Travelers Insurance is a property and casualty insurer that sells auto, homeowners, renters, umbrella, and a broad slate of specialty and commercial policies. What Travelers Insurance covers depends on the specific policy you buy: each one pays for certain losses up to the limits spelled out in your policy, minus your deductible. Founded in 1853 and headquartered in New York City, Travelers is one of the largest property and casualty insurers in the country and holds an A++ (Superior) financial strength rating from AM Best, the highest available.
The Company Behind the Policy
Travelers has operated for more than 170 years and consistently ranks among the top property and casualty insurers by premium volume. It writes policies for individuals and businesses through independent agents and through its own website, though online quotes are not available for risks in Alaska, Florida, Hawaii, or Louisiana.1Travelers Insurance. Insurance Coverage and Protection for What Matters Most
Financial strength matters because it reflects an insurer’s ability to pay claims. AM Best affirmed Travelers’ Financial Strength Rating at A++ (Superior) with a stable outlook in August 2025, along with a Long-Term Issuer Credit Rating of “aa+” (Superior).2AM Best. Affirms Credit Ratings of The Travelers Companies, Inc. and Main Subsidiaries That rating signals very strong balance-sheet strength and operating performance.
Personal Insurance Products
Travelers offers a wide range of individual coverage lines: auto, homeowners, condo, renters, umbrella, flood, boat and yacht, motorcycle, RV, classic car, pet, travel, wedding and event, landlord, and valuable items insurance.3Travelers Insurance. Insurance for Individuals Most people encounter the same three products: auto, homeowners, and renters.
Auto Insurance
A Travelers auto policy can include liability coverage for bodily injury and property damage you cause to others, collision coverage for damage to your own car from hitting another vehicle or object, and comprehensive coverage for theft, vandalism, weather, and animal strikes. You can also add uninsured and underinsured motorist protection, personal injury protection, medical payments, and loan or lease gap coverage.4Travelers Insurance. Types of Car Insurance Coverage Every state requires at least some minimum liability coverage, and lenders typically require collision and comprehensive if you finance or lease the vehicle.
Homeowners Insurance
A standard Travelers homeowners policy (HO-3) generally covers four things. Dwelling coverage pays to repair or rebuild your home after a covered event. Personal property coverage pays for belongings like furniture and electronics. Personal liability coverage responds if someone is injured on your property or you cause damage to someone else. Loss-of-use coverage pays additional living expenses if you have to move out temporarily during repairs.5Travelers Insurance. What Does Homeowners Insurance Cover Flood damage and earthquake damage are typically excluded and require separate policies or endorsements.
Renters Insurance
Renters insurance from Travelers protects your personal property against losses from fire, theft, vandalism, and other covered events, including when your belongings are away from home. Policies include at least $100,000 in personal liability coverage and $1,000 per person in medical payments coverage for guests injured at your place. You can also apply up to 10% of your personal property limit toward improvements you have made to the rental unit.6Travelers Insurance. What Does Renters Insurance Cover
Umbrella Insurance
A personal umbrella policy kicks in after you exhaust the liability limits on your auto or homeowners policy. Travelers offers umbrella coverage ranging from $1 million up to $10 million.7Travelers Insurance. Do I Need Umbrella Insurance To qualify, you generally need certain minimum liability limits on your underlying policies. Travelers’ standard requirement is $300,000 per occurrence on your homeowners liability and $500,000 per occurrence on your auto liability, though lower optional thresholds may be available.
Commercial Insurance Products
Travelers is one of the largest commercial insurers in the country, covering everyone from sole proprietors to large enterprises. Its commercial lines include general liability, commercial property, commercial auto and trucking, workers’ compensation, cyber liability, management and professional liability, and surety bonds.8Travelers Insurance. Business and Commercial Insurance Policy Quotes
Small businesses can often simplify things with a business owner’s policy (BOP), which bundles general liability, commercial property, and business income and extra expense coverage into a single policy.8Travelers Insurance. Business and Commercial Insurance Policy Quotes Higher-risk industries like construction or manufacturing may need to show safety protocols, regulatory compliance records, and financial statements before Travelers will underwrite the risk.
What Standard Policies Don’t Cover
Standard policies cover common risks but leave gaps. Riders (also called endorsements) let you modify your policy to fill those gaps for a modest addition to your premium.
Common homeowners endorsements include scheduled personal property coverage for high-value items like jewelry, art, or collectibles, which are subject to low sub-limits under a standard policy. Water backup coverage pays for damage caused by sewer or drain backups and sump pump overflows, but it specifically does not cover flooding or surface water, so homeowners in flood-prone areas still need a separate flood policy.9Travelers Insurance. Sump Pump Maintenance for Your Home
Auto policyholders commonly add rental car reimbursement coverage and gap insurance. Read your policy’s exclusions section first. That is where the coverage stops, and it tells you which endorsements are worth the extra premium.
How Premiums and Deductibles Work
Your premium is what you pay for the policy, usually every six months for auto and annually for homeowners. Your deductible is what you pay out of pocket before Travelers covers the rest of a claim. The two numbers move against each other: choosing a higher deductible lowers your premium because you are absorbing more of the upfront risk yourself.
Premiums vary based on factors specific to the coverage type. Auto premiums reflect your driving record, vehicle type, mileage, and location. Homeowners premiums depend on the home’s age, condition, construction materials, location, and local risk factors like severe weather or wildfire exposure. Credit history can influence pricing in states that allow it. Coverage limits, the maximum Travelers will pay for a covered loss, also affect price directly. Higher limits mean higher premiums and less financial exposure if something goes wrong.
Discounts and Ways to Save
Travelers offers a range of discounts that can meaningfully reduce what you pay. The easiest to grab is the multi-policy discount: bundle your home and auto policies with Travelers and you’ll pay less for both.10Travelers Insurance. Insurance Bundles
Notable auto discounts include:
- Safe driver, for households with no accidents, violations, or major comprehensive claims in the past three to five years. Not available in California or New York.11Travelers Insurance. Car Insurance Discounts
- IntelliDrive, a telematics program that tracks your driving through a mobile app. Safe drivers can save up to 30% at renewal in most states, with some states offering up to 40%. New customers can receive up to 10% just for enrolling.12Travelers Insurance. IntelliDrive
Homeowners discounts include:
- Homebuyer, if you purchased your home within 12 months before the policy effective date.
- Protective device, for smoke detectors, interior sprinklers, security systems, or connected smart home technology.
- Loss-free, for customers who have not had a claim within a specified period.
- Green home, up to 5% off if your home holds LEED certification.13Travelers Insurance. Home Insurance Discounts and Savings
How to File a Claim
You can file a claim with Travelers online, through their mobile app, or by phone.14Travelers Insurance. File a Claim Report the incident as soon as possible, ideally within a day or two, and have the basics ready: what happened, when and where, and any documentation like photos, police reports, or repair estimates.
After you file, Travelers assigns a claims adjuster who evaluates the damage, confirms what your policy covers, and estimates costs. Cooperate fully with the adjuster and keep records of every communication. Know your deductible amount and coverage limits going in so the settlement offer doesn’t catch you off guard.
Hidden damage surfaces regularly on property claims. If your contractor discovers damage that wasn’t visible during the initial inspection, contact your Travelers claim professional immediately. The company will work with you to evaluate the additional damage and may issue a supplemental payment. Additional payments can also apply to recoverable depreciation once repairs are complete.15Travelers Insurance. Property Claim Next Steps Don’t wait until the job is finished to raise the issue, because delays make supplemental costs harder to approve.
If a Claim Is Denied or Underpaid
Denials and low settlement offers are the most common reasons policyholders end up in a dispute with any insurer. Start by asking the adjuster for a detailed written explanation. Sometimes the issue is missing documentation or a misunderstanding about what the policy covers, and a phone call and some paperwork resolve it.
If informal conversations don’t work, you can submit a formal internal appeal in writing with supporting documentation. You can also file a complaint with your state’s department of insurance, which investigates consumer complaints against insurers. The NAIC maintains a consumer resources page that points you to the right state office.16National Association of Insurance Commissioners. How to File a Complaint and Research Complaints Against Insurance Carriers Many insurance policies also include arbitration clauses that require disputes to go through arbitration rather than court, and litigation remains an option for larger disputes where the insurer may have acted in bad faith.
On large, complex property claims, a public adjuster can evaluate damage and negotiate with the insurer on your behalf. Public adjusters are licensed and typically charge a percentage of the settlement. Many states cap those fees, often around 10%, with lower caps during declared emergencies. That option makes the most sense when the gap between what you’re offered and what the damage actually costs is large enough to justify the fee.