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In 1864, James G. Batterson launched Travelers Insurance Company by selling an accident policy with a $0.02 premium. Over 160 years later, Travelers is one of the world’s largest and most well-known insurance carriers. The property and casualty company sells a robust list of individual and commercial coverage such as auto, boat, condo, renters, umbrella, and homeowners insurance.

Here’s everything you need to know about Travelers Insurance:

What’s protected with Travelers homeowners insurance?

A Travelers home insurance policy follows the standard HO-3 form, with the option to add additional coverage like those listed below.

Optional Endorsements

Here’s a list of Travelers endorsements to consider adding to your home policy:

  • Contents Replacement Cost: Personal property will be replaced in brand new condition, such as televisions and furniture. This add-on does have some exclusions, including furs, watches, and jewelry. You can schedule high-value items under a different endorsement.
  • Extended Replacement Cost (25%, 50%, or 100%): Your basic HO-3 policy already has replacement cost protection to assist in rebuilding or repairing your house. However, this particular endorsement will increase the standard limits of that coverage.
  • Water Backup: Basic homeowners insurance does not protect the policyholder when they experience water damage due to sump pump failures, sewer or drain backups, and overflows. For a minimal price, you can add this coverage to your Travelers plan.
  • Special Personal Property: The coverage on your personal property goes from a named peril to an open peril coverage. Open Peril is how an HO5 policy form operates.
  • Jewelry and Valuable Items: An optional benefit covers a long list of unique and valuable items like jewelry, silverware, collectibles, bikes, trophies, fine art, china, furs, guns, sports, sound equipment, cameras, and computers.
  • Personal Articles Floater: If you have high-value personal items, this can help get those specific items covered on the policy.
  • Green Home Coverage: This endorsement pays for replacements and repairs within homes built with green materials.
  • Identity Fraud: Add a maximum of $25,000 in coverage for expenses related to recovering your identity after a breach.

Travelers Insurance also sells flood insurance policies via the National Flood Insurance Program (NFIP). Flood insurance is for policyholders living in a flood-prone area.


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  • Top-rated carriers — Choose from a mix of highly reputable national and regional home insurance carriers.
  • Data privacy — We don’t sell your information to third parties, and you won’t receive any spam phone calls from us.

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Discounts available with Travelers

  • Multi-Policy Discount: By combining a Travelers auto and home policy, you’ll be able to enjoy a 15% discount on your total home premium. You’ll also secure 10% off your auto premium.
  • Protective Device Discount: Save on your premium if you have smoke detectors, fire alarms, interior sprinkler systems, home security systems (e.g., ADT), and smart home technology.
  • Home Buyer Discount: This markdown is for new homeowners, specifically those policyholders that purchased their home within 12 months of the policy’s effective date.
  • Loss Free Discount: This is a deduction for customers who have gone without a claim for a specified time.
  • Green Home Discount: You can save up to 5% in premium if you have a green home certification by Leadership Energy and Environmental Design (LEED).

For all discounts, except Multi-Policy and Green Home Discounts, you’ll need to speak with a Travelers insurance agent to verify the actual discount amount as it varies from state to state.

Travelers details and reviews

Travelers is an unshakable industry giant with 30,000 employees and 20,000 independent agents across the United States, Canada, United Kingdom, Ireland, and Brazil. The carrier is currently the only property casualty company included in the Dow Jones Industrial Average.

The carrier’s most recent financial strength ratings remain excellent across many different organizations, including AM Best (A++), Moody’s (Aa2), Standard & Poor’s (AA), and Fitch (AA).

Filing a claim with Travelers

All Travelers customers can present a new property claim in a few convenient ways:

  • Online claims center
  • Claims phone number: 1-800-252-4633
  • Notify your insurance agent

The JD Power U.S. Home Insurance Study revealed the carrier to be average when it came to claims handling. Travelers Insurance has the financial resources needed to pay out claims when disaster strikes and evaluates claims by the book when it comes to what is or isn’t covered.

Where is Travelers homeowners insurance available?

Travelers offers homeowners insurance in all 50 states.

Final thoughts

The Travelers name is known throughout several continents. The property and casualty insurer has thrived for well over a century and shows no signs of slowing down. Their excellent fiscal stability and robust product offerings for individuals and businesses seem to have carried them far and will continue to do so well into the future. In general, Travelers Insurance remains a trusted entity worth getting a quote from.


Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

Get Insurance Quotes Now

Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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