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What to Know
Travelers sells a standard homeowners policy with six core coverages and a long list of add-ons. It isn't sold in Alaska, Florida, Hawaii, Louisiana, Michigan, New Jersey, New York, Rhode Island, West Virginia, or Washington, D.C.
Travelers offers flood coverage through its partner Neptune Flood, but that's a separate product with its own price. Earthquakes aren't covered.
Backed-up sewers and drains are excluded unless you add water backup coverage, an optional add-on that pays when water comes up through a drain instead of falling from the sky or bursting from a pipe. Damage from wear and tear and lack of maintenance is also excluded.
Travelers
Best for Eco-Friendly Homes- Discounts
- 5
- Online Quotes
- Online Policy Purchase
Why We Like Travelers
Travelers is our pick for eco-friendly homes because it pairs a Green Home Discount for LEED-certified homes with a green home coverage add-on. It also lets you build a policy around what you own, with extended replacement cost, contents replacement cost and jewelry and valuables coverage. You can file claims online.
Pros and Cons
Pros
- Green home discount
- Online claim filing
Cons
- Not sold in 9 states plus D.C.
- No earthquake coverage option
Solvable's Take on Travelers Homeowners Insurance
Travelers suits homeowners who know what they need on their policy. If you own a LEED-certified home or are upgrading your home with eco-friendly improvements, it's a good match. It also suits people who want specific protection on top of the standard policy.
For a finished basement, that's water backup coverage. For an engagement ring, it's jewelry and valuables coverage. For identity fraud protection, an add-on reimburses related costs. Bundling with another Travelers policy qualifies you for the Multi-policy Discount.
The Homebuyer Discount applies only to homes purchased within the past 12 months. Say you closed on your house in March 2026. You'd need a Travelers policy in place before April 2027 to qualify. After that, the discount no longer applies.
Online policy purchase isn't available, so you'll have to speak with an agent to finalize your policy. Consider using that conversation to ask which exclusions apply to your home and which add-ons are on the quote.
Location is another hard limit for some homeowners, as people in highly populated states like Florida and New York will need another carrier.
Travelers Homeowners Insurance Discounts
Discounts depend on your state and eligibility, so a listed discount won't automatically show up on your quote. Ask which of these discounts Travelers applied to your quote and which ones you might still qualify for:
- Homebuyer Discount (home purchased within the past 12 months)
- Multi-policy Discount
- Protective Device Discount
- Loss-Free Discount
- Green Home Discount (LEED-certified homes)
Travelers Homeowners Insurance Coverage
Dwelling
Dwelling coverage pays to repair or rebuild the house itself after a covered loss, such as a fire. Travelers offers extended replacement cost as an add-on if you want extra room above your dwelling limit.
Other structures
Other structures coverage pays for detached structures on your property, such as fences, sheds and detached garages.
Personal property
Personal property coverage pays for your belongings, from furniture to clothing, after a covered loss. Contents replacement cost coverage is an optional upgrade, so check whether your quote includes it.
Loss of use
Loss of use coverage pays extra living costs, such as a hotel or a short-term rental, if a covered loss leaves your home uninhabitable during repairs.
Personal liability
Personal liability coverage pays if you're legally responsible for someone else's injury or for damage to their property, including legal costs.
Medical payments
Medical payments coverage pays medical bills for a guest who's hurt on your property, regardless of fault.
Frequently Asked Questions
Is Travelers good insurance for homeowners?
Travelers is worth considering if you live in one of the 41 states where it sells home insurance, especially if you want add-ons like water backup or green home coverage. It's our pick for eco-friendly homes, largely because of the Green Home Discount and green home coverage option.
Does Travelers homeowners insurance cover flooding?
Flooding is excluded from Travelers' standard homeowners policy, as it is from most base policies across the industry. Travelers offers flood coverage through its partner, Neptune Flood, which is a separate product you'd buy on top of your home policy.
Can I buy Travelers insurance online?
You can start a home insurance quote online, and you can file a claim online once you're a policyholder. You can't buy the policy itself online.
Which states don't have Travelers homeowners insurance?
Travelers doesn't sell homeowners insurance in Alaska, Florida, Hawaii, Louisiana, Michigan, New Jersey, New York, Rhode Island, West Virginia, or Washington, D.C.
Does Travelers cover water from a backed-up drain?
Backed-up sewers and drains are excluded from the standard Travelers policy unless you add water backup coverage, which is an optional add-on. If you have a finished basement or have dealt with drain backup before, ask about this rider specifically when you get a quote, since it won't show up unless you request it.
