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Travelers Home Insurance Ratings
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Reasons for Buying from Travelers
Customers of Travelers originally decided to purchase from the company for these reasons:
| Offered best price | 40% |
| Recommended by friend or family member | 22% |
| I had other insurance with this company | 15% |
| Reputation | 7% |
| Saw TV commercial | 6% |
| Was the company my parents had | 4% |
| Financial Strength rating | 2% |
| Saw online ad | 2% |
| The company website and mobile apps are easy to use and helpful | 2% |
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About Travelers
Types of homeowners insurance offered
- Homeowners
- Renters
- Condo
Additional policies include
- Auto
- Boat and yacht insurance
- Valuable items coverage
- Wedding insurance
- Flood insurance
- Identity fraud protection
Best Home Insurance Companies 2020: How Travelers Home Insurance Stacks Up
Travelers placed 10th in this year’s Best Home Insurance Companies survey, with an overall admirable score of 83.97. Travelers’ highest ranking was the 4th place it received for claims servicing. In the other individual rating categories, Travelers ranked 12th for value of price, 13th for ease of use of website and apps and 14th for customer service price. A majority of surveyed policyholders, 80% said they would recommend the company and 89% plan to renew.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Travelers' financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Travelers (NAIC# 27998) had a complaint ratio of 0.40 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Originally for train travelers
Travelers Insurance was founded in 1864, during the last days of the Civil War. Many Americans were traveling by train out west into territories occupied by native people defending their lands. Enter Travelers Insurance, a company founded in Hartford, Connecticut. Travelers sold travel insurance to railroad travelers. Meanwhile, in 1864, train travel was even riskier than Travelers or their customers knew. The first train robbery in American history was just two years away.
Travelers eventually branched out into additional coverage. In fact, it offered the country's first automobile policy. It was also the first to cover commercial airline travel and the first to cover space travel. Today, it's a very successful company, offering insurance in every state as well as a number of countries, including China, Singapore and Brazil.
Consider Travelers if you want that personal touch
Travelers has a network of 13,000 independent agents, and those independent agents are going to work hard to keep their customers. And since they work with multiple insurers, if you want to be insured with another company, your agent will certainly oblige. But Travelers is arguably a good pick for anyone, with a wide range of coverage, from homeowners and car insurance to more obscure but still-important insurance, such as wedding insurance, identity fraud protection and different kinds of business insurance.
Contact information
Corporate headquarters
Travelers Insurance Company
Attn: Consumer Affairs
One Tower Square, 5MS
Hartford, CT 06183
Telephone: (800) 328-2189
Types of special coverage
Water backup and sump pump discharge or overflow. Coverage for water backup and sump pump overflow damage.
Identity theft. Provides money to help you restore your credit.
Green home. Coverage helps you repair, replace or rebuild with green materials after a covered loss.
Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
New homebuyer. Discount if you recently bought your home.
Claim-free. Discount if you don't file any claims for a certain amount of time.
Protective device. Discount if your home is protected with anti-burglary systems.
Green home. Discount if your home is certified as a green home.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"They aren't good, they aren't bad."
"Billing has been unclear"
"They are not not providing good services and claim process is to slow"
"There is many hurdles in online process which is bad"
"I hate it"
"I have only had this for a while so I don't have much insight"
"I've never had an issue so I can't say anything good or bad. I just send them my money."
"They are okay"
"I've never really had any issues with them, but I've always only paid my bill I've never had to make a claim so I have no experience with their claims service or customer service"
"Same as auto, good but hard to edit information without calling a live person which, while fine, is slightly dated in this day and age."
"A good company but they keep raising their rates."
"It's a bit expensive."
"They give what I need, nothing more"
"Staff are rude to the customer which is bad thing of this company even if price is decent."
"Have not had ANY interaction with this company except to pay the bill."
"I have never had any issues with this company."
"It is a real pain in the a** to work with; I don't recommend"
"Most recent claim was less than pleasant. Had to have multiple adjusters come out & assess the issue and do claim. Was not easy reaching adjuster after initial visit and a bit of back and forth on the amount of claim"
"Seem to be reputable."
"Not impressed. I prefer to deal with a company either in person or by phone with someone in the United States not across the world with language barriers."
"We are thankful we have not had to contact this company to make a claim ."
"Company is good but their app is not user friendly"
"Nothing out of the ordinary (either way) has happened with them."
"According to me, this company policy is not able to make me feel good and secure, just worried about what isnt't covered."
"They are snotty and condensending on the phone. The prices are too high and the inspector that came to my home to qualify me for coverage was a moron."
"Best to deal with live person on the phone is hard"
"High prices I don't like"
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"Quality company"
-Age 18-36, Arizona"Company is not able to manage the claim that I made quickly"
-Age 18-36, Arkansas"They are able to solve customer issues through internet which saves customers' time"
-Age 18-36, Arkansas"Their staff manages to satisfy customers"
-Age 18-36, California"For the convenience of client, company providing good app which is making easier in the policy process"
-Age 18-36, Colorado"Had a good experience as they have good management system"
-Age 18-36, Connecticut"Good behavior about customers"
-Age 18-36, Delaware"This company is able to maintain simple process which client can understand"
-Age 18-36, District of Columbia"They are doing a good job"
-Age 18-36, Idaho"Policy is good but are not able to implement accordingly"
-Age 18-36, Illinois"I feel like my homeowners insurance might not be the best and cheapest coverage, but my agent worked really hard to earn my business. They went out of their way to straighten out the mess left by my previous insurer and have earned my loyalty"
-Age 18-36, Kansas"I think it meets standards to where I want them to be. I can get what I need to be done, and there is no excessive hassle. Although I do not enjoy dealing with customer service people in general there are few times where I actually needed to call and I have to give them praise on that as it was easy and smooth"
-Age 18-36, Maryland"Its customer need not to travel company to satisfy their complaints, queries, etc. If any but company itself travels to its customers to pacify them."
-Age 18-36, Montana"I feel very safe with them all this time, and they are very confident and secure"
-Age 18-36, New York"It was a great experience"
-Age 18-36, New York"It's the best company."
-Age 18-36, Pennsylvania"They cover all my housing insurance needs for those just-in-case moments that can occur. This insurance company is known for the quality of insurance coverage they provide. It's easy to sign up, and pay for your premiums; offering discounts for paying in full. They have a great customer service, and are able to handle your claims any time, any day."
-Age 18-36, Pennsylvania"Wonderful"
-Age 18-36, Pennsylvania"its a good company they do try to make sure that they get you the best rates possible and all the discounts"
-Age 18-36, South Carolina"Always available"
-Age 18-36, Texas"Convenient company to use"
-Age 18-36, Texas"The app they provide is easy to use and navigate, and to view policies."
-Age 18-36, Texas"Good coverage"
-Age 37-52, Alabama"They offer great options for online interaction. They also have great live customer service 24 hours and offer great specials."
-Age 37-52, Alabama"I like them."
-Age 37-52, Arizona"They are good to their customers and help fulfill finance company's requirement."
-Age 37-52, Arizona"its very easy to get covered and they are friendly when they answer the phone and the price is fair"
-Age 37-52, California"Excellent services they provide."
-Age 37-52, Colorado"They treat you with respect"
-Age 37-52, Connecticut"Easy to talk to someone when I call to ask questions or renew policy"
-Age 37-52, Delaware"Cares what happens to its customers, helps with their issues, is easy to reach and is quick to process claims."
-Age 37-52, Florida"Great company"
-Age 37-52, Florida"I would say very good and simple renewal procedure."
-Age 37-52, Florida"Their offerings are good, as compare to the others"
-Age 37-52, Florida"Affordable and helpful"
-Age 37-52, Illinois"They provide you best help when working on a claim settlement."
-Age 37-52, Illinois"You can trust them."
-Age 37-52, Illinois"Positive services they provide."
-Age 37-52, Indiana"Like it. Good services they provide."
-Age 37-52, Maine"Makes you feel like a valued customer, offers a wide range of products, and a good website experience."
-Age 37-52, Massachusetts"This company is cost effective."
-Age 37-52, Mississippi"This company has great prices."
-Age 37-52, Montana"They provide good service and different plans are there."
-Age 37-52, Nevada"I have had a few issues with my homeowners but when I contact them they are resolved quickly. I feel that I am being overcharged a bit by them. I was promised a discount for having both policies through the same company and I don't really see it."
-Age 37-52, New Jersey"Nothing but good dealings"
-Age 37-52, New Jersey"They get the job done and are easy to get in touch with."
-Age 37-52, New Jersey"Great company"
-Age 37-52, New York"Great customer service and coverage"
-Age 37-52, New York"They are my automobile company too and are very good with quick service."
-Age 37-52, North Carolina"Processed my claim quickly"
-Age 37-52, Pennsylvania"So far, in the one year I've had homeowners coverage, not a single issue."
-Age 37-52, Pennsylvania"Travelers has always been good compny AIG did not have the goods and services that Travelers offers."
-Age 37-52, Pennsylvania"They are there when/if you need them."
-Age 37-52, Tennessee"Easy to contact"
-Age 37-52, Texas"The cost is pretty good"
-Age 37-52, Texas"Easy to reach and quick to resolve any issues"
-Age 37-52, Virginia"I am always satisfied with customer service. They are easy to reach on the phone and offer prompt and helpful service."
-Age 37-52, Virginia"They are reliable"
-Age 37-52, Virginia"Had a good experience with this company so far"
-Age 53+, Arizona"Nice company providing good policies"
-Age 53+, Arkansas"Appreciation for company's staff for being so decent and nice"
-Age 53+, California"Company performed above my expectations"
-Age 53+, California"They are friendly and are willing to help you with your concerns"
-Age 53+, California"Good coverage for a good price."
-Age 53+, Connecticut"Never needed to make a claim, but costumer service is excellent. Was even contacted to let us know they were here for us if we needed them during Hurricane Irma."
-Age 53+, Florida"Professional and pleasant"
-Age 53+, Florida"On the two occasions that I have had to file a claim on my renter's policy, the situation was handled quickly and appropriately."
-Age 53+, Georgia"Great price, service"
-Age 53+, Kentucky"I have had relatively good luck with Travelers. I am pleased to be with them."
-Age 53+, Kentucky"Easy to talk with and very concerned about your needs."
-Age 53+, Maryland"Is excellent provider"
-Age 53+, Mississippi"Always there for us"
-Age 53+, Nebraska"Although I have not put in a claim - they are a reputable company and a very fair price for my policy"
-Age 53+, New Jersey"Since I have had only limited experience I base my answer on how well they responded to my questions regarding some parts of my policy and on that they were friendly and quick to answer."
-Age 53+, New Mexico"Available when needed to talk to"
-Age 53+, New York"They are easy to do business with"
-Age 53+, New York"They take care of their customers and always make sure you get the coverage you want/need."
-Age 53+, New York"Offers a valuable variety of rewards and discounts saves even more, claim specialist, running things smoothly and smartly."
-Age 53+, North Carolina"No Hassles"
-Age 53+, Ohio"Price is reasonable, they bundle and give a discount for home/car policies, they are honest and on the ball when you need them."
-Age 53+, Oregon"Don't really know, except they paid our homeowners claim quickly"
-Age 53+, Pennsylvania"Easy to communicate with and competitive price"
-Age 53+, Pennsylvania"I have never had to file a claim but when I have called witha question they were very nice and helpful."
-Age 53+, Pennsylvania"They have reasonable rates and good customer service."
-Age 53+, South Carolina"Was easy to get and the price was good."
-Age 53+, South Carolina"Fair and reputable company that charges good prices and has good customer services"
-Age 53+, Texas"They offer great coverage at goods rates when combined."
-Age 53+, Texas"It is reputable"
-Age 53+, Virginia