Key takeaways
Travelers ranks #3 for affordability among major home insurance carriers, with average rates of $98 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #5 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #4 — see the coverage section below for which add-ons set Travelers apart.
Travelers ratings
How much does Travelers cost?
Travelers home insurance costs homeowners $98 monthly on average, or $1,176 annually — +1% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Travelers typically prices different homeowner profiles.
Avg monthly
$98
Avg annual
$1,176
vs. national avg
+1%
How Travelers compares
+1% above the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| New homes (built post-2010) | $83 | $98 | #3 |
| Older homes (pre-1980) | $123 | $137 | #4 |
| High-value homes ($1M+) | $245 | $274 | #3 |
| Condos / townhouses | $59 | $69 | #3 |
Travelers earns #4 overall in our home rankings — the kind of performance that rewards a closer look, not a coin flip.
Travelers reputation
Travelers ranks #5 in QuoteYeti's customer experience study for home insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.73 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from Travelers has been generally adequate, though not without friction for most homeowners. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at Travelers varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at Travelers performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most homeowners report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A++ (Superior) | Superior ability to meet financial obligations — only the top tier of P&C companies earn this rating |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | AA | Very strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 809/1,000 | Above industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.73 | Near the expected level of complaints |
Travelers discounts
Travelers offers 5 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Multi-Policy Bundle | Up to 20% | Bundle home with auto insurance |
| Protective Devices | Up to 10% | Smoke detectors, fire alarms, and monitored security systems |
| Loss-Free | Up to 5% | No claims filed in the past several years |
| Green Home | Variable | Home certified LEED or built with eco-friendly materials |
| Newer Roof | Variable | Roof replaced within the past several years |
Travelers coverage options
Travelers offers a comprehensive coverage menu typical of major home insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Green Home Rebuild | Reconstruction costs using eco-friendly materials and methods | Important if you want a sustainable rebuild |
| Personal Articles Floater | High-value items like jewelry, art, and collectibles | Scheduled coverage with no deductible on most claims |
| Identity Fraud Expense | Costs to restore identity and clean up fraud | Up to $25,000 in expense reimbursement |
| Equipment Breakdown | Mechanical and electrical breakdowns of home systems and appliances | Important for older homes with aging HVAC and electrical |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Strong financial strength rating (AM Best A++)
- Green Home rebuild coverage uses eco-friendly materials
- Identity fraud expense coverage available as an endorsement
- 160+ year track record with deep claims experience
- Multi-layer protection options for high-value homes
What's not
- Top con Customer satisfaction varies significantly by region
- Higher base rates than digital-first competitors
- Limited innovation in digital self-service tools
- Less flexible underwriting in some categories
Our verdict
The bottom line
Travelers earns an overall score of 4.15/5 in QuoteYeti's home insurance provider rankings. The carrier ranks #4 nationally, with particular strength in affordability.
Travelers is best suited for homeowners who want a balance of price and service from an established carrier. Customer satisfaction varies significantly by region is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Travelers a good home insurance company?
Travelers is a legitimate home insurance carrier with a financial-strength rating of A++ (Superior). It ranks #4 overall and #3 in affordability in QuoteYeti's editorial comparison of major home insurance providers.
How much does Travelers home insurance cost?
Travelers averages $98 monthly ($1,176 annually) — +1% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Travelers typically prices different homeowners.
What discounts does Travelers offer?
Travelers offers 5 primary discounts, including Multi-Policy Bundle, Protective Devices, Loss-Free. See the full discount table above for eligibility and average savings.
Does Travelers have good claims handling?
Travelers's NAIC complaint ratio is 0.73 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate 809/1,000.
Should I choose Travelers or a competitor?
Travelers is strongest for homeowners who want established carrier reliability. Compare quotes from at least three carriers — Travelers's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for homeowners in different situations.
How we rated Travelers
QuoteYeti's home insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple homeowners profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.