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INSURANCE CARRIER

Travelers Insurance Review

Travelers is one of the most financially stable carriers we work with. An honest look at their ratings, strengths, weaknesses, and who they are best suited for.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A++ Superior

JD Power Personal

Lower tier among large home insurers in 2025. Below industry average for auto claims in the Southeast.

JD Power Commercial

NAIC Complaint Index

Tracks below the industry average across most lines.

Travelers is one of the largest property and casualty insurers in the country, founded in 1853 and rated A++ Superior by AM Best. They write homeowners, auto, umbrella, and commercial lines through independent agents across Georgia. Travelers is a core carrier for higher-value North Atlanta homes, bundled home and auto, and commercial accounts.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

AM Best A++ rating, the highest possible. One of the most financially secure carriers in the US.

Strength 2

Strong claims handling reputation, particularly for commercial property and liability claims.

Strength 3

Broad coverage options including valuable items, identity fraud, and green home rebuild coverage.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

J.D. Power home satisfaction scores run slightly below industry average, indicating room for improvement in the customer experience side.

Weakness 2

Underwriting can be conservative, making it harder to qualify after claims or with older homes.

Weakness 3

Homeowners claims customer satisfaction scores have tracked below the industry average in J.D. Power studies; underwriting is strong but the claim experience does not always match the carrier's financial quality.

Best Fit For

Homeowners with high-value properties, business owners needing commercial lines, clients who want a financially rock-solid 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

Coverage Types

Homeowners, Auto, Renters, Umbrella, Flood, Valuable Items

Best Pricing For

Travelers is competitive across a wide range of Georgia homeowners profiles. Pricing is strongest on newer construction (post-2010), impact-resistant roofs, and bundled home and auto. One of the most consistently competitive options in North Atlanta markets.

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.

CLAIMS & PRICING

What to Expect

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.

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.

vs Competitors

Against Nationwide: similar financial strength, Travelers edges ahead on commercial lines depth. Against Openly: Travelers offers broader product range but Openly writes a broader homeowners policy. Against Progressive: Travelers wins on homeowners quality, Progressive wins on auto pricing for most profiles. Against Safeco: very similar independent-agent positioning, Travelers has stronger commercial.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

All 50 states

Personal Lines States

All 50 states

Commercial Lines States

Do We Work With Them?

Yes, all products available in Georgia

Travelers has strong appetite for higher-value Georgia homes and is competitive on bundled home and auto in North Atlanta. They have been conservative on older roofs and homes with recent claims.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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