Home insurance is crucial to protect your most valuable asset – your home. Among the various home insurance providers, Travelers Insurance is a company that offers a range of coverage options for homeowners. In this article, we will explore the Travelers home insurance policy and review its features, pros, and cons.
What is Travelers Home Insurance?
Travelers Insurance is a well-known name in the insurance industry, with over 165 years of experience. The company offers a wide range of insurance products, including home, auto, renters, and business insurance. Travelers home insurance policies cover the structure of your home, personal belongings, and liability protection.
What does Travelers Home Insurance Cover?
Travelers home insurance policies cover the following:
Coverage Types |
Description |
Dwelling Coverage |
Covers the cost to repair or rebuild your home in the event of damage or destruction from a covered peril. |
Personal Property Coverage |
Covers your personal belongings such as furniture, appliances, and clothing if they are damaged or destroyed by a covered peril. |
Liability Coverage |
Covers legal defense fees and damages if you or a family member is responsible for bodily injury or property damage to someone else. |
Guest Medical Protection |
Covers medical expenses if a guest is injured on your property. |
Additional Living Expenses Coverage |
Pays for additional costs of living away from home if your house is uninhabitable due to a covered peril. |
What Perils are Covered by Travelers Home Insurance?
Travelers home insurance policies cover the following perils:
| Perils Covered |
| Fire or lightning |
| Windstorm or hail |
| Explosion |
| Smoke |
| Vandalism or malicious mischief |
| Theft |
| Falling objects |
| Weight of ice or snow |
| Accidental discharge or overflow of water or steam |
| Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system |
| Freezing of plumbing, heating, air conditioning, or domestic appliances |
| Sudden and accidental damage from artificially generated electrical current |
What Perils are Not Covered by Travelers Home Insurance?
Travelers home insurance policies do not cover the following perils:
| Perils Not Covered |
| Flood or water damage from outside the home |
| Earthquake or earth movement |
| Nuclear hazards |
| War or military action |
| Intentional acts by the insured or family member |
| Damage from insects, rodents, or animals |
Pros of Travelers Home Insurance
Customizable Coverage Options
Travelers Insurance offers a range of customizable coverage options to fit your specific needs. You can choose the amount of dwelling coverage, personal property coverage, and liability coverage that you need.
Discounts
Travelers Insurance offers various discounts, including a multi-policy discount, protective device discount, and green home discount. You can save up to 15% on your premium by bundling your home and auto insurance policies with Travelers. You can also save up to 5% on your premium by installing qualifying protective devices such as smoke detectors and burglar alarms.
24/7 Claims Service
Travelers Insurance offers a 24/7 claims service to handle your claims quickly and efficiently. You can file a claim online or through the mobile app, and a claims representative will contact you within one business day.
Cons of Travelers Home Insurance
Higher Premiums
Travelers Insurance premiums tend to be higher than other insurance providers. However, the company offers a range of discounts that can help lower your premium.
Not Available in All States
Travelers Insurance is not available in all states. Before purchasing a policy, make sure that Travelers Insurance is available in your area.
FAQ
1. How Do I File a Claim?
You can file a claim online, by phone, or through the mobile app. To file a claim online, log in to your account, select the policy you want to file a claim for, and follow the prompts. To file a claim by phone, call the claims center at 1-800-252-4633, and a representative will assist you. To file a claim through the mobile app, open the app, select the policy you want to file a claim for, and follow the prompts.
2. How Can I Lower My Premium?
You can lower your Travelers Insurance premium by bundling your home and auto insurance policies, installing protective devices such as smoke detectors and burglar alarms, and choosing a higher deductible.
3. What is a Deductible?
A deductible is the amount that you have to pay out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and your claim is for $5,000, you would have to pay $1,000, and your insurance would cover the remaining $4,000.
4. Does Travelers Insurance Cover Flood Damage?
No, Travelers Insurance policies do not cover flood damage. You will need to purchase a separate flood insurance policy to protect your home against flood damage.
5. How Can I Contact Travelers Insurance?
You can contact Travelers Insurance by phone at 1-888-695-4625, through the mobile app, or by visiting their website at www.travelers.com.
In conclusion, Travelers Insurance offers a comprehensive home insurance policy with a range of coverage options and discounts. However, the premiums tend to be higher than other insurance providers, and the coverage is not available in all states. Before purchasing a policy, it is essential to compare the coverage and rates with other insurance providers to find the best fit for your needs.
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