Travelers Home and Marine Insurance Company
Travelers Review 2026
Competitive premiums for mature, low-claim homeowners — excellent for auto + home bundlers.
Who Travelers is best for
Homeowners 40+ with newer or renovated homes who want to bundle with auto and maximize multi-policy discounts.
At a glance
- Avg annual premium
- ~$1,850
- AM Best rating
- A++
- Bundle discount
- Up to 15%
- NAIC complaint ratio
- Below average
National estimate; competitive for newer homes and lower-risk profiles
Highest Superior financial strength
Auto + home multi-policy savings
Consistent low-complaint track record
Pros
- +A++ financial strength — among the most financially secure carriers in the market
- +Green home discount — additional savings for certified green/LEED construction
- +New or recently renovated homes qualify for preferred pricing
- +IntelliDrive auto + home bundle available for additional combined savings
Cons
- −Premiums less competitive for older homes (pre-1990) with original systems (roof, electrical, plumbing)
- −Less available in coastal CAT-exposed markets
- −Claims process is standard for the industry but not standout relative to USAA or Erie
Travelers requirements
- Homeowners in most US states
- Best pricing for newer, lower-risk homes
Travelers alternatives
Top alternatives worth comparing from Cheapest Home Insurance Companies 2026.
Erie Indemnity Company
Erie Insurance
Homeowners in Erie's operating footprint (12 states + DC) who want the best combination of low premium and quality claims handling.
Auto-Owners Insurance Company
Auto-Owners Insurance
Homeowners in Auto-Owners' operating territory who want to bundle home and auto with one agent.
State Farm Fire and Casualty Company
State Farm
Homeowners who want a national carrier with local agent access and competitive bundle discounts.
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Apply at Travelers Home and Marine Insurance Company→Last verified at the issuer on 2026-08-05
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Read the full guide →Bottom line
Travelers scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Homeowners 40+ with newer or renovated homes who want to bundle with auto and maximize multi-policy discounts.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Travelers
Who is Travelers home insurance best for?+
Travelers is positioned for homeowners 40+ with newer or recently renovated homes who want to bundle with auto and maximize multi-policy discounts. Its preferred pricing favors lower-risk profiles.
How much does Travelers home insurance cost?+
The estimated average annual premium is around $1,850 (a national estimate), which tends to be competitive for newer homes and lower-risk profiles. Your actual premium varies by home age, location, coverage, and claims history — confirm a quote with Travelers.
How financially strong is Travelers?+
Travelers carries an A++ AM Best rating, the highest Superior financial strength tier, placing it among the most financially secure carriers in the market for paying claims.
Can I save by bundling auto and home with Travelers?+
Yes. Travelers offers up to a 15% multi-policy discount for combining auto and home, and an IntelliDrive auto + home bundle is available for additional combined savings.
Is Travelers a good fit for an older home?+
Premiums tend to be less competitive for older homes built before 1990 with original roof, electrical, or plumbing systems, and availability is more limited in coastal CAT-exposed markets. Newer or renovated homes qualify for preferred pricing.
Is ClearValue Lending a licensed insurance broker?+
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information about Travelers homeowners insurance. Coverage terms, pricing, and availability vary by state and individual underwriting factors — obtain official quotes and policy details directly from Travelers or a licensed insurance professional at travelers.com.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.