Travelers Home Insurance: Everything You Need to Know

Your home is your harbor from the world. It’s the place where you create your family and dream your dreams. It’s also one of the largest investments you’re likely to make. That’s why it’s so important to protect your home and the precious memories it holds with the right home insurance policy, like one from Travelers Home Insurance.

What is Travelers Home Insurance?

Travelers Home Insurance offers reliable insurance products to protect your home from the damage life, nature, and man can do to your home. You get the benefit of the Travelers name and solid reputation as an industry leaders, along with the same great team of agents and insurance products that have made this company a widely respected force in the insurance industry.

Travelers Standard Home Insurance Coverage

A typical home insurance policy through Travelers Insurance covers damage from specific perils, such as fire, hail, lightning, theft, vandalism, and wind storms. Below you will find the types of coverage offered by standards Travelers Home Insurance policies.

Dwelling Coverage. This covers the structure of your home.

Liability Insurance. Provides protection for you, as a homeowner, for injuries that occur on your property or by your property (if a limb from your tree crushed your neighbor’s convertible top, for instance). This protection extends to legal defense costs, as well as judgments made against you – up to your plan’s limits.

Loss of Use Coverage. If your house is uninhabitable after the damaging event, loss of use coverage provides living expenses while repairs are being made.

Other Structures Coverage. Covers damage for structures on your property that are not attached to your home, such as detached garages, sheds, pool houses, fences, etc.

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Personal Property Coverage. Your possessions are the things that make a house a home. Personal property coverage helps you repair these things when possible and replace them when repairs are not an option.

All coverage is up to the covered amount or limit and only for damage done by one of the covered events outlined in your policy.

Exclusions – What’s Not Covered?

Damage from floods and earthquakes are typically not covered by a standard homeowner’s insurance policy. You must purchase separate policies to cover damage from these incidents. In the instance of flood insurance, you must purchase your general flood insurance from the National Flood Insurance Program (NFIP).

Benefits of Travelers Home Insurance

Working with a name as widely respected as Travelers Insurance name has more than it’s fair share of benefits to consider, including the following:

Working with a National Carrier. There is no denying that there is strength in numbers. With more than 12,000 nationwide claims professionals, Travelers can meet your needs when accidents occur, wherever in the country you may be, quickly and efficiently.

Fast and Accurate Response to Claims. Whether it’s storm damage, theft, fire, or other acts of man or nature that have ravaged your home, you need a fast and accurate response when bad things happen, which is exactly what you’ll get when working with Travelers Insurance.

Unparallelled Customer Satisfaction. In addition to already having a high level of customer satisfaction, Travelers is always looking for new ways to improve the claims experience for customers.

Travelers Home Insurance Discounts

If you’re like many people in the market for insurance, though, money may be tight at every turn. In addition to outstanding insurance coverage from an industry leader, you need to look for ways to cut costs whenever possible. Travelers offers discounts for the following:

Multiple Policy Bundles. Bundling more than one policy, such as auto, boat, personal articles, or umbrella insurance with the home policy.

Purchase of the Home. Within 12 months prior to policy’s effective date.

Protective Devices. Includes installing smoke detectors and alarms, home security systems, living in gated communities, sprinkler systems installed inside the home, etc.

Other discounts exist for things like having a green home or going for a specified period of time without filing a claim.

Don’t wait until after disaster strikes to buy your Travelers Home Insurance policy. Fill out the form below or call today to talk to one of our helpful agents to determine what your exact coverage needs are and to come up with a policy designed to meet your needs and your budget.