Travelers Home Insurance Review

Rating: 9.5 / 10 (Excellent)
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Travelers is a multinational corporation mainly dealing in commercial, personal property and casualty insurance. Based in New York City the stalwart organization has been in operation for more than 160 years. Travelers has close to 30,000 employees and 20,000 independent agents spread across the US, Canada, the UK, Ireland, and Brazil. The company has very strong financial strength ratings and a reputation as one of the best property insurers in operation today.

How is Travelers rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 9.5 / 10 (Excellent)

Travelers offers solid home insurance policies with every type of coverage you could need. They also give customers access to a lot of additional a la carte coverage options other carriers don't provide. Their discount offerings are, however, a little thin when compared to industry standards. Travelers is, though, an enduring financial presence with an enormous footprint and rock solid financial ratings in terms of claims paying ability and creditworthiness.

Financial Strength

Financial Strength - 10 / 10

Travelers has impeccable financial strength ratings. As an insurance company in operation for more than 160 years, they are well situated to honor claims into the foreseeable future. This is of particular value when it comes to homeowners insurance as claims are very often made on a large scale, as in the case of natural disasters. A carrier like Travelers will need to pay out sufficient amounts to deal with entire affected regions. Travelers has strong S&P and Moody's ratings, not to mention the highest grade possible from A.M. Best.
The Travelers Indemnity Company
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Travelers home insurance policies: The Travelers Indemnity Company.

Customer Experience

Customer Experience - 9.5 / 10

Travelers boasts a more or less standard customer service score. The company carries an A+ with the BBB. Although they have a disproportionate number of complaints with the organization, Travelers has taken the time to address them all and give dissatisfied customers personal attention and avenues of resolution.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 2.58) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Travelers Coverage

Coverage - 9 / 10

Travelers offers just about every type of standard and additional coverage a homeowner might need. This is augmented by special personal content replacement, jewelry or other valuable item coverage, scheduled personal articles floater, and even ID fraud protection.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Additional Living Expense Coverage
Additional Coverage
Water Backup Coverage
Enhanced Dwelling Protection
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 9 / 10

Travelers does not have as robust a list of discounts on their website when compared to similarly-sized carriers. The company offers reductions for new home purchase, as well as certain safety features. At the policy level they only offer a claims free and multi-policy bundle discount. However, an interesting feature is the company's "green home discount." This can get homeowners up to a 5% discount if their dwelling has been certified green by the Energy and Environmental Design (LEED) organization.

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • Multi-Policy
  • Claim-Free

Contact & Additional Information

Homepage URL
Company Phone
(800) 328-2189
Headquarters Address
485 Lexington Avenue, New York, NY, 10017
Year Founded

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Customer Comments & Reviews

Loading Reviews ...
West Chester, Pennsylvania
By far the worst home insurance I’ve ever had! Gave a feeling that they only want to collect money from me, but when I need them. They just dumped me! I had on basement pipe burst in 2014. It got covered. But I didn’t realize that claim trun to be a killer of my home insurance. I was not able to switch home insurance anymore because of this claim, which is not much. Only $10,000 that fixed my whole basement. After that I bought a new house and leave my old house as a rental. Called travelers, said they won’t sell me a policy because I had a claim in past 5 years. Excuse me?! I thought insurance is for accident and unexpected situation! Why do I hav to be punished for a one time... Read More

Hampton, Virginia
Bait and switch. They will quote you one price online. Then when you go to purchase the policy, they'll tell you that the online system quotes the "silver" package which they are unable to sell you, and that all they can sell is the "gold" package.

Bozzy L
Staten Island, New York
Horrible ! I had a flood in my basement and they took 6 days to send an adjuster and would not confirm coverage and were reviewing the claim for 10 days and paid out as little as possible and were skeptical and critical of all the damages and the adjuster seemed clueless, rude and not very obliging or helpful either !

Brooke A
Decatur, Georgia
These people just can't seem to get anything right. They are the worst company to deal with. Because of their repeated mistakes, I am now canceling all three of my policies with them. They should be at the bottom of the pile. Brooke Anderson

Gregory W
Bethlehem, Pennsylvania
I filed a homeowners claim for a burglary of My home which occurred in February. It is now almost November and I have not been reimbursed for the stolen items! I have had Homeowners insurance since 1980 and in that time have only had one minor claim for storm damage. So this would represent the second claim in almost 37 years. To add insult to injury, the investigator was very accusatory towards me and said that if I dropped the claim now that He wouldn't investigate any more, but if not, I could face jail time! He did this in order to get me to drop the claim. This was intimidation and it was not warranted in any way! He happens to be a former police detective using his interrogation... Read More

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!