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Protecting your house, and what makes it a home
Protecting your house, and what makes it a home
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Homeowners Insurance

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Now’s the Time to Get a Home Insurance Quote

Home. It’s your safe haven. It’s where you raise your family and create memories that last a lifetime. Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

When you’re confident you have the coverage you need to help protect your home and personal belongings, you can focus on those little moments that matter. Getting a home insurance quote today is quick and easy.

What is Home Insurance?

Homeowners insurance can help 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, legal fees and more.

Why Do I Need a Homeowners Policy?

A homeowners policy is recommended for anyone who owns a home or condo and may even be required by your mortgage lender. You will need separate coverage to help protect your home and personal belongings against damage due to floods or earthquakes.

If the unexpected happens, home insurance can help you restore your life back to normal.

[SPEAKER] >> Home insurance, why do you need it? Your home is most likely your biggest investment. Your homeowners insurance can provide financial protection in a number of ways such as - if your home or personal property are damaged, if you or a family member are held legally responsible for injuries to others or damage to their property. Most home policies include the following coverages: Dwelling coverage, to repair your home if it's damaged by a covered cause of loss such as a fire. Personal property coverage, to reimburse you for damaged or destroyed contents in your home like clothing, furniture and electronics. Other structures coverage for damages to detached structures like garages and fences. Loss of use coverage to pay for housing and living expenses if you have to move out of your home while it's being repaired as a result of a covered loss. And liability coverage in case you are responsible for causing injuries to other people or causing damage to their property. For more answers go to Travelers.com.

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What Does Homeowners Insurance Cover?

A Travelers 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
  • Your personal liability or legal fees
  • Limited valuable items (extra coverage can usually be added)

Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.

Dwelling Coverage

Dwelling coverage can help pay to repair or rebuild your house if it’s damaged by a covered cause of loss. Some examples of the types of risks that may be covered include:

  • House fires
  • Severe weather
  • Damage from plumbing or appliance leaks
  • Vandalism/theft

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
  • Electronics

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 family member in your household is responsible for causing bodily injury or property damage to others.

Learn more about Travelers homeowners insurance coverages

Ways to Save on Homeowners Insurance

You could save on your home insurance with a multi-policy and loss-free discounts. You may also save if your home is equipped with qualified smart home technology, security and fire protective devices. There are several insurance discounts you can consider when you explore homeowners insurance coverage to meet your individual needs. Consider the following opportunities for saving on your home insurance.

Multi-Policy Discount

With Travelers, when you have three policies with us, you can save up to 12% on home insurance. These can include auto, umbrella, boat, or a personal articles floater.

Protective Device Discount

You can save by having devices such as:

  • Automatic water shut-off systems
  • Smoke detectors and fire alarms
  • Interior sprinkler systems
  • Home security systems
  • Smart or connected home technology that alerts you when a fire, water or burglar event is occurring

Early Quote Discount

You can save up to 10% when you shop early for your policy, depending on how far in advance you shop.

Learn more about Travelers homeowners insurance discounts

How to Get A Homeowners Insurance Quote

To get an accurate homeowners quote from Travelers, you’ll need a few pieces of information, including:

  • Your home’s features. We’ll ask for details such as when were your roof and utilities last updated, and what type of construction your home is.
  • The way you use the home. We’ll need to know if it is your primary home, or a secondary or rental home.
  • Your current homeowners insurance coverage. We’ll get a better insight into your insurance needs when you share your current provider information and how long you’ve been insured.

These details will help us find the homeowners insurance policy that best fits your needs.

Homeowners Insurance Questions: Get Your Answers Here

Find the answers to many of your common homeowners insurance questions, including how to protect valuable items.

Policy Basics Homeowners Questions

Premium & Discounts Homeowners Questions

Coverage & Limits Homeowners Questions

OpenHouse - Your Free Home History Report [Tool]

Better understand the history of major work and renovation for the home you plan to buy. OpenHouse helps you go beyond the paint and staging.

Learn more

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Valuable Items

Jewelry & Valuable Items

From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.

Umbrella Insurance

Umbrella Insurance

This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.

Boat or Yacht Insurance

Boat and Yacht Insurance

Knowing that you, your passengers and your vessel are protected can help you relax and enjoy your time on the water.

If You Bundle Your Policies, You Could Save Up to 15% on Your Home Insurance. See how

Prepare & Prevent

Common Signs of Plumbing Problems [Video]

Water damage due to a plumbing problem in your home can be life-changing. But there are some common signs that homeowners can look for, and steps they can take, to help avoid a major water issue at home.

A for sale sign in front of a house

Pros and Cons of Selling a House During COVID-19

Though technology can ease many of the challenges associated with working from home, it can't always help you stay productive. If you're finding it hard to stay on top of your tasks or meet your deadlines while working from home, these 10 tips can help.

woman working from home, 10 tips to stay productive when working from home

10 Tips for Staying Productive When Working From Home

Though technology can ease many of the challenges associated with working from home, it can't always help you stay productive. If you're finding it hard to stay on top of your tasks or meet your deadlines while working from home, these 10 tips can help.

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

Amazon, Echo, Alexa and all related logos are trademarks of Amazon.com, Inc. or its affiliates. All Amazon trademarks and copyrights are property of Amazon.com or its affiliates.

Coverage, discounts and other features are subject to individual eligibility and to availability.

Travelers, the Umbrella logo and all other Travelers marks are trademarks of The Travelers Indemnity Company and its affiliated companies.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles. 

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT. In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545, State of Domicile: Connecticut. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183. 

110% savings on auto insurance when you buy a Travelers home insurance policy.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.