Considering affordability, customer service, coverage and financial stability, Travelers ranks sixth overall in the nation for home insurance. It offers the most affordable home insurance rates for newer homes and ranks highest for financial stability. Review our ratings below.
Travelers Home Insurance Review
Updated: June 25, 2025
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Key Takeaways
Travelers ranks sixth overall for home insurance affordability, with notably low premiums for those with newer homes.
Travelers ranks fifth in customer satisfaction and holds the top spot for financial stability in the country.
Travelers is ranked second overall for its comprehensive coverage options, offering a variety of add-ons, including scheduled energy efficiency upgrade and personal property coverage.
Travelers Home Insurance Ratings
| Overall Rating | 54 | 6 |
| Affordability | 24 | 6 |
| Customer Satisfaction | 16 | 5 |
| Coverage | 9 | 2 |
| Financial Stability | 5 | 1 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Travelers Home Insurance Ratings by State
While Travelers ranks within the top six nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 44 | 7 |
| Arizona | 44 | 7 |
| Arkansas | 51 | 7 |
| California | 88 | 1 |
| Connecticut | 55 | 7 |
| Delaware | 91 | 1 |
| Georgia | 69 | 3 |
| Illinois | 44 | 7 |
| Indiana | 44 | 7 |
| Maine | 58 | 7 |
| Maryland | 53 | 7 |
| Massachusetts | 46 | 7 |
| Mississippi | 53 | 6 |
| Montana | 56 | 7 |
| Nebraska | 46 | 7 |
| New York | 72 | 3 |
| Ohio | 44 | 7 |
| Pennsylvania | 43 | 7 |
| South Carolina | 51 | 7 |
| Tennessee | 50 | 7 |
| Vermont | 51 | 7 |
| Virginia | 45 | 8 |
How Much Is Travelers Home Insurance?
For most homeowners, Travelers home insurance costs around $519 per month and $6,224 per year. However, actual costs can range from $36 to $5,356 monthly, depending on your profile and coverage needs. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $519 | $6,224 |
Travelers Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Travelers home insurance by location:
| Alabama | $930 | $11,157 |
| Arizona | $528 | $6,338 |
| Arkansas | $919 | $11,032 |
| California | $74 | $882 |
| Connecticut | $485 | $5,822 |
| Delaware | $60 | $724 |
| Georgia | $158 | $1,896 |
| Illinois | $654 | $7,853 |
| Indiana | $608 | $7,296 |
| Maine | $181 | $2,168 |
| Maryland | $396 | $4,751 |
| Massachusetts | $396 | $4,753 |
| Mississippi | $1,114 | $13,364 |
| Montana | $1,427 | $17,129 |
| Nebraska | $985 | $11,816 |
| New York | $92 | $1,109 |
| Ohio | $396 | $4,755 |
| Pennsylvania | $413 | $4,957 |
| South Carolina | $397 | $4,760 |
| Tennessee | $499 | $5,992 |
| Vermont | $186 | $2,226 |
| Virginia | $511 | $6,137 |
Travelers Home Insurance Coverage Options
In addition to standard coverage options, Travelers offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Energy efficiency upgrade | Provides additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss occurs |
Guaranteed replacement cost | Provides extra funds above your dwelling coverage limit to help repair or rebuild your home if your standard dwelling coverage isn't enough to cover the full cost after a covered loss |
Personal property replacement cost | Provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation |
Scheduled personal property | Insures your high-value personal items, such as jewelry, golf clubs, silverware and other possessions, up to a set limit |
Cyber event/Identity theft | Provides up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently |
Back-up of sewer or drain | Pays for water damage caused by backup in drains and sump pumps |
Travelers Homeowners Insurance Review: Bottom Line
Overall, Travelers ranks among our top six for home insurance policies, and we recommend contacting it for quotes. While Travelers may be a good provider, compare other options and pricing to get the best deal.
Travelers Home Insurance: FAQ
Below are answers to frequently asked questions about Travelers home insurance:
Is Travelers home insurance good?
Travelers is a strong home insurance option, earning the sixth overall spot nationally. It ranks sixth for affordability, fifth for customer satisfaction and second for coverage options.
How much is home insurance with Travelers?
Travelers home insurance for $250,000 of dwelling coverage averages around $6,224 per year, much higher than the national average. However, based on individual circumstances, costs may vary from $432 to $64,272 annually.
How is Travelers' home insurance customer service?
Travelers Home Insurance is not a top choice for customer service, ranking below average for customer satisfaction according to J.D. Power and our study.
How We Rated Travelers Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.