- Travelers' Strong Financial Position: With the highest AM Best rating of A++, Travelers is exceptionally solvent and capable of handling catastrophic losses, making it a safe choice for homeowners prioritizing financial stability.
- Coverage Options and Policy Tiers: Travelers offers a standard HO-3 homeowners policy with three tiers—Protect, Protect Plus, and Protect Premier—allowing homeowners to choose coverage that fits their needs and budget.
- Pricing and Discounts: Average premiums range from about $2,055 to $2,330 annually for $300,000 coverage, with limited discounts compared to competitors, which makes Travelers a competitively priced option in many markets.
- Customer Satisfaction and Claims Experience: While Travelers has a solid trust and renewal rate, its J.D. Power claims satisfaction score is slightly below industry average, and recent complaints have been trending upward, indicating room for improvement.
- Availability and Customer Service Model: Travelers primarily sells insurance through independent agents and does not offer policies in Florida, Alaska, Hawaii, or Louisiana, which may limit accessibility for some homeowners.
Travelers Home Insurance Overview
Travelers traces its roots back to the 1850s and 1860s, making it one of the oldest insurance companies in the United States. It is also one of the biggest. With $46.4 billion in revenue in 2024 (and nearly $49 billion in 2025), over 30,000 employees, and more than 13,000+ independent agent relationships, Travelers is the sixth-largest homeowners insurer in the U.S. by market share. It is the only property and casualty insurer in the Dow Jones Industrial Average.
The headline number for Travelers is its AM Best rating: A++ (Superior), the highest possible. No other major homeowners insurer in our review set holds that distinction. State Farm, Allstate, and USAA all carry A+ or lower. That A++ means AM Best considers Travelers to have the strongest capacity to meet its financial obligations.
The rest of the picture is more mixed. J.D. Power’s 2025 Property Claims Satisfaction Study gave Travelers a 678/1,000, slightly below the industry average of 682. Overall customer satisfaction also ranks below average (20th out of 28 insurers in the 2025 study). And availability is complicated: Travelers does not write homeowners policies in Florida, Alaska, Hawaii, or Louisiana, and in about 13 other states, so you can only get coverage through an independent agent rather than directly from Travelers.
Pros and Cons
Pros
- Highest possible financial strength rating: AM Best A++ (Superior). Travelers is the only major homeowners insurer to hold this distinction. It has had favorable reserve development in nine of the past ten years and positive underwriting cash flows for a decade straight.
- Competitive pricing: Multiple analyses put Travelers’ average homeowners’ premium between $2,055 and $2,330 for $300K in dwelling coverage, at or below the national average of ~$2,110–$2,400.
- Three policy tiers: Protect (base), Protect Plus (enhanced), and Protect Premier (highest limits, increased sub-limits for jewelry, credit card fraud, and more). Makes it easy to pick a coverage level.
- Green home discount and coverage: Up to 5% off for LEED-certified homes, plus an add-on for eco-friendly materials when rebuilding. Not many carriers offer both.
- Strong trust and renewal numbers: 91% of surveyed customers plan to renew, 89% trust the company, and 84% would recommend Travelers for home insurance.
- Identity fraud coverage: Up to $25,000 for expenses related to restoring your identity after fraud.
Cons
- Limited direct availability: Travelers does not write homeowners policies at all in Florida, Alaska, Hawaii, or Louisiana. In about 13 other states (including California, New York, New Jersey, Massachusetts, and Connecticut), you can only get coverage through an independent agent, not directly from Travelers.
- Below-average claims satisfaction: J.D. Power 2025 claims score of 678 is slightly below the industry average of 682. Overall satisfaction ranks 20th out of 28 insurers.
- Rising NAIC complaints: While Travelers’ complaint volume was historically below average, it has been trending upward over the past three years and is now above the industry baseline.
- Fewer discounts than competitors: Only about 5-6 discounts available. Compare that to 11+ at Liberty Mutual or 13+ at Farmers.
- $1,000 minimum deductible: Travelers does not offer deductibles below $1,000, which limits flexibility for homeowners who prefer a lower deductible.
- No mobile or manufactured home coverage: If you have a manufactured home, Travelers will not insure it.
- Weak digital experience: The Android app is poorly rated, and the company relies heavily on its independent agent network. Not a good fit for digital-first buyers.
Coverage Options
Standard Coverage
Travelers offers a standard HO-3 homeowners policy with the six core coverage types:
Coverage Type | What It Covers | Notable Details |
Dwelling (A) | Your home’s structure, roof, walls, and built-in systems | Extended replacement cost available at the Premier tier |
Other Structures (B) | Detached garages, sheds, fences | Typically, 10% of dwelling coverage |
Personal Property (C) | Furniture, electronics, clothing, belongings | Sub-limits on jewelry, cash, collectibles; higher limits at Premier |
Loss of Use (D) | Additional living expenses if the home is uninhabitable | Covers hotel, meals, and temporary housing during repairs |
Personal Liability (E) | Lawsuits for bodily injury or property damage | Standard limits; umbrella coverage available |
Medical Payments (F) | Medical bills for guests injured on your property | No-fault pays regardless of who caused the injury |
Policy Tiers
Travelers structures homeowners coverage into three tiers:
Feature | Protect (Base) | Protect Plus | Protect Premier |
Coverage Level | Standard | Enhanced limits | Highest limits |
Jewelry Theft | $1,500 sub-limit | Increased | $5,000 sub-limit |
Credit Card / Forgery | $1,000 sub-limit | Increased | $10,000 sub-limit |
Extended Replacement Cost | Not included | Available | Included |
Decreasing Deductible | Not included | Available in some states | Available in some states |
The jump from Protect to Protect Plus or Premier mostly affects sub-limits on specialty categories and adds extended replacement cost. For most homeowners, Protect Plus is the practical sweet spot.
Add-Ons and Endorsements
Travelers offers a solid set of optional coverages:
- Water backup: Covers damage from sewer backup, sump pump failure, or drain overflow. Does not cover flood or surface water.
- Identity fraud protection: Up to $25,000 for expenses related to restoring your identity. Covers legal fees, lost wages, and other costs.
- Green home coverage: Helps pay for eco-friendly building materials when repairing or rebuilding after a covered loss. A solid option for environmentally conscious homeowners.
- Valuables/jewelry: Additional coverage for high-value items that exceed standard personal property sub-limits.
- Underground utility lines: Covers underground service lines (water, sewer, gas, electric) up to $10,000.
- Water seepage: Up to $10,000 for water seeping into your basement. Separate from water backup coverage.
- Equipment breakdown: Covers mechanical and electrical breakdown of home systems and appliances.
- Earthquake coverage: Available through your agent in applicable states.
- Flood insurance: Not sold by Travelers directly, but available through a partnership with Neptune Flood or through the NFIP.
What’s Not Covered
Standard exclusions apply: flood (separate policy required), earthquake (add-on available), normal wear and tear, pest damage, and intentional damage. Travelers does not insure mobile or manufactured homes.
Pricing and Cost
Travelers’ homeowners’ pricing is competitive. Multiple analyses put the average premium between $2,055 and $2,330 per year for $300,000 in dwelling coverage.
Your actual rate depends on location, home value, claims history, deductible, and coverage amounts. Travelers’ pricing varies widely by state. In Massachusetts, the average is about $4,478/year, while Vermont averages about $2,503.
Keep in mind: Travelers requires a minimum deductible of $1,000. If you prefer a $500 deductible, Travelers is not the right fit. The higher minimum deductible helps keep premiums lower, but it means more out-of-pocket costs when you file a claim.
Discounts and Savings
Travelers offers fewer discounts than most major competitors. The available homeowners’ discounts are:
Discount | Estimated Savings | Details |
Multi-policy bundling | Varies | Bundle home with auto or other Travelers policies |
New homebuyer | Varies | Purchased your home within the last 12 months |
Claims-free | Varies | No claims filed within a specified period |
Protective devices | Varies | Smoke detectors, fire alarms, security systems, smart home devices, sprinkler systems |
Green home | Up to 5% | LEED-certified homes |
Decreasing deductible | N/A | Credit toward your deductible each claim-free year (available in some states) |
That is a noticeably shorter list than Liberty Mutual (11+ discounts) or Farmers (13+). Travelers makes up for it with competitive base pricing, but if you are a discount stacker, you will find more options elsewhere.
Claims Experience
What the Data Says
Travelers’ claims experience is slightly below average across multiple measures:
- J.D. Power 2025 Property Claims Satisfaction: 678/1,000, just below the industry average of 682. The study was redesigned for 2025, so scores are not comparable to prior years.
- J.D. Power 2025 Overall Home Insurance Study: Travelers ranked 20th out of 28 insurers, below average.
- NAIC complaint trend: Historically below average, but complaints have been rising over the past three years and are now above the baseline.
- Insure.com survey: 89% of Travelers customers say they trust the company, 84% would recommend it, and 91% plan to renew.
The trust and renewal numbers are strong, which suggests that most customers have an acceptable experience. But the J.D. Power and NAIC trend lines point to declining satisfaction, particularly around claims speed and settlement amounts.
The 2025 Wildfire Factor
In early 2025, the Los Angeles wildfires cost Travelers an estimated $1.7 billion in pre-tax catastrophe losses. That resulted in a 65% drop in Q1 2025 income. The A++ financial rating means Travelers can absorb losses like this, but catastrophe-heavy periods can strain claims processing speed and adjuster availability for all policyholders, not just those directly affected.
How to File a Claim
Travelers offers multiple ways to file:
- Online at travelers.com
- Through the Travelers mobile app
- By calling 1-800-252-4633
- Through your independent agent
Customer Service and Digital Experience
Independent Agent Model
Travelers distributes exclusively through independent agents and brokers (13,000+ relationships nationwide). You will not find exclusive Travelers agents the way you find State Farm or Farmers agents. This means your agent likely represents several insurers and can help you compare options, but it also means the agent is not exclusively focused on Travelers products.
Satisfaction Scores
Overall satisfaction is below average. Travelers ranked 20th out of 28 in J.D. Power’s 2025 Home Insurance Study. But the survey data tells a slightly different story: 91% plan to renew and 89% trust the company. Those are strong retention numbers even if the J.D. Power ranking is not flattering.
The App and Website
Travelers’ digital experience is a weak point. The Android app has poor ratings, and the company leans heavily on its agent network rather than investing in digital-first tools. If you want to manage everything from an app, Lemonade, USAA, and Allstate are all better options. Travelers is best used through an agent.
Financial Strength
This is Travelers’ strongest selling point:
- AM Best: A++ (Superior), the highest possible rating. Travelers is the only major homeowners insurer in our review set to hold this distinction.
- Revenue: $46.4 billion in 2024; ~$49 billion in 2025.
- Net income: $5 billion (core income) in 2024; $6.29 billion in 2025.
- Net written premiums: $43.4 billion in 2024 (record), up 8% year-over-year. The 15th consecutive year of premium growth.
- Combined ratio: Consistently favorable; positive underwriting cash flows for 10 straight years.
- Dow Jones Industrial Average: Travelers is the only P&C insurer in the DJIA.
- Reserve development: Favorable in 9 of the past 10 calendar years.
- Investment portfolio: 89% fixed-income, high-quality securities.
What this means for you: Travelers absorbed a $1.7 billion wildfire loss in Q1 2025 and still reported full-year net income of $6.29 billion. This is a company that can handle catastrophic years and still pay every claim. If financial stability is your top priority, Travelers has no equal among homeowners’ insurers.
Who Is Travelers Good For?
Best For
- Homeowners who prioritize financial strength above all else: No other major homeowners insurer matches Travelers’ A++ rating.
- Price-conscious buyers in states where Travelers is competitive
- Homeowners who work with independent agents: If you already have an independent agent or prefer agent-based shopping, Travelers fits naturally into that model.
- Green home owners: The combination of a LEED discount (5%) and a green home rebuilding endorsement is uncommon.
Not Ideal For
- Homeowners in Florida, Alaska, Hawaii, or Louisiana: Travelers does not write policies in these states.
- Buyers who want direct access: In about 13 states (including CA, NY, NJ, MA, CT), you must go through an independent agent. You cannot buy directly from Travelers.
- Digital-first homeowners: The app is weak, and the company is agent-focused. Lemonade and USAA are better if you want everything in an app.
- Discount stackers: With only 5-6 discounts, Travelers offers far fewer savings opportunities than Liberty Mutual (11+) or Farmers (13+).
- Mobile/manufactured home owners: Travelers does not insure these properties.
- Homeowners who want a low deductible: The minimum deductible is $1,000.
How to Get a Quote
Getting a Travelers homeowners’ quote depends on your state:
- Online at travelers.com (available in states where Travelers writes direct)
- By phone at 833-987-4422
- Through an independent insurance agent (required in ~13 states)
In states like California, New York, and Massachusetts, you will need to work with an independent agent. Use the Travelers website to find a local agent near you.
How Travelers Compares
Travelers | USAA | Farmers | |
Overall Rating | 3.5 / 5 | 4.5 / 5 | 3.5 / 5 |
Avg. Annual Premium | ~$2,055–$2,330 | ~$1,341 | ~$2,236–$2,506 |
AM Best Rating | A++ (Superior) | A++ (Superior) | A (Excellent) |
J.D. Power Claims | 678 / 1,000 | Not ranked | 676 / 1,000 |
NAIC Complaint Index | Rising (above avg.) | Below average | 1.70 |
Discount Options | 5–6 | Limited (military) | 13+ |
States Available | 42+ | All 50 + D.C. | 40 |
Best For | Financial strength | Military families | Tiered coverage |
Travelers vs. USAA
Both share the rare A++ rating from AM Best, but that is where the similarities end. USAA is significantly cheaper ($1,341/year average) and has the best claims reputation in the industry, but it is only available to military members and their families. USAA also has no agents. If you are eligible for USAA, it is almost always the better choice. If you are not eligible, Travelers gives you similar financial strength in a more widely available package.
Travelers vs. Farmers
Farmers costs more ($2,236-$2,506 vs. $2,055-$2,330), but offers better coverage structure (three-tier Smart Plan with built-in rewards) and many more discounts (13+ vs. 5-6). Travelers has the stronger financial rating (A++ vs. A) and better pricing. Farmers is available in 40 states; Travelers is available in 42+, but with significant restrictions in about 13 states. If coverage customization and rewards matter, go with Farmers. If price and financial strength matter, go Travelers.
Final Verdict
Travelers earns a 3.5 out of 5 in our review. The A++ financial strength rating stands alone at the top of the industry, and competitive pricing (as low as $2,055/year at some sources) makes Travelers a strong value proposition. The three-tier policy structure and green home coverage are nice touches.
But the experience around the edges needs work. J.D. Power satisfaction scores are below average, NAIC complaints are trending in the wrong direction, the discount menu is smaller than competitors’, digital tools are weak, and availability is complicated in about 17 states. The $1,000 minimum deductible and no mobile home coverage are limitations that affect specific buyers.
Travelers is the right fit if financial strength is your top priority and you are comfortable working through an independent agent. It is especially strong for homeowners in states where it writes direct and competitive prices. Get a quote at travelers.com or through your independent agent, and compare it against USAA (if eligible), Erie, and State Farm.
Our Methodology
This review uses a weighted scoring system: coverage options (25%), pricing and value (20%), claims experience (20%), customer service (15%), discounts and savings (10%), and digital experience (10%).
Frequently Asked Questions
Answers to your questions about Travelers home insurance.
Travelers is a strong choice for financially conservative buyers. The A++ AM Best rating is the highest possible, and pricing is competitive. But J.D. Power satisfaction scores are below average, NAIC complaints are trending up, the discount menu is slim, and availability is limited in several states. It is a good insurer if financial strength and price are your priorities, less so if customer experience and digital tools matter most.
Travelers has been in business since the 1860s, over 160 years. It is a publicly traded company on the NYSE (ticker: TRV), a component of the Dow Jones Industrial Average, and one of the largest property and casualty insurers in the world. It generated $46.4 billion in revenue in 2024, employs over 30,000 people, and holds an A++ (Superior) rating from AM Best. Travelers is as established and financially credible as insurers get.
Average premium estimates range from $2,055 to $2,330 per year for $300,000 in dwelling coverage, depending on the data source. Your actual rate depends on location, home characteristics, claims history, and deductible. The minimum deductible is $1,000.
No. Travelers does not write homeowners insurance in Florida, Alaska, Hawaii, or Louisiana. In about 13 other states (including California, New York, New Jersey, Massachusetts, Connecticut, and others), you can only get Travelers homeowners insurance through an independent agent, not directly.
Travelers does not sell flood insurance directly, but it has a partnership with Neptune Flood for private flood policies. You can also buy flood coverage through the NFIP (National Flood Insurance Program). Talk to your agent about options.
Travelers requires a minimum deductible of $1,000 for homeowners insurance. This is higher than some competitors, who allow deductibles as low as $500. The higher deductible helps keep premiums lower,r but means you pay more out of pocket when filing a claim.
No. Travelers does not offer coverage for mobile or manufactured homes. If you have a manufactured home, look at Farmers, American Family, or a specialist mobile home insurer.
