What's Covered by My Travelers Insurance Policy?

Travelers provides several insurance policies, including homeowners, auto, and business owner's coverages. Check out the typical coverages of each policy. Generally, the company takes care of most expenses. However, you may also add more options for enhanced protection. Contact customer service for additional information or if you have any queries.

Travelers provides good coverage options to protect your essential things, including your car, valuables, home, and business. With over 165 years of experience, the insurance company is well-established and holds a reputation for catering to customer needs.

By understanding your Travelers insurance policy coverage options, you can assess if it provides enough protection for your property or vehicle. The company offers numerous coverages and discounts. You may also customize the options to suit your needs the best.

The following breakdown makes it easier for you to understand what your policy covers.

Car Coverage

Travelers offer the following coverage for its car insurance policy:

Collision Coverage

This option takes care of the damage expenses when your car collides with another object or vehicle and vice versa. Generally, policyholders take this coverage when the car is leased or financed.

Comprehensive Coverage

It pays for any damages apart from the ones caused by collisions. Repairs due to vandalism, theft, storms, and other natural disasters fall under this category.

Liability Coverage

The insurance policy covers both property damage and bodily injury liability. Most states mandate liability coverage for vehicles. It provides compensation when your car injures others or causes damage to their vehicle and property.

You can select the limit of this coverage option. For instance, you may extend it to cover charges of legal defense as well.

Underinsured/Uninsured Motorist Coverage

The company pays for medical costs and damages if your car is involved in an accident caused by an uninsured or underinsured driver.

In a few states, the policy combines both coverage options. Meanwhile, policyholders of other states have separate coverages for both. You can contact customer service to know the availability in your state.

Personal Injury Protection

This coverage option is mandatory in a few states. It takes care of medical expenses regardless of the driver at fault during an accident. In some cases, it covers lost wages as well.

Additional Car Coverage

You can also add the following car insurance coverage options:

  • Roadside assistance
  • Rental coverage
  • Gap insurance
  • Rideshare insurance
  • New Car Replacement

Homeowners Coverage

Travelers homeowner's insurance typically covers the following:

Property Damage Coverage

It helps cover the expenses of damages to your property caused by windstorms, fire, hail, vandalism, theft, and lighting.

Personal Property Coverage

The insurance policy protects your personal items. It includes your furniture, electronics, clothes, and sporting goods. However, particular liability limits may apply to a few items.

Other Structures Coverage

It covers damage expenses of detached structures upon the property, including your sheds, garage, and fences.

Additional Homeowners Coverage

The company also allows you to add the following insurance coverage options to your policy:

  • Valuables and jewelry
  • Personal liability
  • Content replacement cost

You can reach out to a customer representative for further details about homeowner's coverages.

Business Coverage

The company offers customized coverage options for different industries. Travelers policy coverage for businesses includes the following:

General Liability

General liability offers protection from different types of claims.

Workers' Compensation

Workers' compensation covers costs of injuries to workers and damages to their property.


This coverage extends to most of your business equipment and furniture, including chairs, computers, and desks.

For more information about coverage options, you can contact the company.

Why Did GetHuman Write "What's Covered by My Travelers Insurance Policy?"?

After thousands of Travelers Insurance customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together What's Covered by My Travelers Insurance Policy? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Travelers Insurance if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Travelers Insurance Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Travelers Insurance in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What's Covered by My Travelers Insurance Policy? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

Travelers Insurance

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