Updated: October 21, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
Travelers earned a customer experience score of 3.81 out of 5, ranking 10th nationally for service quality.
The company ranks 14th in affordability, with an average monthly cost of $571 for $250,000 in dwelling coverage.
Homeowners can enhance their policies with add-ons like water backup, identity fraud reimbursement and green home coverage.
In MoneyGeek's analysis of the best homeowners insurance providers, Travelers placed 14th out of 14 companies nationwide. This ranking reflects its performance across affordability, customer experience and coverage options.
Check Travelers' category scores and ranks based on a sample homeowner profile in the table:
| Overall | 3.64 | 14 |
| Affordability | 4.09 | 14 |
| Customer Experience | 3.81 | 10 |
| Coverage | 1.67 | 14 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Travelers charges an average of $571 per month, or $6,848 per year, for $250,000 in dwelling coverage. Rates increase with higher coverage limits, reaching $1,427 per month for $1 million in dwelling coverage.
Factors like home value, location and deductible amount affect average home insurance costs. In the table, explore costs by coverage level and filter between deductible options when comparing or finding cheap homeowners insurance:
| $100K Dwelling / $50K Personal Property / $100K Liability | $365 | $4,378 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $571 | $6,848 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $830 | $9,963 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,115 | $13,375 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,427 | $17,129 |
Travelers' home insurance costs differ by state due to regional risks and rebuilding costs. In Massachusetts, the average premium is $4,478 annually, compared to $2,503 in Vermont, where coverage is more affordable.
The map highlights all states where Travelers offers homeowners insurance based on a $250,000 dwelling coverage and $1,000 deductible policy:
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Travelers offers five homeowners insurance discounts, though availability can vary depending on your state.
Homebuyer Discount | Applies to customers who purchased their home within 12 months before the policy’s effective date. |
Multi-Policy Discount | Provides savings when bundling a Travelers homeowners policy with another Travelers product, such as auto insurance. |
Protective Device Discount | Offers savings for homes equipped with safety features like smoke detectors, sprinklers, security systems or smart home devices. |
Loss-Free Discount | Rewards policyholders who have not filed any claims within a specified period. |
Green Home Discount | Gives up to 5% off for homes certified as “green” by the Leadership in Energy and Environmental Design (LEED) organization. |
Travelers' homeowners insurance includes the six standard protections most policies offer, covering your home, belongings and personal liability. Here's what home insurance covers with Travelers:
Dwelling coverage covers the structure of your home, including walls, roof and built-in fixtures, against covered events like fire or wind damage.
Other structures coverage covers buildings on your property that aren't attached to your main home, such as a detached garage, shed or fence.
Personal property coverage replaces your belongings, like furniture, clothing and electronics, if they're damaged, destroyed or stolen. This protection applies whether the loss happens inside or outside your home.
Personal liability coverage protects you if someone is injured or their property is damaged and you’re found legally responsible. It covers legal expenses, medical bills and damages up to your policy limit.
Medical payments coverage pays for minor injuries to guests hurt on your property, regardless of fault. It covers medical costs like hospital visits or first aid without requiring a lawsuit.
Loss of use coverage pays for temporary living expenses if your home becomes uninhabitable after a covered loss. It covers costs such as hotel stays, meals and other living expenses while repairs are made.
Travelers offers eight homeowners insurance endorsements to expand your policy's protection. Endorsements, also known as add-on coverages, let you tailor your insurance to cover specific risks or valuable items that aren't included in a standard policy.
Availability varies by state. The table outlines each endorsement option from Travelers and what it provides:
Special Personal Property Coverage | Expands coverage for personal belongings, protecting them against a wider range of risks than a standard homeowners policy. |
Contents Replacement Cost | Covers the cost to replace personal items at their current value without deducting for depreciation, up to policy limits. |
Additional Replacement Cost Protection Coverage | Adds extra dwelling coverage if your home’s insured value isn’t enough to fully rebuild after a covered loss. |
Jewelry and Valuable Items | Helps protect high-value belongings like jewelry and collectibles that may exceed standard policy limits. |
Personal Articles Floater | Provides separate or higher coverage limits for specific valuables, such as fine art, jewelry or musical instruments. |
Water Backup and Sump Pump Discharge or Overflow | Covers damage caused by water backing up from sewers or drains, or overflowing from a sump pump, up to a specified limit. |
Identity Fraud | Offers up to $25,000 in expense reimbursement to help restore your identity if it’s used fraudulently. |
Green Home Coverage | Helps pay to repair, rebuild or replace damaged property using environmentally friendly materials after a covered loss. |
Standard homeowners insurance from Travelers doesn't cover every type of loss. Certain events, such as floods, earthquakes or intentional damage, require separate policies or are excluded entirely.
Damage from floods, earthquakes and landslides isn't covered under a standard Travelers policy. You can purchase separate flood or earthquake insurance for protection against these risks.
Losses caused intentionally or through neglect, such as deliberate property damage or lack of home maintenance, are excluded from coverage. Travelers only insures against sudden and accidental events.
Damage related to business use of the home, or normal wear and tear like aging roofs or deteriorating pipes, isn’t covered. These are considered part of routine upkeep rather than insurable events.
You can buy home insurance from Travelers online or through a licensed agent to compare options and customize your coverage. Follow these steps to choose a policy:
Determine how much home insurance you need by estimating the cost to rebuild your home and replace personal belongings after a total loss. This ensures you have enough dwelling, personal property and liability protection.
Visit Travelers’ website or contact a local agent to request a homeowners insurance quote. You’ll provide details about your home, such as location, age and safety features.
Review available coverage levels and optional add-ons like water backup or identity fraud protection. Choose the combination that best fits your budget and risk factors.
Applying eligible discounts reduces your annual premium without cutting coverage.
Read your policy details before purchasing to confirm coverage limits, deductibles and exclusions. Once satisfied, finalize your policy and arrange payment to activate your coverage.
Filing a home insurance claim with Travelers is simple: you can file online, through the mobile app or by contacting a representative. Acting quickly ensures your claim is processed efficiently and your home is restored sooner.
Notify Travelers as soon as possible after the loss to start the claims process. You can file a claim through the Travelers website, mobile app or by calling their claims line.
Take photos and videos of all affected areas and damaged belongings before making temporary repairs. Keep receipts for emergency repairs or expenses related to preventing further damage.
A Travelers adjuster will inspect the damage to assess the loss and estimate repair costs. They may contact you to arrange an on-site visit or conduct a virtual review.
Once the claim is approved, Travelers provides a settlement amount based on your coverage and policy limits. You can then coordinate repairs with approved contractors or your own professionals to complete the restoration.
Travelers earns a MoneyGeek score of 3.64 out of 5 based on affordability, customer experience and coverage. For $250,000 in dwelling coverage, the average cost is $571 per month or $6,848 per year.
With Travelers, you can add protections like water backup, identity fraud reimbursement and green home coverage. Savings are available through discounts such as multi-policy, protective device and green home.
Here are answers to common questions about Travelers home insurance:
Travelers includes the six standard coverages most homeowners policies offer, protecting your home, belongings and personal liability. You can also add optional coverages such as water backup, identity fraud reimbursement and green home coverage.
For a home with $250,000 in dwelling coverage, Travelers costs an average of $571 per month or $6,848 per year. Prices vary by factors like your home’s value, location, deductible and chosen coverage limits.
Travelers offers several discounts, including savings for bundling home and auto policies, installing protective devices or owning a certified green home. Discount availability varies by state and eligibility.
You can buy Travelers homeowners insurance online or through a licensed agent. Get a quote, compare coverage options and finalize your policy once you confirm your limits and deductible.
You can report a claim online, through the mobile app or by calling Travelers directly. The company will assign an adjuster to inspect the damage, estimate repair costs and help you complete the settlement and repair process.
Homeowners need accurate rate comparisons to find affordable coverage that fits their needs. We built our methodology around real-world homeowner profiles and the factors that most impact your premiums.
We used this base profile to determine Travelers' homeowners insurance rates and evaluate its affordability:
Our Travelers homeowners insurance rating uses this scoring system:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
