Updated: November 4, 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. In Massachusetts, the average premium is $4,478 annually, compared to $2,503 in Vermont.
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 varies depending on your state.
Homebuyer Discount | For customers who bought their home within 12 months before the policy’s effective date. |
Multi-Policy Discount | Saves when bundling a Travelers homeowners policy with another Travelers product, such as auto insurance. |
Protective Device Discount | Savings for homes that have 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 certain time 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. It covers 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 add-on coverages. Availability varies by state.
Special Personal Property Coverage | Expands coverage for personal belongings, protecting them against more 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 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. Floods, earthquakes or intentional damage require separate policies or are excluded.
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.
Visit Travelers’ website or contact a local agent to request a homeowners insurance quote.
Review available coverage levels and optional add-ons like water backup or identity fraud protection.
Applying eligible discounts reduces your annual premium without cutting coverage.
Read your policy details before purchasing to confirm coverage limits, deductibles and exclusions.
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.
Take photos and videos of all affected areas and damaged belongings.
A Travelers adjuster will inspect the damage to assess the loss and estimate repair costs.
Once the claim is approved, Travelers provides a settlement amount based on your coverage and policy limits.
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 discounts, including savings for bundling home and auto policies.
You can buy Travelers homeowners insurance online or through a licensed agent.
You can report a claim online, through the mobile app or by calling Travelers directly.
Travelers competes in a crowded homeowners insurance market where rates can vary by thousands of dollars between companies for identical coverage. We analyzed Travelers' premiums, customer satisfaction scores and coverage options against national averages and competitor offerings to show exactly where it excels and where it falls short.
This matters because a slightly higher premium from an insurer with poor claims handling can cost you far more when you actually need your coverage.
We used a middle-aged homeowner (41 to 60 years old) with a 2,500-square-foot home to establish baseline rates:
Why this profile matters: It represents a typical suburban homeowner with a well-maintained property and stable claims history. This neutral starting point lets us isolate how Travelers prices coverage compared to competitors, without variables like recent claims or poor credit skewing results.
Our MoneyGeek score weights three factors that directly impact your experience as a policyholder:
Affordability (55%): We compared Travelers' premiums to the national average and competitor rates using our baseline profile. Lower costs mean more money in your budget, though the cheapest option isn't always the best value if claims service suffers.
Customer Experience (35%): We analyzed J.D. Power satisfaction studies, AM Best Financial Strength ratings and customer feedback from online forums to assess real policyholder experiences. High scores here mean faster claims processing, responsive customer service and fewer billing disputes.
Coverage Options (10%): We evaluated Travelers' endorsement offerings against industry standards, scoring both the range of available add-ons and unique coverages other insurers don't offer. More options mean you can customize protection for your specific situation—whether that's water backup coverage, identity fraud protection or green home rebuilding after a loss.
Data sources: J.D. Power, AM Best, Quadrant Information Services
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.
