Travelers home insurance ratings and review 2026

Below-average rates, a low complaint ratio with the NAIC and high scores in our survey landed Travelers in the No. 2 spot for home insurance in 2026. It also has the highest possible AM Best financial stability score, A++, the only ranked company to earn that distinction.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Travelers home insurance

Travelers is the No. 2 company in our 2026 Best Home Insurance Companies ranking, thanks to a low complaint volume and top scores for policy offerings and billing process, as well as solid scores in most major categories.

  • We appreciate that Travelers scores well in areas reflecting a smooth buying experience, with customers scoring it highly for ease of service and billing.
  • Travelers topped the list of national carriers for policy offerings, indicating that customers are finding the coverage they need.
  • Consumers looking for a combination of affordable rates and excellent service will find both at Travelers; rates are below average and ratings are high.
  • Customer ratings indicate many would like to see some improvement in discounts and bundling, as well as rate increases over time.

Below is our review of Travelers. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

2
Travelers
4.30 Insure.com Score
Average Premium
$2,235
Customer Survey
NAIC
AM Best Rating
A++
Effective date:
Pros and cons
Pros:
  • Affordable insurance: Rates are lower than most major competitors
  • Great coverage options: Top-rated national company for policy offerings
  • Few complaints: The NAIC recorded a relatively low complaint volume for Travelers
Cons:
  • Limited discounts: Fewer available than competitors, customer survey reflects that
  • Not best for bundles: Rated on the lower side, bundling discount is only 12%

Who should buy Travelers home insurance?

Travelers is a good choice for you if:

  • You want to find a balance of affordable rates and solid customer service
  • You value an easy buying and billing process
  • You like having the choice of a local independent agent or direct service

It might not be the best choice if:

  • You want a lot of discounts, especially a big bundling discount
  • You want the cheapest available rate

Travelers home insurance cost: Coverage and competitor comparison

Travelers’ average homeowners insurance rate is below the national average ($2,543) by a few hundred dollars, at $2,235. That’s based on $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

  • Travelers’ average rate is about $700 more than the cheapest national carrier in our ranking (Amica, $1,510), and about $200 more than the second-cheapest (Allstate, $2,049)
  • Travelers is cheaper than State Farm ($2,448), Farmers ($2,820) and Nationwide ($2,983); it even has lower average rates than USAA ($2,401).

Compare Travelers with competitors at various coverage levels below to see how its rates might look for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Travelers scores for customer satisfaction, ease of service, policy offerings and claims

Travelers ranked well in three of our four main satisfaction areas. Travelers’ customer satisfaction came in at 84%, higher than Allstate and just one point behind State Farm, the highest-rated national carrier in this category. Ease of service (91%) and Policy offerings (89%) ratings were both high, as well.

At 76%, Travelers had a slightly lower ranking for claims handling than several competitors, including top-rated Allstate. Customers expressed the highest levels of satisfaction with ease of service and policy offerings.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Travelers84%91%89%76%
Farmers84%84%83%76%
Allstate81%89%88%82%
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How Travelers scores on customer recommendations, trust and renewals

Travelers ranks similarly to competitors when it comes to three big questions we asked survey respondents about their insurance company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

Most Travelers customers (90%) say they trust the company, and 92% plan to renew. AT 83%, fewer customers said they’d recommend Travelers than some competitors.

CompanyRecommendedTrustworthinessRenewals
Travelers83%90%92%
Allstate89%91%95%
Nationwide85%90%92%
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How Travelers scores for digital experience, auto/home bundling and discounts

Travelers customers expressed high satisfaction (83%) with the digital experience (mobile app and website). Although a few companies ranked higher, Travelers’ score in this category was in the upper half. 

Discounts were one of the lower-scored categories for many companies, including Travelers at 58%. Allstate had the best score among national companies at 68%.

For auto and home bundling, Travelers customers gave the carrier an average rating of 75%.

The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Travelers83%75%58%
Allstate86%76%68%
Progressive77%71%55%
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Types of home insurance offered by Travelers

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)

Travelers home insurance discounts

  • Multi-policy: Discounts for adding policies like auto, umbrella, boat or personal articles floaters.
  • Protective device: Discounts for automatic water shut-off systems, smoke detectors and fire alarms, interior sprinkler systems, home security systems and smart home technology that alerts you to a fire, water or burglary event
  • Home buyer: Home purchased in the past 12 months
  • Loss-free: No claims over a specified time period
  • Green home: Discount for homes certified by Leadership Energy and Environmental Design (LEED).

States where Travelers offers coverage

Graph
Table
States where Travelers offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
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Travelers at a glance

Travelers

  • Seventh-largest homeowners insurance company by market share, with $8,153,826,543 in direct premiums written according to the 2024 NAIC Market Share Report
  • Policies sold directly or through 15,000+ independent agents
  • The only ranked company with an A++ AM Best rating

Contact Travelers at www.travelers.com or 877-553-0257.

Resources and Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Travelers. “Who we are” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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