When you represent 22+ insurance carriers, you get a very clear picture of which companies consistently deliver and which ones fall short. Some carriers look great on paper but disappoint when it counts. Others quietly outperform expectations year after year, earning the trust of agents and clients alike. Travelers Insurance falls squarely in the second category.
At Better Choice Insurance Group, Travelers is one of our most-recommended carriers — and for good reason. They have been protecting Americans since 1864, they hold the highest possible AM Best rating of A++ (Superior), and they consistently offer some of the most competitive rates in our panel for home, auto, and umbrella coverage. In this article, we want to explain exactly why we love working with Travelers and why our clients love being insured by them.
1. Financial Strength You Can Count On
Let us start with the foundation: financial stability. When you buy an insurance policy, you are trusting that the company will be there to pay your claim when you need them — whether that is next month or twenty years from now. That trust requires financial strength, and no carrier in our panel demonstrates it more convincingly than Travelers.
Travelers holds an AM Best rating of A++ (Superior), the highest rating available. They are a Fortune 100 company, a component of the Dow Jones Industrial Average, and one of the largest property casualty insurers in the United States. These are not just bragging rights. They are indicators that Travelers has the capital reserves, management discipline, and operational expertise to pay claims even during catastrophic events like widespread hail storms, hurricanes, or wildfire seasons.
For context, fewer than 4% of all rated insurance companies achieve an A++ rating from AM Best. When we recommend Travelers to a client, we are recommending one of the most financially secure insurance companies in the world.
2. Consistently Competitive Pricing
Financial strength alone does not win our recommendation. If a carrier is rock-solid but expensive, we will acknowledge their stability while placing our clients with a more affordable option. What makes Travelers special is that they combine top-tier financial strength with genuinely competitive pricing.
When we run quotes across our full carrier panel, Travelers regularly comes back with one of the best rates for homeowners insurance — particularly for well-maintained homes in suburban communities. They are also highly competitive on auto insurance, especially for households with clean driving records and multi-vehicle discounts.
Here is a comparison that illustrates the point. For a typical 2,200-square-foot home in the Chicago suburbs with $350,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible, we often see a spread of $800 or more across our carrier panel. Travelers frequently lands within the top three most affordable options — and sometimes takes the top spot. When you combine that with their A++ rating and claims reputation, the value proposition is hard to beat.
3. Outstanding Claims Handling
Insurance is a promise. You pay premiums every month, and in return, the carrier promises to pay your covered losses when something goes wrong. The moment of truth is the claims experience, and this is where Travelers truly shines.
Travelers operates a dedicated Claim Center that is staffed 24 hours a day, 365 days a year. Clients can file claims online through the MyTravelers portal, through the mobile app, or by calling 1-866-933-7287. Once a claim is filed, Travelers assigns a dedicated adjuster and provides regular updates throughout the process.
Here is a real scenario that illustrates why this matters. One of our clients in Arlington Heights experienced significant hail damage to their roof and siding after a spring storm. They filed their claim through the Travelers app on a Saturday evening. By Monday morning, an adjuster had already been scheduled. Within two weeks, the claim was settled for the full replacement cost, and the check was deposited directly into their bank account. The entire process was transparent, well-communicated, and fair.
That is not an outlier. Across our book of business, Travelers claims are consistently resolved quickly, fairly, and with minimal friction. When we hand a client over to Travelers’ claims team, we are confident they will be treated well.
4. A Complete Product Suite
One of the advantages of working with a carrier as large as Travelers is the breadth of their product line. Unlike some carriers that only write home or only write auto, Travelers offers a comprehensive suite that allows clients to consolidate their coverage under one carrier and maximize multi-policy discounts.
Travelers’ product lineup includes:
- Home insurance with options for replacement cost, extended replacement cost, and guaranteed replacement cost
- Auto insurance with the IntelliDrive telematics program that rewards safe driving
- Umbrella insurance with limits up to $10 million — one of the strongest umbrella products available through independent agents
- Valuable items coverage for jewelry, art, wine collections, and other high-value possessions
- Condo insurance tailored specifically for unit owners
- Landlord and rental property insurance for investment properties
The ability to bundle home, auto, and umbrella under Travelers means our clients can take advantage of significant multi-policy discounts — often 10% to 15% off each policy — while simplifying their insurance life with one carrier, one app, and one bill.
5. Digital Tools That Actually Work
We live in an era where people expect to manage their finances from their phone. Not all insurance carriers have kept up with this expectation. Travelers has.
The MyTravelers portal and Travelers Mobile app allow policyholders to view policy details, download auto ID cards, make payments, set up autopay, file and track claims, and access roadside assistance. The app supports biometric login and trusted-device recognition, so you can get in and out quickly without re-entering credentials every time.
For our clients, this means fewer calls to our office for routine tasks like grabbing an ID card or making a one-time payment. It also means that when they need to file a claim at 11 PM on a Saturday, they can do it from their phone in minutes rather than waiting until Monday morning to call someone.
The Travelers Mobile app is available on both iOS and Android, and it is consistently well-rated in both app stores.
How Travelers Compares to Other Carriers in Our Panel
| Feature | Travelers | Typical Regional Carrier | Typical National Carrier |
|---|---|---|---|
| AM Best Rating | A++ (Superior) | A (Excellent) | A+ (Superior) |
| Home insurance pricing | Top 3 in panel | Competitive | Mid-range |
| Umbrella limits | Up to $10M | Up to $2M–$5M | Up to $5M |
| Claims availability | 24/7, app + phone + online | Business hours + phone | 24/7 phone |
| Mobile app | Full-featured | Basic or none | Moderate |
| Telematics discount | IntelliDrive (app-based) | None | Device-based |
| Multi-policy discount | 10%–15% | 5%–10% | 8%–12% |
A Client Story: The Power of Bundling With Travelers
One of our favorite success stories involves a family in Naperville, Illinois who came to us paying $3,100 per year for home insurance with one carrier and $2,400 per year for auto insurance with a different carrier. They had no umbrella policy. Their total annual insurance spend was $5,500 with no umbrella protection and no multi-policy discount.
We quoted their home, auto, and a $1 million umbrella policy through Travelers as a bundle. The result: $2,280 for home, $1,860 for auto, and $320 for the umbrella. Their total annual cost dropped to $4,460 — a savings of $1,040 per year — and they gained $1 million in umbrella protection that they did not have before.
That is the kind of outcome that makes us love recommending Travelers. The client saved money and got better coverage at the same time. It does not always work out that perfectly, but with Travelers, it happens more often than with any other carrier in our panel.
Who Is Travelers Best For?
While Travelers is competitive across the board, they tend to be the strongest fit for:
- Homeowners in suburban communities with well-maintained properties
- Families looking to bundle home, auto, and umbrella for maximum savings
- Clients who value financial stability and want the peace of mind that comes with an A++ rated carrier
- Drivers interested in telematics who want to earn discounts through the IntelliDrive program
- High-value home and asset owners who need robust umbrella and valuable items coverage
If any of those descriptions sound like you, there is a strong chance Travelers will be one of your top options when we run your quote.
Get a Quote From Travelers and 18+ Other Carriers
Here is the best part about working with Better Choice Insurance Group: you do not have to take our word for it. When you request a quote, we run your information through Travelers and every other carrier in our panel. You see the numbers, you see the coverage, and you make the decision. If Travelers is the best fit, great. If another carrier beats them for your specific situation, we will tell you that too.
That is the power of working with an independent agency. You get access to Travelers’ A++ rated products alongside 18+ other carriers, all in one place, with one phone call or one online quote request.
Get your free quote today or call us at (847) 908-5665. It takes less than five minutes, there is no obligation, and you might be surprised at how much you can save.