Travelers costs an average of $452 monthly, or $5,435 per year, for $250,000 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:
Travelers Home Insurance Review (2026)
Updated: August 1, 2026
Advertising & Editorial Disclosure
Travelers
MoneyGeek Rating
3.6/ 5
4.1/5Affordability
3.8/5Customer Experience
1.7/5Coverage Points
Average Annual Premium
$5,435Number of Endorsements
8Number of Discounts
5
MoneyGeek's home insurance scores weigh affordability at 55%, customer satisfaction at 30% and coverage options at 15%, so affordability plays the largest role in Travelers' 3.65 out of 5 overall score. Scores and rates are based on a sample homeowner between 41 and 60 years old with good credit and no recent claims, insuring a home built in 2000 with $250,000 in dwelling coverage and a $1,000 deductible. That pricing comes from actual rates insurers file with state regulators, gathered across 925 ZIP codes and 57 carriers, not estimated or self-reported quotes. Read more about MoneyGeek's home insurance methodology.
Travelers Home Insurance Review: Overall Costs by Profile
Data filtered by:
$1,000
Below Fair
1 claim in past 5 year
Middle Age
| $100K Dwelling / $50K Personal Property / $100K Liability | $442 | $5,306 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $720 | $8,642 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $1,105 | $13,260 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,533 | $18,398 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,991 | $23,891 |
A home's age affects the price more than it might seem. On the same $250,000 policy, a newer home averages $276 monthly, compared to $452 monthly for a middle-aged home, a difference that has nothing to do with the coverage limit chosen. Insuring an older home costs more, at $514 monthly, so the increase continues rather than leveling off once a home passes new-construction age.
Travelers Home Insurance Review: Rates by State
Travelers' home insurance costs differ sharply by state. Delaware averages $696 per year, the lowest among the states reviewed, while Montana averages $19,891, nearly 29 times higher for the same coverage.
| State | Average Annual Premium |
|---|---|
| Alabama | $10,670 |
| Arizona | $6,738 |
| Arkansas | $13,742 |
| Connecticut | $5,361 |
| Delaware | $695 |
| Georgia | $1,989 |
| Illinois | $9,291 |
| Indiana | $8,862 |
| Maine | $2,391 |
| Maryland | $6,628 |
| Massachusetts | $4,478 |
| Mississippi | $11,358 |
| Montana | $19,921 |
| Nebraska | $17,989 |
| New York | $1,439 |
| Ohio | $5,458 |
| Pennsylvania | $6,403 |
| South Carolina | $5,518 |
| Tennessee | $6,270 |
| Vermont | $2,503 |
| Virginia | $8,690 |
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 Homeowners Insurance Discounts
Travelers offers five homeowners insurance discounts, and two of them target something more specific than the generic bundling or safety-device discounts most policies include. A LEED-certified home, for instance, can qualify for the Green Home discount on the premium and Green Home Coverage on the claims side, pairing the two instead of treating them as separate features.
Homebuyer Discount | For customers who bought their home within 12 months of the policy's effective date, timed to when a new owner is already comparing lenders, movers and closing costs, not just insurance. |
Multi-Policy Discount | Saves when bundling a Travelers homeowners policy with another Travelers product, like auto insurance, worth checking first for anyone who already holds one. |
Protective Device Discount | For homes with safety features like smoke detectors, sprinklers, security systems or smart home devices, recovering some of that cost through a lower premium. |
Loss-Free Discount | Rewards policyholders who haven't filed a claim within a set period. Travelers averages $452 monthly for a claim-free homeowner on a $250,000 policy versus $585 monthly for someone with two claims in the past five years, so staying claim-free carries real weight here. |
Green Home Discount | Up to 5% off for LEED-certified homes, pairing with Green Home Coverage below so certified homeowners get a break on the premium and eco-friendly materials covered if they ever need to rebuild. |
What Does Travelers Homeowners Insurance Cover?
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 CoverageDwelling coverage covers the structure of the home, including walls, roof and built-in fixtures, against events like fire or wind damage. If the damage is significant, Travelers can inspect it virtually through mobile measurements or a video call, or send an adjuster on-site, before repairs start.
Other Structures CoverageOther structures coverage covers buildings on the property that aren't attached to the main home, such as a detached garage, shed or fence, extending protection beyond just the house itself.
Personal Property CoveragePersonal property coverage replaces belongings like furniture, clothing and electronics if they're damaged, destroyed or stolen. Homeowners can track that claim's progress and share documentation through the MyTravelers portal instead of relying on phone calls alone.
Personal Liability CoveragePersonal liability coverage kicks in for a homeowner if someone is injured or their property is damaged and the homeowner is found responsible, covering legal expenses, medical bills and damages up to the policy limit.
Medical Payments CoverageMedical 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 CoverageLoss of use coverage pays for temporary living expenses, like hotel stays and meals, if the home becomes uninhabitable after a covered loss. Since Travelers can line up a licensed contractor through its own network of vetted service providers, that stretch before repairs start is often shorter than searching for one independently.
TRAVELERS HOME INSURANCE COVERAGE AREA
MoneyGeek collected Travelers rate data across 22 states for this review, and pricing swings as much within that list as the discounts and coverage options do, from $58 monthly in Delaware to $1,657 in Montana. Green Home Coverage, the Green Home discount and other add-ons can vary by state, so a direct quote from Travelers or a licensed local agent is the only way to confirm what's actually available at a specific address.
Optional Home Insurance Coverages from Travelers
Travelers offers eight homeowners insurance add-on coverages. Availability varies by state.
Special Personal Property Coverage | Expands protection for belongings against more risks than a standard policy names, for homeowners who want broader protection than the causes of loss a standard policy lists. |
Contents Replacement Cost | Covers the cost to replace items at current value without deducting for depreciation, so a five-year-old couch gets replaced at what a new one costs today. |
Additional Replacement Cost Protection Coverage | Adds extra dwelling coverage if the insured value isn't enough to rebuild after a covered loss, a safeguard against rebuilding costs outpacing the original policy limit. |
Jewelry and Valuable Items | Protects high-value belongings like jewelry and collectibles that may exceed a standard policy's built-in cap for that category. |
Personal Articles Floater | Provides separate or higher limits for specific valuables like fine art, jewelry or instruments, insuring a single item on its own terms instead of a blanket category limit. |
Water Backup and Sump Pump Discharge or Overflow | Covers damage from water backing up from sewers or drains, or a sump pump overflow, closing a gap a standard policy typically excludes. |
Identity Fraud | Offers up to $25,000 in expense reimbursement to help restore a stolen identity. Paired with the MyTravelers portal's secure messaging, it's meant to get that restoration process moving quickly rather than starting from scratch. |
Green Home Coverage | Helps pay to repair, rebuild or replace damaged property with environmentally friendly materials. Paired with the Green Home discount above, it's one of the more complete two-sided offers on this list, covering both the premium and the rebuild. |
What Does Travelers’s Home Insurance Not Cover?
Natural disasters and earth movement. Damage from floods, earthquakes and landslides isn't covered under a standard policy, and Travelers' optional coverage list doesn't include a flood or earthquake endorsement either, so a homeowner in a high-risk area needs a separate policy entirely to close that gap.
Intentional or preventable damage. Losses caused on purpose, or through neglect like failing to maintain the home, aren't covered, since Travelers only insures against sudden and accidental events.
Business or wear-related losses. Damage tied to business use of the home, or normal wear and tear like an aging roof or deteriorating pipes, isn't covered, since these fall under routine upkeep rather than an insurable event.
How to File a Homeowners Insurance Claim with Travelers
Filing a home insurance claim with Travelers takes three channels: online, through the mobile app or by phone.
- 1Report the Claim
Contact Travelers immediately by phone, online or through the mobile app after the loss.
- 2Connect with a Claim Professional
A claim professional follows up to walk through policy details and next steps, and can register the homeowner for the MyTravelers portal to send secure messages, check status and share documents.
- 3Get the Damage Evaluated
Travelers evaluates the damage using virtual options like mobile measurements or video conferencing, or an on-site inspection, depending on the loss.
- 4Line Up a Contractor
The homeowner needs a licensed, bonded contractor for repairs; Travelers can point to its list of vetted service providers or, if eligible after inspection, its repair network for property claims.
- 5Receive Payment
Once a covered loss is confirmed, Travelers issues payment by check or ePay with the deductible subtracted; if a mortgage company or lienholder is on the policy, the homeowner needs to contact them directly about releasing funds.
- 6Address Cost Changes
If repair costs run higher than the original estimate, contacting the claim professional early can help adjust the settlement and keep repairs on track.
COMPARE TRAVELERS HOME INSURANCE WITH OTHER PROVIDERS
Travelers Homeowners Insurance Review: Bottom Line
Travelers scores 3.65 out of 5 in MoneyGeek's review, ranking 14th out of 14 home insurers, mostly due to a coverage score of 1.67 out of 5, the lowest reviewed. A $250,000 dwelling policy averages $452 monthly, or $5,435 per year, with affordability the stronger category at 4.11 out of 5. Five discounts and eight optional coverages, including the paired Green Home discount and coverage, give homeowners ways to shape their costs and policy terms.
Travelers Home Insurance: FAQ
Travelers scores 3.65 out of 5 in MoneyGeek's review, ranking 14th out of 14 insurers evaluated, mostly due to a coverage score of 1.67 out of 5. Affordability is its strongest category at 4.11 out of 5, so it tends to suit homeowners focused on price more than a wide range of coverage options.
Homeowners with excellent credit see some of Travelers' lowest rates, averaging $120 monthly for a $250,000 policy compared to $877 monthly for poor credit. Location matters too, since the same policy averages $58 monthly in Delaware versus $1,657 in Montana.
Travelers offers five discounts, including Multi-Policy for bundling with auto insurance and Green Home for LEED-certified homes, which can save up to 5%. A Loss-Free discount also rewards homeowners who haven't filed a claim within a set period.
Claims can be reported online, through the mobile app or by phone, and a claim professional follows up with next steps. Travelers offers virtual inspection options like mobile measurements or video conferencing as an alternative to an on-site adjuster visit.
Homeowners can request a quote directly through Travelers' website or by calling a local agent. Comparing coverage limits, deductibles and add-ons like water backup before finalizing helps ensure the quote reflects what's actually needed.
Home Insurance Review for Travelers: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Travelers. "Homeowners Insurance Coverage." Accessed December 29, 2025.
- Travelers. "Homeowners Insurance Discounts." Accessed December 29, 2025.