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Reviews & Ratings

mommabunny’s Full Review of The Travelers Company Home Insurance

Two years ago we moved into our home in Mobile, AL. This is our third home and once again, it was time to shop for homeowner’s insurance. I got quotes from several of the big name carriers, and decided to check with Traveler’s primarily because we had our auto insurance with them.

A big consideration for us was a flat deductible for all losses. It seems that the trend lately is to provide a separate 3% to 5% deductible for Hurricane losses. This could be a big bite if we lost our $175,000 home in a big storm. Being this close to the coast, this is a pretty substantial risk to us.

Travelers offered a flat $500 deductible: a winning point.

We chose to sign with them, and are reaping the 10% discount for having our auto insurance with them as well.

When I read through our new policy, I noticed a provision for loss of frozen food with no deductible. This turned out to be a real boon when we returned from a two week vacation to find that our the breaker had tripped to our huge upright freezer, leaving a mess of rotten meat and seafood. The $500 some odd check didn’t get rid of the mess, but it did allow us to replace the food.

I try to keep up on policy pricing, and so far, Travelers has remained quite competitive, and their customer service has been excellent.

dbhoutx’s Full Review of The Travelers Company Home Insurance

Before I get too far into this review, I want to mention that I have never filed a homeowners claim, so I am focusing on everything but claims experiences. Perhaps someone who has filed a claim will read this review and will be inspired to write about their claim filing experience.

I bought my first home 4.5 years ago, before I was married and a few months after I returned to Houston from Tampa, where I attended graduate school. (Read my review on USF – Tampa.) I was very excited when I was offered a job at St. Luke’s Episcopal Hospital (Home of the Texas Heart Institute) since I really wanted to be back in Houston. I decided to rent an apartment for six months and would find a house during that time. Thus, I knew I had my work cut out when I arrived back home. Fortunately my parents live in Houston so moving and the associated problems were a bit easier to deal with since my parents were willing to help me out!

Three months after returning home, I found my house. Now, it was time to get insurance and do all of the other things associated with buying a home. Since I already had my car insured through GEICO, I made my first call to them and asked if they could provide homeowners coverage. They transferred me to that department. Through my conversation with them, they explained that another company underwrote the insurance and they acted as agents selling the policy.

I got my quote and to my surprise, the price was very reasonable. Of course, I had been covered under a renters policy through them previously so it gave them an idea that I was claims free and a reasonably good risk. Getting the insurance was painless. All I had to do was provide GEICO with information about the Title company so they could coordinate the coverage periods. This was easily accomplished. My house was insured at the time I took possession.

My rate was very reasonable considering I what I was used to paying for renters insurance. I got tons more coverage for only 5 times the cost of my renters policy. In fact, the total exposure went up by a factor of 10 or so. Since the day I purchased the initial homeowners policy, I have increased the coverage 25-30% including adding excess personal property coverage, up to the maximum allowable limits, and have only faced a 15% increase in the policy costs.

Each time I need information about the policy, I make a quick phone call to Travelers representatives and have an answer within a few minutes. Only once did it take longer than a five minute phone call to get the information I needed and that was because the representative needed to talk to an underwriter about what could be done to increase the coverage. Even then, I had an answer within a couple of hours. Most recently, I decided to consolidate all of our insurance and other financial information into a single spreadsheet. I called my representative at Travelers who coordinated obtaining all of the other insurance information about all of my other policies. My home fax was busy that day collecting all of the face sheets from each policy so I could track how much insurance we had and how much it cost us.

In addition to our regular homeowners policy, when I got married, we added a valuable items policy to cover our jewelry. Unfortunately this is a very costly policy. We pay a premium of about 75% as much as our homeowners policy for a very good jewelry policy. Or course it does cover a lot of jewelry and provides for coverage for virtually any loss. I am sure a self inflicted loss would not be covered, but I did not read the policy to be sure. Since it covers our watches and wedding/engagement rings and some other jewelry I have given my wife, I figure we will not loose the items for any reason other than an accident.

So far as a policy holder paying premiums and having not filed a claim, I am a happy policy holder. I hope that should I ever need to file a claim, I will still be as happy! The rates are better than most of the other big insurers and I make sure each year that this is true. Give them a call and get a quote.

kevlog’s Full Review of The Travelers Company Home Insurance

As some of you know, my wife and I woke up 2 weeks ago to find a scene from the Titanic playing itself out in our basement! Stuff floating everywhere, water shooting everywhere, electrocution hazards everywhere (I found out later-after sloshing through the ‘lake’ in my cutoffs about the hazards!) and a general disaster in process! How did this happen, you ask? A simple thing really; the hot water hose leading in to our GE Washing Machine simply wore down and snapped. From now on we’ll be sure to shut off the water after each and every load of laundry we do!! (Do you do this? You might want to consider it!)

So you get the scene here right? Toys, books, games, family heirlooms (Auntie June’s Santa Claus toilet seat cover!! :-O ), some of my precious breweriana…all ruined!! It was a major drag to say the least, but our experience with Traveler’s Insurance turned the whole experience in to a somewhat positive experience. Thanks to a kindly fire Lieutenant who said he’d submit a thorough Fire Report which would help with our insurance claim (“insurance???” I thought to myself!” Oh yeah, homeowner’s insurance!”) we started the process of itemizing our losses. So, for two days I sat in the backyard, surrounded by molding rugs, books, my precious college diaries, etc., making an extensive list for our insurance adjustor. (this, while neighborhood kids kept asking ‘When’s the Yard Sale?’) The adjustor from Traveler’s called us promptly, put us at ease, told us step by step what we needed to do, and even gave us advice on getting the smoke and mold smells out of our basement. Lysol Antibacterial Mountain Scent spray works wonders to kill mold! He told us to include everything, including hours spent cleaning up, garbage bag costs, and he reminded us to keep all receipts from the plumbers, the electricians, the pump rental place, etc., that would come in handy in the coming weeks. We held on to all our bags of damaged items, but Traveler’s never felt it necessary to send anyone out to inspect, since our paperwork, fire report, etc., all supported our claim.

I followed his advice and proceeded to transfer my itemized lists to an Excel Spreadsheet to make his life easier. (He was VERY appreciative and and I believe it sped up the whole claims process) I faxed him all the receipts, the Fire Report, as well as a copy of a complimentary letter I had sent to our agent regarding our adjustor’s excellent, professional service (call me a brown-noser, it’s ok) and within a few days we had our check!

The total our adjustor came up with was exactly 250 dollars above the amount we requested and our deductible was…..drumroll please….250 dollars! Needless to say, we were happy with Traveler’s and feel confident knowing they handle our homeowners insurance. How very appropriate their umbrella symbol was in our case! Our water damage, it should be noted, is different than weather related water damage which is NOT covered by most homeowner’s policies! You need a special FLOOD policy for that sort of protection.

Now, if we could just remember to shut off those hoses after every washing!

Thanks for reading!

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Reviews & Ratings

specialtyq’s Full Review of Travelers Automobile Insurance Group

I am very impressed with Travelers. I recently made the first claim I’ve ever had to make when my car was hit badly (while parked) by another driver without insurance. Travelers took care of absolutely everything, no hassles. I didn’t have to pay any deductible AND they got my a rental car even though I hadn’t elected to pay for rental coverage. All along the way I had a very personable, responsive rep working with me to make sure I had everything I needed as quickly as possible. I know this may sound over the top, but I read so many negative reviews on the internet and I suspect very few happy customers bother to post their experiences. I had been taught to be very distrustful of insurance companies, but Travelers really revealed themselves to be an excellent, responsible insurance company.

Den350’s Full Review of Travelers Automobile Insurance Group

I switched from Allstate to travelers several years ago after completing a rate comparison using the exact coverage data I had on my Allstate auto policy. Travelers nearly halve the premiums I was paying to Allstate. Signing up was a breeze throught Travelers 800 # and hold time was minimal. The customer service rep was understandable, courteious, had good related knowledge to my questions and processed everything accurately the first time around. I have had the good fortune of no accidents in over 10 years now so I cannot comment on claims, but Travelers did come recommended by some close friends who also are customers and filed claims. 

sbflagg’s Full Review of Travelers Automobile Insurance Group

Recently, my truck was in an accident while being test driven by a transmission shop. Their insurance company is Travelers.
So far Travelers has been very friendly, prompt, and professional. Much more so than my own company. The Travelers claim specialist has always been easily available by phone, and has answered all my questions regarding this unusual situation thoroughly.
The day after I contacted Travelers the adjuster contacted me to make an appointment the next day to see the vehicle. He arrived exactly when he said he would, and was very personable. His estimate was filed the next day, enabling me to schedule with a body shop and get a rental car. 
I found this site trying to get pricing on switching to Travelers. It’s truly a good indication of the company when they’re awesome even though they have to pay out. I’d certainly highly recommend Travelers Insurance.

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