Updated: June 17, 2026
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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 and ranks 10th nationally.
Travelers ranks 14th in affordability. Coverage of $250,000 in dwelling costs an average of $571 a month.
Add-ons include 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:
| 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 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 that are lost.
Go to the Travelers website or call a local agent to request a homeowners quote.
Check available coverage levels and add-ons, including water backup and identity fraud reimbursement.
Ask about multi-policy, protective device, new home and green home discounts before finalizing.
Confirm coverage limits, deductibles and exclusions before you sign.
Filing a home insurance claim with Travelers takes three channels: online, through the mobile app or by phone.
Contact Travelers immediately after the loss.
Photograph and video all affected areas and damaged belongings.
A Travelers adjuster inspects the damage and estimates repair costs.
Travelers issues a settlement amount based on your coverage limits once the claim is approved.
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.
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.
MoneyGeek built baseline rates from a homeowner aged 41 to 60 with a 2,500-square-foot home:
This profile reflects a suburban homeowner with a well-maintained property and a stable claims history.
Company Rating Factors
MoneyGeek's score weights three factors:
Affordability (55%): We compared Travelers' premiums to the national average and competitor rates using the baseline profile. Lower costs score higher.
Customer Experience (35%): We analyzed J.D. Power satisfaction studies, AM Best Financial Strength ratings and policyholder feedback from online forums. Higher scores reflect faster claims processing, more responsive service and fewer billing disputes.
Coverage Options (10%): We evaluated Travelers' endorsements against industry standards, scoring the range of add-ons and any coverages other carriers don't offer. More options score higher.
Data sources: J.D. Power, AM Best, Quadrant Information Services
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
