Home Insurance

Travelers Home Insurance

You need homeowners insurance to get financing to buy a home, and Travelers is one of the top writers of homeowners insurance in America. A Travelers policy protects your home, detached structures and personal belongings, such as furniture, appliances and clothing. It also pays for living expenses when your home is rendered unlivable due to damage and protects against personal liability if someone is injured or has property damaged while in your home.

In addition to a standard homeowners policy, Travelers offers a variety of optional coverage for additional peace of mind. Contents replacement covers the full replacement cost for personal belongings, and additional replacement cost protection ensures your home is rebuilt to original condition if the standard coverage amount is too low.

Personal injury coverage protects you against damages from libel or slander; identity theft protection helps you restore your good name and utilize an identity fraud specialist if your identity is stolen; and a “valuable items plus endorsement” offers broad coverage for jewelry, artwork, cameras, computers and other valuable belongings. You also can choose a personal articles “floater” offering additional coverage above the amounts set in the valuable items plus option.

An optional umbrella policy gives you between $1 million and $5 million in liability protection; flood coverage provides protection normally not included in homeowners policies; and you can insure your small watercraft with a pleasure boat insurance policy option. Condominium owners and house and apartment renters also can take advantage of the same protections Travelers offers homeowners but tailored to fit your specific needs.

Travelers backs its homeowners policies with around-the-clock claims service every day of the year and an after-hours emergency-response team that can be at your home within hours of reporting a loss. Discounts are offered for new or renovated homes, having multiple policies, remaining claims-free and installing smoke detectors, fire extinguishers, dead bolts and security systems.