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Whether you're starting out, settling down, or retired, protecting what's important—that's what matters most. Our guide describes factors that can influence your insurance decisions, offers some coverages to consider, and leaves you with key questions to ask so you can find what's right for you.
Starting Out
No dorms, no living at home—just you
on your own.
New Home From first time buyers to vacation homes.
Getting Married Going from just "me" to "us".
New Additions Growing family, growing house, growing needs.
Empty Nest Lots of space with the kids away at school.
Retired You've earned the right to sit back. Enjoy.
Just Livin' No big changes. Life's good, just as it should be.
Buying a home means more assets to protect and more liability exposure. Homeowners insurance can help cover your personal belongings, the physical structure of your house, and offer liability coverage in the event of a lawsuit.
When two people come together, they combine their lives and often their assets. As you and your spouse evaluate your insurance options, keep in mind that discounts may be available for consolidating all your policies with one company.
As your family grows and changes, so can the things you need to protect. An addition to your home, new car, or just the extra stuff that growing families tend to accumulate. All these changes could mean changes in your coverage too.
Being on your own can be exciting and scary all at once. You're focused on protecting yourself and the things you have. And finding the right coverage to fit your budget and needs doesn't have to be daunting. Many insurers offer payment plans or automated withdrawals to help individuals just like you start off on the right foot with their finances.
Even kids away at school may still need the coverage your policies provide. Additionally, they might qualify for special student related discounts that could help you save on insurance.
You've worked hard to get here and may not need the same coverage you did during your working days. Now is the time to evaluate what's changed along the way. To make sure you've got insurance that still meets your everyday needs.
Even when life doesn't seem to be changing, your insurance needs can. An annual review of your insurance policies can help make sure your coverages are up-to-date. Learn some of the factors to weigh, and questions to ask when reviewing your current coverages.
Now is a good time to review some of the factors that can influence your insurance decisions.
Congratulations. Now that you've thought about your insurance needs, here are some next steps.
There's a lot to think about when it comes to Auto insurance. Limits, deductibles, mandatory versus optional coverages—just to name a few. Listed below are some key components of an Auto policy. Speak to a Travelers licensed insurance specialist or Independent Agent to understand how these fit into your Auto insurance coverage.
Generally covers Bodily Injury to other people, if you're found responsible for an accident. You should consider a policy that covers you up to:
Generally pays for damages to another person's property (e.g. their car) when you are responsible for an accident.
People often purchase the same limits for Uninsured/ Underinsured coverage as Bodily Injury liability. Uninsured/Underinsured Motorist coverages can cover your damages and injuries if another driver is responsible for an accident, but has inadequate or no Auto insurance. This coverage varies widely by state.
Physical Damage coverage consists of two separate coverages: Comprehensive and Collision. These coverages generally pay for damage to your vehicle as a result of things like, collision, theft, hail or vandalism. A deductible applies.
Talk to your Travelers licensed insurance specialist or Independent Agent
Talk to your Travelers licensed insurance specialist or Independent Agent
Jewelry, collectibles, boats–you may find that your Auto and Home coverage just isn't enough. Ask your Travelers licensed insurance specialist or Independent Agent if you should consider additional liability coverage, coverage for valuable items or specialized policies for other powersport vehicles.
Thanks for using the Guide to Better Coverage. Please contact one of our insurance specialists or an Independent Agent for personalized assistance in evaluating your insurance needs.
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Travelers Licensed Insurance Specialist
Multi-policy discounts can help you save!
Here are additional discounts you may be eligible for:
Guide to Better Coverage ("GTBC") is intended to provide you with general information about property casualty insurance and to help you understand certain factors you may want to consider when purchasing coverage. It is not intended to advise you of coverages, limits or deductibles for your specific situation. The information presented is not a recommendation. GTBC does not display all options available to you. You should review and consider all your options when purchasing insurance. Coverages, limits, discounts and deductibles presented in this tool vary by state and are subject to availability and individual eligibility. Any coverage description on this site is general and necessarily simplified. Actual coverage is subject to the terms, limits and conditions of your particular policies.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183.
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