Now’s the Time to Get a Homeowners Insurance Quote
Getting a home insurance quote is quick and easy. Buying home insurance can help protect both your home and your personal belongings. When you’re confident you have the coverage you need, you can focus on those little moments that matter.
Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.
Other Structures Coverage
Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.
Personal Property Coverage
Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.
Loss of Use Coverage
Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is subject to coverage terms and limits.
Personal Liability Coverage
Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing bodily injury or property damage to others.
Special Personal Property Coverage
This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.
Contents Replacement Cost
Personal property replacement cost loss settlement coverage provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.
Additional Replacement Cost Protection Coverage
Additional replacement cost coverage can make available an additional amount to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.
Jewelry and Valuable Items
Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry, silverware and furs.
Personal Articles Floater
A personal articles floater is a separate valuable items policy that is available should you need coverage or higher amounts of coverage for specific valuable items.
Water Backup and Sump Pump Discharge or Overflow
If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help up to a specific dollar amount. This does not include coverage for flood or surface water backup
Identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently.
Green Home Coverage
This green home coverage provides additional protection that can help repair, replace or rebuild with green materials, after a covered loss occurs.
Ways to Save
With Travelers, you can save up to 12% on average on home insurance when you have an auto policy and three other policies with Travelers. These can include umbrella, boat or a personal articles floater.
Home Buyer Discount
Available to customers who have purchased their home within 12 months prior to the policy effective date.
Offered to eligible customers who have not experienced a loss within a specified time period.
Protective Device Discount
You can save by having devices such as:
- Smoke detectors and fire alarms;
- Interior sprinkler systems;
- Home security systems; or
- Smart or connected home technology, which alerts the customer that a fire or burglar event is occurring.
Green Home Discount
You can save up to 5% if your home is already certified 'green home' by the Leadership Energy and Environmental Design (LEED) organization.
Frequently Asked Questions
Explore home insurance questions, from what home insurance covers, to how to get a quote. Get answers to your home insurance FAQs at Travelers.
Through the program, you may have access to exclusive savings on home insurance. These savings are not available to the general public and could save you hundreds of dollars on home insurance.
Homeowners insurance can protect you from the unexpected. If your home is damaged, your belongings are stolen or someone gets injured on your property, it can help cover repairs or replacement, temporary housing, medical bills, legal fees and more.
A homeowners policy is recommended for anyone who owns a home or condo, and may even be required by your mortgage lender. In certain areas, you may need separate policies or coverage to help protect your home and personal belongings against damage due to floods, earthquakes, windstorms or hail.
Most policies have 3 key elements: the premium which is how much you pay for coverage, deductibles which are how much you’re responsible for out-of-pocket in the event of a covered Claim, and limits which are the most your insurer will pay for a covered claim. Home insurance is coverage you hope to never have to use, but if the unexpected happens, it can help you restore your life back to normal.
An insurance representative can help you determine the homeowners coverage that best fits your needs and budget, but a typical policy can cover:
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss or repairs
- Your personal liability or legal fees
- Valuable items (extra coverage can usually be added)
When figuring out how to choose home insurance, consider these key questions:
- What is the estimated cost to replace, rebuild or repair your home—the “replacement cost”?
- What other structures are on your property (e.g. garage, shed, fences)?
- How much of a deductible can you afford to pay out-of-pocket if you have a loss?
- What are your valuables and what are they worth?
- Do you have frequent visitors to your home?
- Do you work out of your home?
- Do you rent any part of your home or property?
- Do you qualify for any discounts?
- What are the basic coverages required by your mortgage lender?
Our licensed insurance representatives are happy to walk you through all of this step by step, and can help you review your needs on an annual basis.
Choosing a homeowners insurance policy starts with choosing the right insurance company.
Travelers has been one of the nation’s leading and largest property casualty companies for over 160 years. We offer a variety of policy options and packages to help you get the coverage that meets your unique needs. We can provide you with information to help protect the place you call home.
We also give you peace of mind with a claims process that is simple and stress free.
Not usually. Homeowners insurance is not generally designed to cover business use of your home. It may include limited protections, such as replacement or repair of computers and other electronic devices, but for more comprehensive coverage, you may require a business owner’s policy.
If you are an employee or member of one of our participating employer, credit union or association groups, you could be eligible for special program discounts. Plus, Travelers offers discounts for multiple policies, security systems or fire protective devices, certain smart home technologies, “green” home certification, loss-free history, and more. Discounts vary by state and eligibility. Your representative can help apply the discounts for which you qualify.
The cost of your insurance, or premium, partly depends on the coverages, deductibles and policy limits you choose. Here are a few tips that may help lower your premium:
- Talk to your insurance representative about your insurance needs and eligibility for discounts
- Invest in smoke detectors, interior sprinkler systems, home security and smart home technologies
- Bundle or purchase multiple policies with Travelers, such as car, boat and umbrella insurance
The “cost to rebuild,” or “replacement cost,” is the estimated amount of money it would take to rebuild or repair your home at the time of a covered loss.
Labor, material and equipment costs specific to your area can all impact the estimated replacement cost. Your insurance representative can help you calculate what this would be for your current or prospective home.
Dwelling coverage (Coverage A) pays to repair or rebuild your home if it is damaged by a covered loss. The amount of dwelling coverage you need is determined not by the market value of your home, but the estimated cost to rebuild it. If you have a mortgage, your lender may even require certain dwelling coverage options, limits and deductibles.
Other structures coverage (Coverage B) covers the structures on your property that are not attached to your home, such as garages, sheds and fences. An insurance representative can help you determine what it would cost to repair or rebuild these structures when choosing your deductibles and policy limits.
Personal property coverage (Coverage C) is required on all homeowners policies. It pays to repair or replace personal items in your home like furniture, clothing or electronics that may be damaged by a covered loss.
Other assets like cash, collectibles, jewelry, furs and silverware may have limited coverage, but additional coverage may be available with a valuable items endorsement or a separate policy. Think about what it would cost to repair or replace your personal belongings and valuable items, and if additional coverage would make sense for you.
Loss of use coverage (Coverage D) helps you pay for temporary housing and living expenses if you and your family have to move out of your home during covered repairs.
Possibly. Updates to your home like adding a room, renovating a kitchen or installing a pool may affect the amount of coverage you need.
Check in with an insurance representative when you’re doing a big project, make a big purchase, or on an annual basis, to help ensure your policy remains adequate and up to date.
Most homeowners policies include liability insurance which can provide coverage for bodily injury and property damage of others for which you or your family member are legally responsible including legal defense costs. It also includes medical payments to guests who are accidentally injured on your property. It does not cover personal injury claims for you or any family members that live with you.
Damage or theft of personal belongings can be covered under personal property coverage of a homeowners policy. This coverage helps protect items like electronics, sporting equipment and furniture up to your policy limits. It also covers your personal items when they are outside of your home, like if your computer got stolen from your car or hotel room.
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Get protection that can give you peace of mind when you're on the road.
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This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.