On this page13 sections
- Ratings and complaints
- Travelers vs. competitors
- Pricing
- Step by step
- Travelers home insurance legitimacy and licensing
- How much is Travelers home insurance?
- What Travelers home insurance covers
- Travelers complaints and claims
- Where Travelers sells home insurance
- How to cancel Travelers home insurance
- What customers say
- Alternatives
- FAQ
Travelers suits homeowners who want useful add-ons such as water backup, identity fraud and green home coverage and who like working with an independent agent. It is a legitimate, financially strong home insurer with an A++ (Superior) AM Best rating affirmed in August 2026 and fewer home complaints to regulators than expected for its size, per NerdWallet. The tradeoffs are price and service: NerdWallet's sample average of $2,710 a year is above the national average of $2,490, and Travelers scored below average in J.D. Power's 2026 home insurance (614) and property claims (700) studies.
- Financial strength
- AM Best A++ (Superior), stable outlook, affirmed August 21, 20261
- Average premium
- $2,710 a year for $400,000 of dwelling coverage vs. $2,490 national average (NerdWallet sample)2
- J.D. Power 2026
- Home Insurance Study 614 (17th, average 644); Property Claims Study 700 (9th, average 702)10
- Where you can't get a quote
- Alaska, Florida, Hawaii and Louisiana, per Travelers3
- Discounts
- Homebuyer, multi-policy, protective device, loss-free, green home (up to 5%) and early quote (up to 10%)4
- Notable add-ons
- Water backup, identity fraud expense (up to $25,000), green home, contents replacement cost, additional replacement cost5
- BBB
- A-, not accredited; 828 complaints in the last 3 years (all Travelers lines)6
Pros
- AM Best A++ (Superior) financial strength
- Fewer home complaints to regulators than expected, per NerdWallet
- Water backup, identity fraud and green home add-ons
- Early quote discount up to 10% and green home discount up to 5%
- Sold through independent agents who can compare quotes
Cons
- Sample average premium above the national average
- Below-average J.D. Power home and claims scores in 2026
- No quotes in Alaska, Florida, Hawaii or Louisiana
- BBB rating dropped to A-
- Flood coverage needs a separate policy, as with most insurers
Best for: Homeowners who want a financially strong insurer with good add-ons and an independent agent to manage the policy.
Skip it if: You live in Alaska, Florida, Hawaii or Louisiana, or you want the lowest price or the best-rated claims service.
Travelers vs. competitors
| Company | Average premium (NerdWallet, $400K dwelling) | J.D. Power 2026 home study | J.D. Power 2026 claims study | How you buy |
|---|---|---|---|---|
| Travelers | $2,710 | 614 (17th) | 700 (9th) | Independent agents, online, phone; not in AK, FL, HI, LA |
| State Farm | $2,415 | 665 (5th) | 690 (11th) | Captive agents, online, phone |
| Allstate | $2,715 | 638 (tied 11th) | 672 (13th) | Agents, online, phone |
| Nationwide | $3,345 | 646 (9th) | 720 (5th) | Agents, online, phone |
| Liberty Mutual | Not in this sample | 608 (18th) | 722 (4th) | Online, phone, agents |
Travelers pricing at a glance
Sample average home insurance premiums, $400,000 dwelling coverage (NerdWallet, as listed October 2026)2
| Insurer | Average per year | Average per month |
|---|---|---|
| State Farm | $2,415 | About $201 |
| Progressive | $2,580 | About $215 |
| Travelers | $2,710 | About $226 |
| Allstate | $2,715 | About $226 |
| Farmers | $3,250 | $271 |
| Nationwide | $3,345 | About $279 |
NerdWallet's sample rates for a 40-year-old homeowner with good credit and a $1,000 deductible; the national average in that sample is $2,490. J.D. Power's study data put Travelers customers' average annual rate at $2,454. Travelers does not publish average premiums; your price depends on your state, home, roof, claims history and, where allowed, credit.
Travelers, step by step
Get a quote
Start online with your ZIP code, call Travelers, or work with an independent agent who can compare other insurers. Buying early can earn up to 10% off.
Set your coverage
Choose dwelling, other structures, personal property, liability and loss of use limits, and your deductible. Check that dwelling coverage matches the current cost to rebuild.
Add endorsements
Consider water backup, contents replacement cost, additional replacement cost and scheduled jewelry. Flood needs a separate policy.
Apply discounts
Ask about bundling, protective devices, a recent home purchase, a loss-free record and LEED green home certification.
File a claim
Report claims online, in the app, by phone or through your agent. Photograph the damage and make temporary repairs to prevent more loss.
Travelers home insurance legitimacy and licensing
Yes. The Travelers Companies, Inc. is a publicly traded insurer (NYSE: TRV) with about 170 years of history, more than 30,000 employees and about 15,000 independent agents and brokers. AM Best affirmed its main insurance companies at A++ (Superior) on August 21, 2026. NerdWallet’s read of NAIC data shows fewer home insurance complaints than expected for its size.
Satisfaction scores lag. Travelers placed 17th of the ranked insurers in J.D. Power’s 2026 home insurance study (614 versus a 644 average) and 9th in its 2026 property claims study (700 versus 702).
How much is Travelers home insurance?
Travelers doesn’t publish prices. In NerdWallet’s sample for a $400,000 home with a $1,000 deductible, Travelers averaged $2,710 a year, about $226 a month, above the $2,490 national average and close to Allstate ($2,715), but more than State Farm ($2,415) and Progressive ($2,580). J.D. Power’s data put Travelers customers’ average annual rate at $2,454.
Listed discounts include early quote (up to 10%), green home (up to 5% for LEED-certified homes), homebuyer, multi-policy, protective devices and loss-free. Get quotes from at least three insurers, since rates vary widely by ZIP code and home.
What Travelers home insurance covers
Standard policies cover your dwelling, other structures, personal property, personal liability and loss of use. Optional coverage includes special personal property, contents replacement cost (no depreciation, with limits on jewelry and watches), additional replacement cost protection if rebuilding costs exceed your dwelling limit, scheduled jewelry and valuables, water backup and sump pump overflow, identity fraud expense up to $25,000 and green home coverage for rebuilding with green materials.
Water backup coverage excludes flood and surface water. For flood, you need a separate policy, such as one through the National Flood Insurance Program.
What customers say about Travelers
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Strong financial ratings and a long history
- Useful add-ons like water backup and identity fraud coverage
- Independent agents who can shop other insurers
Common complaints
- Slow claim handling and poor communication
- Long hold times and calls that aren't returned
- Premium increases at renewal
- Billing and autopay errors
Travelers complaints and claims
The BBB rates Travelers A-, not accredited, with 828 complaints in three years across all its products, and Trustpilot shows 1.4 out of 5 from 147 reviews. Common complaints are slow claims, poor communication, long hold times and renewal increases. NerdWallet still found home complaints to regulators below the expected level for an insurer Travelers’ size, which suggests most customers don’t escalate.
After a loss, document the damage with photos, keep receipts for emergency repairs and get every adjuster decision in writing. If a claim stalls, file a free complaint with your state insurance department.
Where Travelers sells home insurance
Travelers says it doesn’t quote homes in Alaska, Florida, Hawaii or Louisiana. Product availability and discounts vary by state and underwriting. Travelers sold its Canadian personal insurance business to Definity on January 2, 2026, so Canadian homeowners with Travelers policies are now Definity customers.
How to cancel Travelers home insurance
Call Travelers or your agent. If you have a mortgage, line up a new policy first and send the new declarations page to your lender so it doesn’t buy force-placed coverage. Set the cancellation for the day the new policy starts and ask in writing how any unused premium will be refunded.
Alternatives to Travelers
- State Farm Lower sample premium and a higher J.D. Power home insurance score, sold through local agents. Read review
- Nationwide Costs more on average but ranked 5th in J.D. Power's 2026 property claims study. Read review
- Your state's FAIR Plan or insurance department If private insurers won't cover your home, your state's FAIR Plan is the insurer of last resort, and the insurance department lists licensed carriers for free.
Travelers reviews
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Frequently asked questions
Is Travelers good for home insurance?
It's financially strong, with an A++ AM Best rating, and has fewer complaints to regulators than expected for its size. It scored below average in J.D. Power's 2026 home and claims studies, and its sample prices are above average.
How much does Travelers home insurance cost?
NerdWallet's sample shows $2,710 a year for $400,000 of dwelling coverage, versus a $2,490 national average. Your price depends on your location, home and claims history.
Does Travelers sell home insurance in Florida?
No. Travelers says quotes aren't available for homes in Alaska, Florida, Hawaii and Louisiana.
What discounts does Travelers offer on home insurance?
Homebuyer, multi-policy, protective device, loss-free, green home (up to 5%) and early quote (up to 10%). Availability varies by state.
Does Travelers cover water backup?
Yes, as an optional endorsement for sewer or drain backup and sump pump overflow, up to a set dollar limit. It doesn't cover flood or surface water.
Does Travelers home insurance cover floods?
No. Like most home policies, it excludes flood. Buy separate flood insurance, for example through the National Flood Insurance Program.
What is Travelers' J.D. Power rating for home insurance?
614 out of 1,000 in the 2026 U.S. Home Insurance Study, 17th among ranked insurers, and 700 in the 2026 Property Claims Satisfaction Study, 9th.
What is green home coverage?
It helps pay to repair or rebuild with green materials after a covered loss. Travelers separately gives up to 5% off for homes already LEED certified.
How do I file a Travelers home insurance claim?
Report it online, in the Travelers app, by phone or through your agent. Take photos, prevent further damage and keep receipts for emergency repairs.
Sources (11)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Earnings Whispers: AM Best affirms Travelers ratings (August 21, 2026) (accessed October 13, 2026)
- NerdWallet: Travelers home insurance review (accessed October 13, 2026)
- Travelers: Home insurance (accessed October 13, 2026)
- Travelers: Home insurance discounts (accessed October 13, 2026)
- Travelers: Home insurance coverage (accessed October 13, 2026)
- BBB: Travelers Companies, Inc. profile (accessed October 13, 2026)
- Trustpilot: Travelers reviews (accessed October 13, 2026)
- Travelers: About Travelers (accessed October 13, 2026)
- Travelers: Sale of Canadian personal insurance business to Definity completed (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Home Insurance Study, homeowners and renters rankings (Sept 15, 2026) (accessed October 13, 2026)
- Business Wire: J.D. Power 2026 U.S. Property Claims Satisfaction Study (March 17, 2026) (accessed October 13, 2026)
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