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Travelers Renters Insurance Review

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Founded in 1853, Travelers is one of the largest and most well-established personal and commercial property and casualty insurers in the United States and abroad. The company offers both business and personal insurance products, including car, home, renters, and landlord insurance policies. Travelers earns top marks for its financial strength and customers can depend on the company's 160 years of industry experience.
 
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How Do We Rate Travelers?

Breakdown

4.0/5
Coverage Options
4.0/5
Add-Ons & Discounts
4.0/5
Customer Service
4.0/5
Financial Strength

Our Overall Rating: 4 / 5 (Very good)

Travelers is a solid insurance provider of both auto and home insurance solutions for businesses and individuals. The company has an impressively long track record, enjoys an excellent financial reputation, and has received less than the national median ratio of complaints with regard to their home insurance policies. Travelers' renters insurance plans cover everything from bodily injury and property damage liability to living expenses and medical payments. They also extend several attractive discounts and optional plan riders financially savvy customers are sure to appreciate. Overall, Travelers is a safe choice for people looking for a one-on-one insurance experience with a large range of coverage options for themselves, their property, and their valuables.

Travelers Coverage

Coverage Options - 4 / 5

Travelers offers a larger variety of coverage options when compared to similar-sized providers. Their renters insurance policy includes bodily injury liability and personal property protection, as well as additional living expenses and medical payments coverage. Optional coverage includes a personal property replacement cost for valuable items, which provides protection for special objects such as jewelry, fine art, musical instruments, collectibles, and home computers. This last option covers a variety of losses and can provide higher coverage limits, with no appraisal required.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Property Valuation Methods
Replacement Cost

Pricing & Discounts

Add-Ons & Discounts - 4 / 5

Travelers renters insurance offers discounts for installing home and fire safety equipment such as alarms, indoor sprinkler systems, and smoke detectors. The company extends discounts for people who bundle their auto and renters insurance policies and remain claim-free for a specified period of time. You may also be entitled for a discount if you live in a green-certified building. As for coverage amounts, Travelers states that most renter policies provide a $100,000 minimum of financial protection against bodily injury or property damage to others while in the policyholder's apartment. This includes damage caused by the policyholder's children, pets, and even personal activities such as sports.
Maximum Liability Coverage
$300,000
Property-Level Discounts
Burglary Protected
Fire Protection
Sprinkler System
Security / Lobby Staff

Customer Experience

Customer Service - 4 / 5

Travelers Companies, Inc. is a BBB-accredited enterprise with an A+ rating. The company does not have a presence on TrustPilot, which makes it difficult to ascertain whether Travelers enjoys a good reputation among its clients.

Customer Ratings

BBB Rating
A+

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.037
NAIC Total Complaints
21
*The NAIC complaint ratio (in this case 0.037) 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.

Financial Strength Ratings

Financial Strength - 4 / 5

Founded in 1853, Travelers is a major player in the property and casualty insurance market boasting both extensive industry experience as well as superior financial strength. This last point is substantiated by excellent financial strength and long-term issuer credit ratings from all major U.S. credit rating services including Moody's, S&P, and A.M. Best.
Underwriter
The Travelers Indemnity Company
Standard & Poor's Financial Rating
AA
Moody's Financial Rating
Aa2
AM Best Financial Rating
aa+
Company Type
Underwriter
*The above information reflects the financial strength of the underwriter of the Travelers renters insurance policies: The Travelers Indemnity Company.

Contact & Additional Information

Homepage URL
https://www.travelers.com/
Company Phone
(888) 522-0118
Headquarters Address
485 Lexington Avenue, New York, NY, 10017
Year Founded
1853

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Customize Your Coverage Limits & Deductible

  • Discounts For Home Safety & Connected Home Features
  • Personal Property Coverage For Theft, Fire, & More
  • Personal Liability Protection For Accidents & Legal Costs
  • Additional Living Expenses Coverage After Covered Losses
  • 160+ Years Of Industry Experience & Excellent Ratings
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