed that I am considering looking for insurance elsewhere.

    The adjuster was very difficult to work with as stated by both my roofing company and the Public Adjuster. I found him also to be very incompetent and unwilling to work with me during the entire process. Again, in the 12 years I have had the insurance with Travelers I have never filed a claim until now. Is this how you treat your customers?

    Thanks for your vote!
    Claims HandlingCoveragePunctuality & Speed

    Reviewed July 23, 2015

    This company represents the worst of how insurance companies love to take your premiums every term (and they better be on time) and then after many (30) years without any claims, they resort to any loophole they can to avoid paying you a dime! Had a tree limb fall on my house with damage visible even to the adjuster when he visited and yet they denied any payment on my 1st claim in 30 years! Why the hell do we even have insurance?! DO NOT even think of giving these crooks your money... look elsewhere!

    Thanks for your vote!
    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed July 12, 2015

    I was Onny Chibueze's customer during the period of time between Feb 2013 - Aug 2014 (at address A). Along that time, Chibueze performed their great services, well consulting and helpful handling my requirements. With them, I held an Automobile Policy #** for Vehicle I and Vehicle II (added since Apr 2014). Noted, I had no intention to purchase Homeowner Insurance but they still went ahead and took my money without my authorization.

    However, as Aug 2014, I moved to new address B, I also transferred my agent from Onny Chibueze to AbleCo Insurance Agency. New agent made movement of creating new account, policy numbers for both Automobile and Homeowner Insurance (at this moment, I consciously and physically purchased homeowner insurance as requirement of my landlord). In the meantime, I contacted Onny to report all my cancellation associated to the old address. I have stayed with AbleCo since then until I moved again within the same complex, but different apt #. For now, AbleCo is still my entrusted agent with their perfect services and values.

    Coincidentally, Onny Chibueze kept sending me billing, regardless my attempts of discontinuing all unwanted spendings. I called them, visited their office. In return, they promised that they would settle it, call me back when it done. The person made that promise was Ms. Gail **. Eventually, no phone call was made, nothing was changed and I had to report my banker about an unauthorized transaction. Then now, I have received a bill of my unpaid amount for unliving address without unwilling intent.

    Thanks for your vote!
    Price

    Reviewed June 30, 2015

    Purchased new home and got a quote for homeowner's insurance from Travelers. They had the lowest quote and decided my home was worth roughly $450,000 for replacement. This was a little low but close. I signed up with their insurance and paid the premium. They sent out an inspector. After the inspection they decided my home would be almost $800k to replace. This more than doubled my premium. I asked how they arrived at that conclusion. They said the home was 1) 400 square feet larger than they thought, 2) had an updated roof - the roof is 25 years old so I don't know what they are talking about, and 3) was not a perfect square. I said "Ok, so you are telling me 400 sq feet and a supposedly fancy roof is worth $300,000?" They clearly gave me a low quote so I would sign up with them. NOW I'm once again looking for another homeowner's policy and will cancel with travelers. It is just a HUGE waste of my time.

    Thanks for your vote!
    Customer ServiceClaims HandlingPrice

    Reviewed June 29, 2015

    2 years ago we switched our homeowners and auto insurance to Travelers. Each year I will call around to see if I can obtain a cheaper rate on our auto or home. Travelers gave me a quote that lowered our homeowners even though our auto didn't change much at all. Shortly after making that switch, we received a letter in the mail indicating our policy would be dropped if we didn't replace our roof within 90 days. So I called Travelers and said, "We don't have a claim on our roof. Why are you going to cancel us?" I was told that an inspector had been out in our area and our roof appeared to have what looked like hail damage. REALLY? We've never had hail in our area.

    I asked if the gentleman they sent out got on our roof and he said he did. REALLY AGAIN!! "Without us home, you're telling me a guy came out here, pulled a ladder off his vehicle and got on our roof?" I asked what the date was and then told the person on the phone, "Hold on." Came back on and said, "Our cameras on that date do not show a man using a ladder and getting on our roof. Would you like to know what I see? A guy in a white Prius sitting at the end of our driveway, taking notes and leaving. He sat there for a total of 4 minutes and 21 seconds. We don't have a claim with you to fix our roof and yet you want us to get a new one." I said, "If you feel that way I can shop around and find insurance with another company. We would move all our current insurances with you, including family members who made a switch as well."

    I was then put on hold and told a few moments later that they would allow us to wait until next spring to replace the roof. How do you like that? A few minutes ago I was being told get a new roof or "we'll drop you," and now with proof and the threat of moving elsewhere they had a change of heart and would graciously extend to us till spring to replace our roof. We're moving on to another company. It makes a person really wonder, what if I actually had a claim? I think I'd be hearing, "Too bad for you!"

    Thanks for your vote!
    Loading more reviews...

    Travelers Homeowners Insurance Company Information

    Company Name:
    Travelers
    Website:
    www.travelers.com