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 offers low home insurance rates and ranks well in our survey, and with wide availability, it's a good choice in most locations.
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 | $5,271 |
| Alaska | - |
| Arizona | $3,010 |
| Arkansas | $3,635 |
| California | $1,103 |
| Colorado | - |
| Connecticut | $1,505 |
| Delaware | $1,524 |
| Florida | - |
| Georgia | $2,578 |
| Hawaii | - |
| Idaho | - |
| Illinois | $2,475 |
| Indiana | $3,592 |
| Iowa | - |
| Kansas | - |
| Kentucky | - |
| Louisiana | - |
| Maine | - |
| Maryland | $1,442 |
| Massachusetts | $1,358 |
| Michigan | - |
| Minnesota | - |
| Mississippi | $3,056 |
| Missouri | - |
| Montana | $2,961 |
| Nebraska | $5,041 |
| Nevada | - |
| New Hampshire | - |
| New Jersey | - |
| New Mexico | - |
| New York | $1,733 |
| North Carolina | - |
| North Dakota | - |
| Ohio | $2,473 |
| Oklahoma | - |
| Oregon | - |
| Pennsylvania | $1,414 |
| Rhode Island | - |
| South Carolina | $5,433 |
| South Dakota | - |
| Tennessee | $3,503 |
| Texas | - |
| Utah | - |
| Vermont | $1,199 |
| Virginia | $2,044 |
| 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, including coverage for the house, other structures, personal property, loss of use and personal liability.
Standard coverages:
- 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)
Does Travelers home insurance cover water damage?
Yes, Travelers homeowners insurance policies cover water damage when caused by a covered peril, such as a burst pipe or storm damage to the roof, causing water to enter the home. Water damage must be sudden and accidental to be covered and not caused by wear and tear or neglect. Flood damage is not covered by homeowners insurance.
How much is Travelers home insurance?
The average annual cost of a Travelers homeowners insurance policy is $2,235, or $186 a month, for $300,000 in dwelling coverage. That's below the national average home insurance rate of $2,453 a year. 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
The biggest Travelers home insurance discount is for a new home, 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?
Travelers' home insurance rates go up the most for filing a claim, with an average increase of 25%.
| 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 ranks above average for customer satisfaction, price and ease of service, but below average for claims satisfaction, compared to other national carriers.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings | Claims handling |
|---|---|---|---|---|---|
| Travelers | $2,235 | 84% | 91% | 89% | 76% |
| Amica | $1,510 | 78% | 78% | 79% | 83% |
| Allstate | $2,049 | 81% | 89% | 88% | 82% |
| State Farm | $2,448 | 85% | 92% | 86% | 79% |
| Farmers | $2,820 | 84% | 84% | 83% | 76% |
| Nationwide | $2,983 | 85% | 85% | 85% | 84% |
| Progressive | $4,227 | 76% | 79% | 77% | 65% |
| USAA | $2,401 | 91% | 93% | 88% | 87% |
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 strong customer service. Our survey found that most customers (90%) trust the company, and 92% plan to renew. Below, we compare it to similar-sized carriers on three metrics: trust, recommendation to others and plans 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 |
Who is Travelers home insurance best for?
Travelers home insurance is best for people who want a combination of low rates and good customer service, and value company reputation as much as affordability. Choose Travelers for your home insurance if:
- You want to balance affordability with good service
- You prefer to work with a large carrier
- You're comfortable handling your policies with or without an agent
- You need coverage in a high-risk state like Florida or California
How to file a claim with Travelers home insurance
To file a claim with Travelers, contact the company via phone or file the claim on the company website or via the mobile app. Provide details of the loss, including documentation such as photos, then work with the adjuster to settle the claim and complete repairs.
Steps for filing a Travelers home insurance claim:
- Contact Travelers by phone at 1-800-252-4633, or file your claim online on the Travelers website. Claims can also be filed via the Travelers app.
- Provide details of the loss, including the time and date, a description of the damage and photos or video evidence.
- Work with your adjuster to review your coverage and get estimates for repairs
- Complete repairs and submit the final total cost to Travelers to complete the settlement
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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