Home Central | Travelers Insurance (2024)

Home central

Information to help you enjoy a safer and smarter household

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Buying & Selling

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6 Things You Need to Know Before Buying a Second Home

6 minutes

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10 Easy Renovations That Can Help Prep Your House for Sale

6 minutes

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Real Estate: How to Make a Virtual Home Tour

2 minutes

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10 Reasons You May Need a Real Estate Agent

6 minutes

Home protection: water

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Home Safety

Common Signs of Plumbing Problems

Water damage due to a plumbing problem in your home can be life-changing. But there are some common signs that homeowners can look for and steps they can take to help avoid a major water issue at home.

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9 minutes

Home Safety

Basic Home Maintenance Tips to Help Protect Against Water Damage

Do you want to reduce the chances of water damage in your house? Here are some home maintenance tips that Travelers Risk Control specialists recommend.

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4 minutes

Home Water Damage Prevention

Keep Your Home Safe from Water: Best Practices to Protect Your Home While You're Away

Most water damage that homeowners experience is the result of leaks in pipes and connections frequently due to maintenance issues. Here are some tips to consider to help you avoid damage to or loss of your property.

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5 minutes

Fire safety

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Home Fire Safety Tips

Kitchen Fire Safety

Kitchen fire safety extends beyond cooking, as these types of fires can also be caused by appliances.

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2 minutes

Home Fire Safety Tips

The Science of Gas Grill Fires

What causes a gas grill to catch on fire? We'll take a look at three of the leading causes and explore the science behind gas grill fires.

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4 minutes

Home Fire Safety Tips

How to Help Prevent House Fires

There are many causes of house fires, including faulty wiring, alternate heat sources, cooking and more.

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2 minutes

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Home safety

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Holiday Decorating Safety

2 minutes

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Home Solar Panel Installation Tips

4 minutes

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Basic Home Maintenance Tips to Help Protect Against Water Damage

4 minutes

Smart home

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Smart Home Tips & Tools

How Smart Home Technology Helps Protect Your Home

Smart home technology offers ease and convenience. It can also help protect your home and reduce home insurance costs.

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7 minutes

Smart Home Tips & Tools

4 Smart Home Leak Detection Devices to Help Avoid Water Damage

Learn how to prevent costly water damage and protect your home and valuables with these four smart home water detection systems that help avoid leaks.

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4 minutes

Smart Home Tips & Tools

5 Smart Home Automation Safety Tips

Home automation technology is on the rise, and with it, so are a number of new security and safety concerns. Get home automation tips from Travelers.

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4 minutes

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Moving

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How to Declutter and Recycle Your Electronics Before You Move

5 minutes

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7 Tips for Moving with a Pet

3 minutes

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5 Tips for Moving on a Budget

5 minutes

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How to Downsize Your Home in 6 Steps

3 minutes

Home maintenance

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Home Maintenance Tips and Resources

Summer Home Maintenance Tips

Summer home maintenance can help keep your home safe from damage. Get summer home maintenance tips from Travelers.

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2 minutes

Home Maintenance Tips and Resources

Call Before You Dig

Use the Call Before You Dig hotline, 811, to research underground lines that may be buried on your property before doing any digging.

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1 minute

Home Maintenance Tips and Resources

Top 5 Ways Things Can Go Wrong in Your Home

Do you know the top dangers to your house? This interactive can help identify common risks in your area.

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4 minutes

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Insuring

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Does Renters Insurance Cover Theft?

5 minutes

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8 Steps to Buying and Insuring Your New Home

3 minutes

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What's the Difference Between Homeowners Insurance and Mortgage Insurance?

6 minutes

Renovation

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Home Renovation Tips & Tools

Hiring a Contractor Checklist and Tips

Use our hiring a contractor checklist tips as a guide to help you when selecting a contractor.

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4 minutes

Home Renovation Tips & Tools

Renovating Your Home to FORTIFIED Standards

FORTIFIED homes are generally stronger than most state building codes require and can protect against severe weather.

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1 minute

Home Renovation Tips & Tools

The Pros and Cons of Composite vs. Wood Decking

While they often cost more than wood, composite materials can offer greater durability and less maintenance. Learn about the pros and cons of composite decking.

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2 minutes

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Identity theft

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How to Help Prevent Offline Identity Fraud

3 minutes

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4 Tips for Holiday Safety

2 minutes

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Worried About ID Theft When Shopping Online?

2 minutes

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How to Protect Yourself from Package Theft and ID Fraud

3 minutes

Landlords

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Landlord Resources

10 Common Rental Property Repairs Landlords Need to Know About

Landlords are responsible for handling building maintenance and quickly fixing problems. To ensure you are always ready, here are the 10 most common rental property repairs.

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6 minutes

Landlord Resources

As a Landlord, Can I Require My Tenants to Have Renters Insurance?

If you're a landlord, you might've wondered if your tenants should have renters insurance. Find out if landlords can require renters insurance with Travelers.

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3 minutes

Landlord Resources

Landlord Insurance for Rental Properties

Considering renting out your home or investing in a small residential property with a couple of apartments to generate extra income? Here's what you need to know about landlord insurance.

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7 minutes

Landlord Resources

Landlord Insurance vs. Homeowners Insurance: What's the Difference?

Make sure you have the coverage needed for your rental properties. Whether you're a seasoned, new or accidental landlord, learn about landlord vs. homeowners insurance.

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4 minutes

Landlord Resources

Renting Out Your House or Investment Property: 7 Things to Consider

Investing in a rental property to become a landlord could be a smart way to generate extra income for yourself. Here are seven things to think about when you're considering renting your own property as a landlord.

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7 minutes

Pet resources

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Moving Tips & Resources

7 Tips for Moving with a Pet

Moving with your cat, dog or other pet can be stressful for both you and your pet. Follow these tips from Travelers for moving with pets to help with a smooth transition.

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3 minutes

Pet Resources

What Not to Feed Your Dog

Your dog may ask for a bite of your food, but is it OK to share? Learn what foods not to feed your dogs and what to do if they eat something they shouldn't.

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4 minutes

Pet Resources

Alternatives to Declawing Cats

Cat owners frustrated with scratching may consider declawing their cats, but the procedure can be damaging. Learn more about alternatives to declawing.

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2 minutes

Renter resources

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Renters Resources

Do College Students Need Renters Insurance?

College students living in dorms likely won't have any dorm insurance. Learn more about on- and off-campus renters insurance for college students from Travelers.

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2 minutes

Renters Resources

4 Things Every Renter Needs to Know About Renters Insurance

As you consider whether to buy renters insurance, here are four things you need to know about how a policy can compensate you for lost or damaged property.

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2 minutes

Renters Resources

5 Questions to Ask Your Insurance Rep About Renters Insurance

Not all renters policies are the same. Asking the right questions of an insurance rep can help you make the right choice for your needs.

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2 minutes

Travel resources

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Travel Resources

A Guide to Renewing Your U.S. Passport

Renewing your passport can be a daunting task. Unsure where to start? Learn how to renew your passport with this helpful guide.

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9 minutes

Travel Resources

Do I Need Travel Insurance?

Travel insurance helps protect you when unexpected things happen before or during trips.

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4 minutes

Travel Resources

How Much Medical Travel Insurance Do I Need?

Traveling soon? You should consider travel medical insurance to help protect yourself in the event of an accident or illness. Learn more about your options today.

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4 minutes

Travel Resources

10 Packing Tips: How to Pack a Suitcase for Vacation

Some people love the process of planning a vacation. But what may be less enjoyable for some is the essential task of packing for your trip. Here are 10 tips on how to pack a suitcase for vacation.

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4 minutes

Travel Resources

When Should I Purchase Travel Insurance?

Booking travel insurance ahead of time is crucial to kick off a stress-free trip. Read on to learn more about when you should consider purchasing travel insurance.

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4 minutes

Working remotely

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Working Remotely

10 Tips for Staying Productive When Working from Home

Though technology can ease many of the challenges associated with working from home, it can't always help you stay productive. If you're finding it hard to stay on top of your tasks or meet your deadlines while working from home, these 10 tips can help.

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5 minutes

Small Business Resources

How to Set Up Your Home Office

If you work from home, properly setting up your home office can help avoid painful injuries and time lost from work in the future.

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5 minutes

Working Remotely

6 Tips for Working from Home with Your Kids

The juggle of work and home life has taken a different form for working parents of school-age children. Learn six tips for working from home with your kids.

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3 minutes

Home Central | Travelers Insurance (2024)

FAQs

Why am I being denied for home insurance? ›

Living in a high-risk location, having hazardous home features, home maintenance issues, your home's history of insurance claims, and more can be reasons an insurance company may determine a house to be uninsurable.

How do I argue with homeowners insurance? ›

If you review the explanation and still believe your claim was unfairly denied, try these steps.
  1. Contact the Insurance Company. Claims are often denied due to insufficient information. ...
  2. Keep Detailed Records. ...
  3. File an Appeal. ...
  4. Contact Your State Department of Insurance. ...
  5. Hire a Public Adjuster. ...
  6. Hire an Attorney.
Oct 24, 2023

Why is it so hard to get homeowners insurance? ›

By now, you've probably heard that it's more difficult to get homeowners insurance in places like Florida and California than it is elsewhere in the U.S.. They're the places most prone to natural disasters like hurricanes and earthquakes—and serve as a stark reminder of the effects climate change is having on our daily ...

What is the rule of thumb for homeowners insurance? ›

The 80 percent rule in homeowners insurance means that you must insure your home for at least 80 percent of the replacement cost for an insurer to cover the damages.

What not to say to home insurance? ›

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

What happens if you Cannot get home insurance? ›

If you're unable to get a policy through the standard market, you may be able to obtain coverage through your state's FAIR (Fair Access to Insurance Requirements) plan. A FAIR plan is a state-run program designed to provide home insurance to homeowners that may be too risky for standard home insurance companies.

How to negotiate a home insurance claim? ›

When negotiating with the adjuster, be prepared to advocate for yourself. Be polite and professional, but don't be afraid to push back if you think the settlement offer is too low. Provide evidence to support your position, and be willing to compromise to reach a mutually acceptable agreement.

Why would a water damage claim be denied? ›

A chronic or gradual water damage issue such as an ignored pipe or roof leak causing slow seepage over time will typically not be covered regardless of the cause. Property owners are expected to fix issues to their property in a timely manner. Failure to do so can result in claim denial.

What are the disadvantages of filing a homeowners insurance claim? ›

Cons
  • Rate increases: Filing a claim may result in an increase in insurance premiums. ...
  • Risk of non-renewal: If you have frequent or severe claims, your insurer may label you as high-risk and choose not to renew your policy.
Jan 8, 2024

Can you be turned down for insurance because of your credit score? ›

In some states, yes, you could be denied coverage due to your credit. A very low insurance score might mean that a company considers you too great of a risk to insure, which could lead to the carrier denying coverage. However, some states do not allow this practice.

Is State Farm pulling out of Florida? ›

WASHINGTON, D.C. (NewsNation) — Days after a major insurance provider announced it was pulling out of Florida due to environmental risks, State Farm Insurance announced Thursday it is recommitting itself to the residents of the state, NewsNation has learned.

Why would an insurance company not insure you? ›

You could be denied coverage because of the car you drive, the state where you live, your driving history or your credit score. Each insurance company considers these factors differently.

What is the 80% rule in insurance? ›

When it comes to insuring your home, the 80% rule is an important guideline to keep in mind. This rule suggests you should insure your home for at least 80% of its total replacement cost to avoid penalties for being underinsured.

What is the appropriate amount of insurance that you should have on your house? ›

Your dwelling coverage should equal the replacement cost of your house, which is the amount of money it would take to build a replica of your home. At the bare minimum, you should definitely have replacement cost coverage (or RCV) for your home, which is what pretty much all standard policies offer anyway.

How many quotes should you get for homeowners insurance? ›

Homeowners insurance covers your home, personal belongings, and liability claims. You can get quotes online or by working directly with a home insurance agent. Plan on getting at least three quotes to make sure you find the best policy for your budget.

In what circ*mstance would a property insurance be rejected? ›

Intentional Damage

Property insurance is designed to protect against unexpected and accidental damages. If damages occur intentionally or due to deliberate actions, the claim is likely to be rejected. Insurance coverage is not meant to provide protection for damages caused intentionally.

Why am I being refused insurance? ›

When you are refused insurance it means that the provider has decided not to provide cover for your property or belongings. This may be because you do not meet the terms of their underwriters, or it may be because of a change in your circ*mstances which means you are perceived to be a greater risk to insure.

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