Understanding your home insurance coverage

Understanding your home insurance coverage

Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It's also required by most mortgage lenders.

There are different types of insurance policies that cover your home. They range from a basic policy, to those that will provide a much broader ranger of protection. Not all policies and coverages are available in all states.
What's covered; what's not

Most homeowners insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well. Typically, floods and earthquakes are excluded. It's important to talk to your agent or Travelers representative to learn what your policy may and may not cover. And for those perils that are not covered, there may be supplemental insurance you can purchase.
What most standard homeowners policies provide

    Dwelling coverage

. Pays to repair or rebuild your home - including electrical wiring, plumbing, and heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild. Learn more about cost to rebuild.

    Other structures coverage. Pays for damages to detached structures like garages, sheds, fences and cottages on your property.

    Personal property coverage. Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Learn more about Travelers Personal Property insurance.

    Loss of use coverage. Pays your additional housing and living expenses if you must move out of your home temporarily while it's being restored. Learn more about Travelers Loss of Use insurance.

    Liability insurance. Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property. Learn more about Travelers Liability insurance.

    Additional home coverages. There are a number of additional coverages you can add on to your homeowners policy to help you meet your insurance needs.

HOME OWNERS INSURANCE

Protect your home with homeowners insurance

Home. It's your safe haven. It's where you raise your family and create memories that last a lifetime. Whether you're buying insurance for your first home, or the high-value home of your dreams, Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

Get comprehensive coverage with Travelers homeowners insurance

Travelers policies can provide coverage for:

     1.Damage to your home's physical structure (Dwelling coverage)

     2.Damage to other structures like a garage or shed (Other Structures coverage)

     3.Your personal belongings - whether in your home or elsewhere (Personal Property coverage)

    4. Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)

    5. Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)

    6.Extra coverage for valuable items

Travelers offers you way to save and protect your home

Travelers offers many ways to save on your homeowners insurance, one being a discount if you buy other Travelers policies, such as auto insurance, personal liability umbrella insurance and more.

We also can provide home maintenance tips which can help decrease your chances of having a loss in the first place.

Travelers will be there when you need us

In the event of a loss, we know you want it resolved quickly. With Travelers, you get:

   1. Fast, efficient claim service and 24/7 claim reporting

    2.More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims

    3.Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss

    4.Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster

We've been providing trusted service for more than a hundred years, and we'll be there for you.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop a homeowners insurance policy that fits your needs and your budget

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