Travelers Homeowners Insurance
Travelers
4.4
Avg ~$2,003/yr. Best for high-value homes. Guaranteed replacement cost. A++ AM Best.
Editorial score
4.4 / 5
Product type
home insurance
Our take
Travelers is a top choice for high-value and older homes, offering guaranteed replacement cost coverage that pays to rebuild even if costs exceed your policy limit. A++ AM Best (Superior) financial strength — the highest possible rating.
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Full details
| best for | Owners of high-value or older homes who need guaranteed rebuild coverage |
| specialty | High-value & historical homes |
| am best rating | A++ |
| jd power score | 794 |
| headline metric | From ~$167/mo |
| home value tier | high |
| secondary metric | Guaranteed replacement cost |
| states available | All 50 states |
| bundling discount | up to 15% |
| avg annual premium | 2003 |
| avg monthly premium | 167 |
| discount highlights | Multi-policy, green home, claims-free, protective devices, smart home |
Frequently asked questions
What should I compare besides premium for Travelers Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Travelers Homeowners Insurance right for me?
Travelers is a top choice for high-value and older homes, offering guaranteed replacement cost coverage that pays to rebuild even if costs exceed your policy limit. A++ AM Best (Superior) financial strength — the highest possible rating.
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Verified Apr 2026
Travelers Homeowners Insurance