Travelers Insurance Review 2026Drivers and homeowners who prefer buying through a local independent agent and bundling multiple policies
The Travelers Companies, Inc. is one of the largest property-casualty insurers in the United States, writing personal auto and home coverage alongside a substantial commercial insurance business. It is headquartered in New York City with major operations in Hartford, Connecticut, and distributes its personal lines largely through independent agents and brokers. Travelers is a publicly traded company and a component of the Dow Jones Industrial Average.
Travelers at a Glance
Founded
1853
Headquarters
New York, NY
AM Best (financial strength)
A++
J.D. Power (satisfaction, approx.)
812
NAIC complaints vs. expected
Fewer than expected
Coverage & Products
- ✓Auto insurance
- ✓Homeowners insurance
- ✓Renters insurance
- ✓Condo insurance
- ✓Umbrella insurance
- ✓Landlord / rental property insurance
- ✓Boat and yacht insurance
- ✓Valuable items / jewelry coverage
Discounts
Pros
- +Broad independent-agent network offers in-person guidance and policy tailoring
- +Wide range of bundling options across auto, home, and umbrella coverage
- +Deep menu of optional add-ons and endorsements for personalizing a policy
- +Long-established, nationally available insurer with a diversified business
Cons
- −Agent-focused model means fully online self-service can be more limited than direct writers
- −Premiums may run higher than budget-oriented direct-to-consumer carriers
- −Discount availability, pricing, and coverage options vary significantly by state
- −Telematics-based savings require sharing driving data through the IntelliDrive program
Travelers — Frequently Asked Questions
Is Travelers a financially strong insurance company?
+
Travelers carries an A.M. Best financial-strength rating of A++. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Travelers's complaint record?
+
In NerdWallet's analysis of 2022-2024 NAIC complaint data, Travelers drew fewer complaints than expected for a company of its size. That is a qualitative band, not an exact index: the NAIC tracks complaints per legal entity, line of business, and year, so results vary by subsidiary and state. Look up the specific company on the NAIC Consumer Insurance Search (content.naic.org) before you buy.
How do I get a quote or contact Travelers?
+
You can request a quote or reach Travelers at travelers.com or by phone at 800-252-4633. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Compare Auto & Home Insurance
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
Get Insurance Rate Alerts
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
- ✓State-specific rate change alerts
- ✓Seasonal enrollment deadline reminders
- ✓Expert tips to lower your premiums
- ✓New coverage options in your state
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.