Homeowners Insurance

Protecting your house, and the things that make it a home

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.

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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 insurance policy?

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

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

What does homeowners insurance cover? 

A Travelers representative can help you determine the homeowners coverage that best fits your needs and budget. A typical policy can cover the structure of your home and other structures on your property, personal belongings, limited valuable items (extra coverage can usually be added), legal fees arising out of your personal liability and loss of use – additional living expenses if you cannot live at your home due to a covered loss. 

Your homeowners insurance policy includes coverages in the categories below to help ensure your home and assets are appropriately protected. Explore these options and more to customize your limits and coverages. 

Dwelling coverage

Dwelling coverage can help you pay to repair or rebuild your home if it is damaged by a covered event. Typically, you will want to have enough dwelling coverage to cover the estimated cost to repair, rebuild and replace your property.

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. These personal items could include your furniture, clothes, sporting goods and electronics.

Personal liability coverage

Liability coverage can help protect you in the event of a claim. If you or a family member in your household is responsible for causing bodily injury or property damage to others, this coverage can provide a defense in the event of a lawsuit.

More about coverage

Ways to save on homeowners insurance

You could save on your home insurance with 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 to consider when you explore homeowners insurance coverage to meet your 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 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 purchase a policy in advance of its effective date, depending on how far in advance you make your purchase.

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