Travelers Home Insurance Review: Service, Cost, & More (2023)

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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 22, 2024

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Does Travelers Have Good Customer Service?

Travelers received an overall score of 87 out of 100 from MoneyGeek. While it has a perfect financial stability score and a high rating for affordability, its customer service is average.

When shopping for the best homeowners insurance, it’s important to take into account a company’s customer service. That way, you are assured of quality service in your time of need.

Customer Satisfaction Rating

Customer satisfaction indicates a company’s ability to provide quality service and follow through on claims. Travelers received a customer satisfaction score of 3.55 out of 5 from MoneyGeek. It also ranked within the top 20 homeowners insurance carriers on J.D. Power’s 2021 U.S. Home Insurance Study, receiving a score of 800 out of 1,000.

Customer Complaint Index

Customer satisfaction is also measurable through complaint scores from the National Association of Insurance Commissioners (NAIC). Travelers has a score of 0.42 on NAIC’s complaint index report. It’s much lower than the national median of 1.00, which means Travelers receives fewer complaints than the average insurer.

Financial Stability Rating

Travelers has an A++ rating from AM Best, an organization that assigns insurance providers a financial strength rating, indicating the company’s superior ability to meet its ongoing insurance obligations.

What To Expect From Travelers Homeowners Insurance

Choosing a homeowners insurance company can be challenging, especially for first-time buyers. To help you through the process, MoneyGeek outlined how to acquire, manage and cancel a Travelers homeowners insurance policy.

Getting a quote

Travelers has an online quote tool that you can use to obtain a personalized estimate. Alternatively, you can peruse the Travelers homeowners insurance quotes gathered by MoneyGeek in the next section.

Customer support

If you have any billing or policy service questions, you can contact Travelers by calling 1-800-842-5075. Its customer service team is available to offer assistance 24 hours a day, 365 days a year.

Filing a claim

You can file a claim through the Travelers mobile app, online portal or claim center hotline at 1-800-252-4633.

Canceling your policy

To cancel your Travelers homeowners insurance policy, you need to call its customer service hotline at 1-800-842-5075. You can also cancel by mail.

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Travelers lets policyholders file a claim through its mobile app or online portal. You may also call its claim center hotline at 1-800-252-4633, which is available 24 hours a day, every day.

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You can purchase Travelers homeowners insurance in most states, except for the following:

  • Alaska
  • California
  • Florida

How Much Does Travelers Homeowners Insurance Cost?

The average cost of homeowners insurance is $1,979 per year, but this can vary greatly based on the home’s location, age, construction type and other factors. As such, it’s best to talk to an agent or get a Travelers homeowners insurance quote online to determine how much you need to pay for a policy.

Dwelling Coverage
Annual Premium







The cost of homeowners insurance depends on various factors, including your location, dwelling coverage amount, personal liability coverage and deductible.

A dwelling coverage of $250,000 is usually a good starting point, but it’s still best to determine how much homeowners insurance you need by assessing your home’s value. Additionally, you need to determine limits for other coverages, which can impact your monthly premium.

You can use MoneyGeek’s homeowners insurance calculator to estimate your insurance costs based on the coverage limits you need.







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Home Insurance Calculator

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Rates updated:

Jun 13, 2024

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Excellent (750-850)
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The cost of rebuilding your home can often be expensive. While choosing a lower coverage limit and higher deductible can help reduce your monthly premium, you may end up paying more out of pocket if your home needs rebuilding or extensive repairs.

What Discounts Does Travelers Offer?

Travelers has five discount opportunities for homeowners insurance policyholders, lower than the industry average of seven. Although the majority of its discounts are commonly offered by competitors, Travelers has relatively rare discounts for home buyers and those with “green homes.”


Multi-Policy Discount

Save up to 12% on Travelers homeowners insurance by bundling it with an auto insurance policy and three other policies from Travelers.

Home Buyer

You are eligible for this discount if you purchased your home within 12 months prior to the policy effective date.


Travelers gives a discount if you have not experienced a loss within a specified time period.

Protective Device

Save money by having protective devices installed in your home. These include smoke detectors and fire alarms, interior sprinkler systems, home security systems or smart home technology.

Green Home

Receive a discount of up to 5% if your home is a certified “green home” by the Leadership Energy and Environmental Design (LEED) organization.

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Most insurance providers give you a discount if you insure your home and car with them. With Travelers, homeowners can save up to 12% by bundling multiple insurance policies, such as auto insurance and umbrella, pet insurance and boat.

Which Coverage Types Does Travelers Offer?

Travelers homeowners insurance includes the standard dwelling, personal property, personal liability and loss of use coverage. Aside from those, it offers six additional coverages, which is more than the industry average.

It’s worth noting that the optional coverages Travelers offers are mostly common, such as contents replacement cost and extended reimbursement coverage. However, its energy efficiency upgrade is relatively unique, covering the costs to repair, replace or rebuild with green materials after a covered loss.

You can check the chart below to find out more about the add-on coverages you can purchase from Travelers.

Contents Replacement Cost

This helps cover personal property losses depending on your replacement cost at the time of loss, with no deduction for depreciation.

Extended Reimbursement

It provides an additional amount of coverage to help repair or rebuild your home if your dwelling coverage is not enough to cover the cost to repair or rebuild after a covered loss.

Scheduled Personal Property

The Travelers Valuable Items Plus coverage provides higher limits and expanded protection for special classes of property, like jewelry and silverware.

Back-Up of Sewer or Drain

This helps cover the loss up to a specified dollar amount if water backs up from a sewer or drain within your home or if water discharges or overflows from your sump pump.

Cyber Event/ID Theft

With this, you get up to $25,000 to help cover expenses related to restoring your identity if it's used fraudulently.

Energy Efficiency Upgrade

This coverage provides additional protection that can help cover the costs to repair, replace or rebuild with green materials after a covered loss.

When shopping around for homeowners insurance, it’s important that you have the standard coverages. Among them are personal property, personal liability and loss of use coverage.

Depending on where you live, you may also need to purchase flood, earthquake or insect damage coverage. However, some you purchase as an endorsement or a separate policy. Travelers, in particular, doesn’t offer earthquake or insect coverage but does have a partnership with Neptune Flood to provide flood insurance to homeowners.

Ultimately, how much homeowners insurance coverage you need is up to you, but make sure that your policy includes the following standard coverages.

Personal Property
Personal Liability
Other Structures
Loss of Use

What Online Homeowners Insurance Tools Does Travelers Offer?

Companies can improve the customer experience with the availability of certain online tools and features. Travelers has several tools that policyholders can use to obtain quotes, manage policies and make payments.

Online Quote Tool
Mobile App
Flexible Payment Options
Online Bill Payment
Online Claims

Other Travelers Insurance Products

Aside from homeowners insurance, Travelers offers other insurance products. These include auto insurance, condo insurance, boat and yacht insurance, motorcycle insurance, landlord insurance, umbrella insurance, travel insurance and pet insurance. Keep in mind that bundling multiple policies from Travelers can get you a discount.

Type of Product

Car Insurance

Travelers auto insurance offers unique discounts and add-on coverages, such as roadside assistance, accident forgiveness, new car replacement and gap insurance.

Condo Insurance

This protects your personal property and covers personal liability.

Boat and Yacht Insurance

Boat insurance from Travelers covers a loss or damage to your boat and financially protects you against injuries or damage caused by covered mishaps.

Landlord Insurance

Travelers landlord insurance protects rental properties containing one to four units, including apartments, condominiums and single- or multi-family homes that you own or rent to others.

Umbrella Insurance

This provides additional liability coverage that can protect your assets like your home, car and boat.


To evaluate Travelers as a homeowners insurance company, MoneyGeek analyzed the Travelers website, collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.