- Our thoughts on Travelers
- Where can you buy Travelers homeowners insurance?
- What does Travelers homeowners insurance cover?
- How much is Travelers home insurance?
- Travelers home insurance discounts
- What makes Travelers home insurance rates go up?
- Travelers vs. competitors: How does Travelers stack up?
- What do people ask about Travelers?
- Is Travelers a good homeowners insurance company?
Our thoughts on Travelers
Although Travelers has a below-average score with J.D. Power, it scored fairly well in our best home insurance companies survey, with customers giving it high marks for service; it took the No. 7 spot for 2025.
Travelers’ rates are higher than average in many states, but the company offers the cheapest home insurance in Florida among top carriers, impressive in a state facing high home insurance rates. And with the top score available from AM Best (A++) Travelers is on solid financial footing.
“Lower premiums don't always equate to financial stability. An insurer's ability to pay claims, especially during large-scale events such as natural catastrophes and economic downturns, is crucial,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
Travelers’ ratings with J.D. Power are a little below average for claims and well below average in the overall satisfaction survey.
Overall: Travelers home insurance reviews are mixed, and rates are generally high; however, in some parts of the country Travelers offers notably low rates.
Where can you buy Travelers homeowners insurance?
Travelers homeowners insurance is available in all 51 states and D.C. Unlike other major carriers, Travelers has not pulled back in California or Florida.
| State | Average annual premium |
|---|---|
| Alabama | - |
| Alaska | - |
| Arizona | $6,002 |
| Arkansas | $9,602 |
| California | $1,097 |
| Colorado | - |
| Connecticut | $5,728 |
| Delaware | $2,096 |
| Florida | $1,108 |
| Georgia | $2,530 |
| Hawaii | - |
| Idaho | - |
| Illinois | $7,861 |
| Indiana | $8,092 |
| Iowa | - |
| Kansas | - |
| Kentucky | - |
| Louisiana | - |
| Maine | - |
| Maryland | $1,680 |
| Massachusetts | $1,847 |
| Michigan | - |
| Minnesota | - |
| Mississippi | $8,951 |
| Missouri | - |
| Montana | $7,948 |
| Nebraska | $9,512 |
| Nevada | - |
| New Hampshire | - |
| New Jersey | - |
| New Mexico | - |
| New York | $1,649 |
| North Carolina | - |
| North Dakota | - |
| Ohio | $6,626 |
| Oklahoma | - |
| Oregon | - |
| Pennsylvania | $4,837 |
| Rhode Island | - |
| South Carolina | $5,603 |
| South Dakota | - |
| Tennessee | $6,604 |
| Texas | - |
| Utah | - |
| Vermont | $3,024 |
| Virginia | $5,702 |
| Washington | - |
| Washington D.C. | - |
| West Virginia | - |
| Wisconsin | - |
| Wyoming | - |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Travelers homeowners insurance cover?
A Travelers homeowners insurance policy covers everything included in a standard home policy:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Additional coverage can be added to your Travelers homeowners policy, such as:
- Special personal property coverage
- Contents replacement cost to replace your personal property
- Additional replacement cost protection coverage to expand your dwelling coverage
- Jewelry and high-value items coverage limits increase
- Personal articles floater
- Water backup and sump pump discharge or overflow
- Identity fraud
- Green home coverage, which pays to repair your home with green materials
Travelers home insurance excludes all of the common perils not covered by a standard policy:
- No coverage for floods and earthquakes (earthquake can be endorsed)
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Travelers home insurance?
The average annual cost of a Travelers homeowners insurance policy is $3,701 for $300,000 in dwelling coverage. But, as you can see below, the cost varies based on the amount of coverage you need. Location and other factors will also impact your Travelers homeowners insurance quote.
| Coverage level | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 liability | $3,307 |
| $200,000 dwelling, $300,000 liability | $3,332 |
| $300,000 dwelling, $100,000 liability | $3,740 |
| $300,000 dwelling, $300,000 liability | $3,701 |
| $400,000 dwelling, $100,000 liability | $3,982 |
| $400,000 dwelling, $300,000 liability | $4,004 |
| $500,000 dwelling, $100,000 liability | $4,236 |
| $500,000 dwelling, $300,000 liability | $4,250 |
| $600,000 dwelling, $100,000 liability | $4,359 |
| $600,000 dwelling, $300,000 liability | $4,372 |
Travelers home insurance discounts
Travelers offers a good range of homeowners insurance discounts to reduce premiums. Insurance score alignment earns you the biggest discount at 60% on average.
| Discount type | Average rate before | Average rate after | % discount |
|---|---|---|---|
| Insurance Score Alignment | $3,701 | $1,490 | 60% |
| New Home | $3,701 | $1,954 | 47% |
| Age of home | $3,701 | $3,084 | 17% |
| Retirees | $3,701 | $3,068 | 17% |
| All Perils Deductible | $3,701 | $3,124 | 16% |
| Upgrades | $3,701 | $3,186 | 14% |
| Separate Wind-Hail Deductible | $3,701 | $3,213 | 13% |
| Construction type | $3,701 | $3,252 | 12% |
| Advance Purchase | $3,701 | $3,467 | 6% |
| Gated Community | $3,701 | $3,508 | 5% |
| Sprinklers | $3,701 | $3,541 | 4% |
| Storm Shutter | $3,701 | $3,571 | 4% |
| Fire Alarm | $3,701 | $3,603 | 3% |
| Burglar Alarm | $3,701 | $3,625 | 2% |
| Deadbolt | $3,701 | $3,643 | 2% |
| Loyalty | $3,701 | $3,637 | 2% |
| Smoke Detector | $3,701 | $3,658 | 1% |
| Water Safety System | $3,701 | $3,673 | 1% |
What makes Travelers home insurance rates go up?
Home insurance can increase for a number of reasons; below are some of the surcharges Travelers may add to rates along with the reason and average rate increase.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Age of home | $4,575 | $4,796 | 5% |
| Claims | $4,118 | $4,873 | 28% |
| Construction type | $5,126 | $5,654 | 9% |
| Home-Based Business | $1,542 | $1,592 | 4% |
| Proximity to fire station | $1,026 | $1,104 | 8% |
| Smoker | $2,381 | $2,435 | 2% |
| Wood burning stove | $5,589 | $5,810 | 4% |
Travelers vs. competitors: How does Travelers stack up?
Travelers performed pretty well compared to other top companies, although it was out-ranked in most categories.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Travelers | $3,740 | 81% | 84% | 79% |
| Progressive | $2,310 | 84% | 89% | 85% |
| Farmers | $2,942 | 82% | 83% | 81% |
What do people ask about Travelers?
If Travelers is on your shortlist for home insurance, you probably have some questions about the company. Here are some of the common ones asked by people like you.
Why is Travelers insurance so cheap?
Travelers has cheap insurance rates in some places and for some situations, but may be more expensive in others. If you got a cheap Travelers home insurance quote, odds are good that you fit the company’s profile for a low-risk home in a low-risk area.
Why did my Travelers home insurance rate increase?
Home insurance rates are increasing everywhere, and Travelers is no different. An S&P Global report found Travelers' rates increased 36.8% on average since 2022. Several other companies had greater increases than Travelers.
Does Travelers offer home insurance in Florida?
Yes, Travelers does still write home insurance in Florida, although coverage may not be available in every part of the state.
Is Travelers a good homeowners insurance company?
The big question for most homeowners is, of course, is Travelers home insurance good? Here’s a look at what current customers had to say in our survey.
Do people trust Travelers?
In our survey, 89% of the Travelers customers who responded said they trust the company. That was on the higher side; Safeco won the category at 96%.
| Company | Percent of customers who say they trust the company |
|---|---|
| Travelers | 89% |
| State Farm | 89% |
| American Family | 81% |
Do people recommend Travelers?
Travelers customers are quick to recommend the company to others; in the survey, 84% said they’d recommend Travelers for home insurance. That’s about average in the survey; only USAA scored above 90% here.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Travelers | 84% |
| Progressive | 89% |
| Farmers | 83% |
Do people plan to renew with Travelers?
Of the Travelers customers surveyed, 91% said they plan to renew their Travelers homeowners policy, indicating they are pleased enough with the service to stick around.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Travelers | 91% |
| Nationwide | 86% |
| Progressive | 93% |
Is Travelers good at paying claims?
In the 2024 J.D. Power survey for property claims satisfaction, Travelers scored 845 out of 1,000, placing the company in the bottom two. Our survey had similar results, with Travelers scoring on the lower side for claims handling; 75% said they were satisfied, while category winner Erie had 100% satisfaction.
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