- Our thoughts on Travelers
- Where can you buy Travelers homeowners insurance?
- What does Travelers homeowners insurance cover?
- How much is Travelers home insurance?
- Travelers home insurance discounts
- What makes Travelers home insurance rates go up?
- Travelers vs. competitors: How does Travelers stack up?
- What do people ask about Travelers?
- Is Travelers a good homeowners insurance company?
- Methodology
Our thoughts on Travelers
Although Travelers has a below-average score with J.D. Power, it scored fairly well in our Best Home Insurance Companies survey, with customers giving it high marks for service; it took the No. 2 spot for 2026.
Travelers’ rates are below average and have come down from $3,701 a year in 2025 to $2,235 in 2026. And with the top score available from AM Best (A++) Travelers is on solid financial footing.
“Lower premiums don't always equate to financial stability. An insurer's ability to pay claims, especially during large-scale events such as natural catastrophes and economic downturns, is crucial,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
Travelers’ ratings with J.D. Power are a little below average for claims and well below average in the overall satisfaction survey.
Overall: Travelers home insurance reviews are mixed, and rates are generally high; however, in some parts of the country Travelers offers notably low rates.
Where can you buy Travelers homeowners insurance?
Travelers homeowners insurance is available in all 50 states and D.C. Unlike other major carriers, Travelers has not pulled back in California or Florida.
| State | Average annual premium |
|---|---|
| Alabama | - |
| Alaska | - |
| Arizona | $6,002 |
| Arkansas | $9,602 |
| California | $1,097 |
| Colorado | - |
| Connecticut | $5,728 |
| Delaware | $2,096 |
| Florida | $1,108 |
| Georgia | $2,530 |
| Hawaii | - |
| Idaho | - |
| Illinois | $7,861 |
| Indiana | $8,092 |
| Iowa | - |
| Kansas | - |
| Kentucky | - |
| Louisiana | - |
| Maine | - |
| Maryland | $1,680 |
| Massachusetts | $1,847 |
| Michigan | - |
| Minnesota | - |
| Mississippi | $8,951 |
| Missouri | - |
| Montana | $7,948 |
| Nebraska | $9,512 |
| Nevada | - |
| New Hampshire | - |
| New Jersey | - |
| New Mexico | - |
| New York | $1,649 |
| North Carolina | - |
| North Dakota | - |
| Ohio | $6,626 |
| Oklahoma | - |
| Oregon | - |
| Pennsylvania | $4,837 |
| Rhode Island | - |
| South Carolina | $5,603 |
| South Dakota | - |
| Tennessee | $6,604 |
| Texas | - |
| Utah | - |
| Vermont | $3,024 |
| Virginia | $5,702 |
| Washington | - |
| Washington, D.C. | - |
| West Virginia | - |
| Wisconsin | - |
| Wyoming | - |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Travelers homeowners insurance cover?
A Travelers homeowners insurance policy covers everything included in a standard home policy:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Additional coverage can be added to your Travelers homeowners policy, such as:
- Special personal property coverage
- Contents replacement cost to replace your personal property
- Additional replacement cost protection coverage to expand your dwelling coverage
- Jewelry and high-value items coverage limits increase
- Personal articles floater
- Water backup and sump pump discharge or overflow
- Identity fraud
- Green home coverage, which pays to repair your home with green materials
Travelers home insurance excludes all of the common perils not covered by a standard policy:
- No coverage for floods and earthquakes (earthquake can be endorsed)
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment.
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Travelers home insurance?
The average annual cost of a Travelers homeowners insurance policy is $2,235 for $300,000 in dwelling coverage. But, as you can see below, the cost varies based on the amount of coverage you need. Location and other factors will also impact your Travelers homeowners insurance quote.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $1,755 |
| $200,000 dwelling, $300,000 Liability | $1,771 |
| $300,000 dwelling, $100,000 Liability | $2,218 |
| $300,000 dwelling, $300,000 Liability | $2,235 |
| $400,000 dwelling, $100,000 Liability | $2,689 |
| $400,000 dwelling, $300,000 Liability | $2,708 |
| $600,000 dwelling, $100,000 Liability | $3,730 |
| $600,000 dwelling, $300,000 Liability | $3,754 |
| $1,000,000 dwelling, $100,000 Liability | $5,625 |
| $1,000,000 dwelling, $300,000 Liability | $5,658 |
Travelers home insurance discounts
Travelers offers a good range of homeowners insurance discounts to reduce premiums. A new home earns you the biggest discount at 53% on average.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Advance purchase | $10,800 | $10,165 | 6% |
| Bundle | $8,392 | $7,922 | 8% |
| Burglar alarm | $7,959 | $7,924 | 2% |
| Deadbolt | $1,518 | $1,500 | 1% |
| Fire alarm | $8,023 | $7,913 | 2% |
| New home | $7,599 | $3,200 | 53% |
| Retirees | $2,607 | $2,167 | 17% |
| Smoke detector | $8,336 | $8,303 | 1% |
| Sprinklers | $7,599 | $7,489 | 2% |
| Water safety system | $10,735 | $10,664 | 1% |
What makes Travelers home insurance rates go up?
Home insurance can increase for a number of reasons; below are some of the surcharges Travelers may add to rates along with the reason and average rate increase.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $7,640 | $8,795 | 25% |
| Home-based business | $1,625 | $1,653 | 2% |
| Proximity to fire station | $1,090 | $1,176 | 8% |
| Smoker | $2,607 | $2,666 | 2% |
| Wood-burning stove | $9,439 | $9,772 | 4% |
Travelers vs. competitors: How does Travelers stack up?
Travelers performed pretty well compared to other top companies, although it was outranked in most categories.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Travelers | $2,235 | 84% | 91% | 89% |
| Amica | $1,510 | 78% | 78% | 79% |
| Allstate | $2,049 | 81% | 89% | 88% |
| State Farm | $2,448 | 85% | 92% | 86% |
| Farmers | $2,820 | 84% | 84% | 83% |
| Nationwide | $2,983 | 85% | 85% | 85% |
| Progressive | $4,227 | 76% | 79% | 77% |
| USAA | $2,401 | 91% | 93% | 88% |
What do people ask about Travelers?
If Travelers is on your shortlist for home insurance, you probably have some questions about the company. Here are some of the common ones asked by people like you.
Why is Travelers insurance so cheap?
Travelers has cheap insurance rates in some places and for some situations, but may be more expensive in others. If you got a cheap Travelers home insurance quote, odds are good that you fit the company’s profile for a low-risk home in a low-risk area.
Why did my Travelers home insurance rate increase?
Your Travelers rate may have increased for several reasons, including increased risk in your area or specific to your property, or due to increased construction costs. Contact Travelers to find out why you saw a rate increase.
Does Travelers offer home insurance in Florida?
Yes, Travelers does still write home insurance in Florida, although coverage may not be available in every part of the state.
Is Travelers a good homeowners insurance company?
Travelers is a highly-rated home insurance company with low rates and good customer service ratings. Our survey found that most customers trust the company and plan to renew.
Do people trust Travelers?
In our survey, 90% of the Travelers customers who responded said they trust the company. That was on the higher side; Allstate was the top-rated national carrier at 91%.
| Company | Percent of customers who say they trust the company |
|---|---|
| Travelers | 90% |
| State Farm | 90% |
| American Family | 87% |
Do people recommend Travelers?
Travelers customers recommend the carrier at a rate of 83% in our survey. Among national carriers. Allstate again took the top spot at 89%.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Travelers | 83% |
| Progressive | 82% |
| Farmers | 88% |
Do people plan to renew with Travelers?
Of the Travelers customers surveyed, 92% said they plan to renew their Travelers homeowners policy, indicating they are pleased enough with the service to stick around.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Travelers | 92% |
| Nationwide | 92% |
| Progressive | 87% |
Is Travelers good at paying claims?
In the 2025 J.D. Power survey for property claims satisfaction, Travelers scored 678 out of 1,000, placing the company a little below the average of 682. Our survey had similar results, with Travelers scoring on the lower side for claims handling; 76% said they were satisfied, while category winner Nationwide had 84% satisfaction, the top score among national carriers.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Travelers | 76% | 678 |
| American Family | 84% | 680 |
| Progressive | 65% | 697 |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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