Travelers Home Insurance Review

#1 in Home Owners Insurance

Travelers Home Insurance

Travelers Insurance is one of the largest insurance companies in the country based on revenue and market value. The company offers a variety of discounts including installing protective devices, newly built and renovated homes, as well as multiple policies. Travelers discounts and policy options are pretty standard for the industry, but one major area of concern is the price of their premiums... quite high compared to competitors.

Home Insurance Products Offered

Dwelling coverage
Other structures coverage
Personal property coverage
Loss of use coverage
Liability insurance
Additional home coverage

*** Floods, earthquakes and other perils are not usually covered under standard policies. Additional coverage is available but this might only be possible by purchasing additional insurance.

Net premium written (A.M. Best)


Better Business Bureaus (BBB Ratings)

  • The Travelers Companies, Inc. is BBB accredited carrying a grade of A+.


Age of Home Yes
Age of Policy Holder No
Multiple Policies Yes
Newly Purchased Home Yes
Newly Renovated Home Yes
Home Security Equipment Yes     

*** Green Home Discount helps you save up to 5 percent if your home is certified 'green' by the Leadership Energy and Environmental Design (LEED) organization.


Covers cost of rebuilding/ repairing due to a covered peril Yes
Personal liability coverage for personal/ property damage Yes
Covers living expenses outside of the home during rebuilding/ repairs Yes
Coverage for medical expense Yes
Is widely available across the country Yes
Personal property insurance for loss or damage for covered instance Yes            

*** Travelers Home Insurance provides coverage for condos, farms and common dwelling structures. But the company does not provide coverage for older homes (HO8).  

Financial Ratings

Travelers Home Insurance is backed by 150 years of experience and is a leading property casualty provider in the country. It also operates in Canada, Ireland, Brazil and the UK. The company enjoys good ratings with all the major ratings agencies, A.M. Best, Fitch, Standard and Poor's and Moody's.

S & P


Fitch Ratings




AM Best


Bottom Line

It’s quite surprising that such a big company would not include perils or coverage for properties such as mobile home and older homes. The company also does not allow you to purchase online. You can get quotes but will eventually have to be shuffled to an agent. However, Travelers does come on top with its solid financial ratings. Home insurance is one of the biggest and long running purchases a person will make, so it makes sense to know your company will be able to meet its obligations far into the future. For such a large and consequential financial decision, you might want to count on the security and stability provided by an industry leader that has been around forever.