INSURANCE CARRIER
Travelers Insurance Review
Travelers is a large national property and casualty insurer, available through Olive Cover. A look at their strengths, appetite, and who they fit best.
Personal Lines
- File a claim 1-800-252-4633 · 24/7 online and phone
- Online Account & claims portal
- After hoursClaims reported online or by phone anytime. 1-800-252-4633.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Travelers is one of the largest property and casualty insurers in the country, founded in 1853. They write homeowners, auto, umbrella, and commercial lines through independent agents across Georgia. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
One of the largest property and casualty insurers in the US, founded in 1853.
Handles commercial property and liability claims through company adjusters and independent contractors.
Broad coverage options including valuable items, identity fraud, and green home rebuild coverage.
Limitations to Know
Where They Fall Short
Independent home insurance satisfaction scores run slightly below industry average, indicating room for improvement in the customer experience side.
Underwriting can be conservative, making it harder to qualify after claims or with older homes.
Homeowners claims customer satisfaction scores have tracked below the industry average in independent industry surveys; underwriting is conservative, and the claim experience can run below the carrier's broader service standards.
Right Fit
Who They Are Best For
Best Fit For
Homeowners with high-value properties, business owners needing commercial lines, clients who want an established national carrier with strong claims handling and broad coverage options.
Not a Good Fit For
Older homes with roofs over 15 years, properties with multiple claims, or manufactured homes. Travelers' underwriting criteria have tightened on older roofs in Georgia, and they are not the right fit for non-standard risks.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Homeowners, Auto, Renters, Umbrella, Flood, Valuable Items
- States Available
- All 50 states
- Personal Lines States
- All 50 states
Pricing & Claims
What to Expect
Best Pricing For
Travelers is competitive across a wide range of Georgia homeowners profiles. Pricing is most competitive on newer construction (post-2010), impact-resistant roofs, and bundled home and auto. One of the most consistently competitive options in North Atlanta markets.
Pricing Context
Travelers prices toward the middle to upper end of the market on homeowners and toward competitive on auto when bundled. They are not a carrier for clients shopping purely on premium. Their pricing reflects conservative underwriting that leads to more stable rates over time compared to carriers that price aggressively to win business and then increase sharply after claims.
Claims Experience
Travelers claims are handled through a network of company adjusters and independent contractors. Response times on straightforward property claims are generally good. Complex commercial claims and large homeowners losses get more thorough review, which can slow the process. Online and app-based claim filing available. Georgia clients report mixed experiences on larger claims, with some delays in settlement on structural losses.
Admitted Status: Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Who is Travelers homeowners best for in Georgia?
Travelers fits North Atlanta homeowners with higher-value homes, clean claims history, and newer or well-maintained roofs.
How is the Travelers claims experience for Georgia homeowners?
Travelers handles claims through multiple reporting channels and a large adjuster network in Georgia.
When does Travelers have the best pricing for Georgia homeowners?
Travelers prices well for newer construction in North Atlanta, Johns Creek, Alpharetta, and Cumming where home values are $400,000 to $700,000.
What makes Travelers Insurance stand out for homeowners?
Travelers is a large national insurer that writes homeowners coverage in Georgia.