*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.
The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521; State of Domicile: CT. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority #3545, State of Domicile: CT.In CA: Boat and Yacht insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545, State of Domicile: Connecticut.In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company.Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company.Special Event Insurance is underwritten by The Standard Fire Insurance Company.Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America.All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.
**Travel Insuranceis not underwritten by Travelers or its Affiliates. Coverage is offered by Travel Insured International, California lic. no.0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. The plans contain insurance benefits underwritten by United States Fire Insurance Company, 5 Christopher Way, 2nd Floor, Eatontown, NJ, 07724. Travelers may receive compensation in connection with referrals to Travel Insured International.***Pet Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage to the ASPCA® Pet Health Insurance program. Pet Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. InsuraMatch receives compensation from PTZ Insurance Agency, Ltd. and its affiliates based on the policy you buy.
****Motorcycle Insuranceis not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer motorcycle and off-road vehicle coverage to Dairyland®. Dairyland brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. Motorcycle insurance is subject to Dairyland eligibility and state availability. Dairyland and the Sentry Insurance Group are not affiliated with Travelers or InsuraMatch. InsuraMatch receives compensation from Dairyland and its affiliates based on the policy you buy. For information on InsuraMatch’s compensation, go to:https://www.insuramatch.com/contact.
FAQs
Liability coverage helps pay for injuries or damage that you cause to others . If you own and drive a vehicle, you must follow the financial responsibility laws in the state Vehicle Code. The most common way to do this is to buy auto liability coverage.
Is it a good idea to combine home and auto insurance? ›
Buying homeowners insurance and auto insurance can be a good idea if doing so will save you money while providing the coverage you need. Bundling can also make it easier to manage your insurance payments.
What is the most important thing in homeowners insurance? ›
Make sure you're covered for the right amount – your home insurance policy should cover the full value of your home in case of damage or destruction. When it comes to home insurance, you want to make sure you're getting the right amount of coverage.
What is the most complete homeowners insurance policy coverage called? ›
Called a comprehensive policy, an HO-5 policy offers the highest level of insurance coverage for houses and belongings. It covers your house and belongings under all circ*mstances except those listed as exclusions in the policy. The exclusions for HO-5 policies are the same as those under an HO-3.
What are the 3 most important insurance? ›
There are many types of insurance available, but there are some which top the charts in terms of importance. Home or property insurance, life insurance, disability insurance, health insurance, and automobile insurance are five types that everyone should have.
What is included in a personal auto policy? ›
The PAP is divided into the following six parts: liability coverage, medical payments coverage, uninsured motorist coverage, physical damage coverage, duties after an accident or loss, and general provisions.
What is the best insurance company for car and home? ›
Home and Auto Insurance Company Ratings
| Best Home and Auto Insurance Company | Car Insurance Rating (Out of 10.0) | Home Insurance Rating (Out of 10.0) |
|---|
| 1. State Farm | 9.4 | 9.6 |
| 2. American Family | 9.1 | 9.4 |
| 3. Nationwide | 9.1 | 9.2 |
| 4. Erie Insurance | 9.4 | 9.0 |
2 more rowsApr 11, 2024
Key Takeaways:
Currently, the largest car insurance company in America is State Farm. Major auto insurance companies offer financial stability and a variety of coverage plans. To find cheap car insurance rates, you'll need to compare quotes from various providers.
Why is my car insurance more than my home insurance? ›
But perhaps the biggest difference centers on the issue of liability. People do occasionally slip and fall inside of homes, but those instances are relatively rare. Car accidents, on the other hand, have a much great propensity to result in major injury, and happen with much more frequency.
What should I add to my home insurance? ›
For added peace of mind, you can enhance your home insurance policy with extra cover options. These include accidental damage, legal protection, home emergency, gardens, and bicycles. There is also an "Away-from-home" extra cover option that covers your belongings when they're outside of your home.
Standard homeowners insurance typically offers a range of protections for your property and personal belongings. An HO-3 is the standard homeowners insurance policy that covers damage to your home's structure, personal belongings, and provides liability, medical payments, and additional living expense coverage.
What are the cons of homeowners insurance? ›
Cons of Home Insurance:
- Cost: One of the primary drawbacks is the cost of home insurance. ...
- Deductibles: Home insurance policies often come with deductibles, which means you need to pay a certain amount out of pocket before the insurance coverage kicks in.
15 Insurance Policies You Don't Need
- Private Mortgage Insurance. ...
- Extended Warranties. ...
- Automobile Collision Insurance. ...
- Rental Car Insurance. ...
- Car Rental Damage Insurance. ...
- Flight Insurance. ...
- Water Line Coverage. ...
- Life Insurance for Children.
State Farm, Auto-Owners and Erie provide the cheapest homeowners insurance, based on the MarketWatch Guides team's review.
Which homeowners insurance companies have the highest customer satisfaction? ›
5 Best Homeowners Insurance Companies for Paying Claims
| Provider | Our Rating (out of 5) | Average Satisfaction Score** |
|---|
| State Farm | 4.8 | 7.98 |
| Allstate | 4.8 | 8.04 |
| Liberty Mutual | 4.5 | 7.93 |
| Progressive | 4.5 | 7.93 |
2 more rows7 days ago
#1: Health Insurance
Health insurance is a critical piece of every financial plan. An unforeseen diagnosis or a major accident can leave you with a six or seven-figure medical bill.
What is the most important part of an insurance policy? ›
The Insuring Agreement
This is a summary of the major promises of the insurance company and states what is covered. In the Insuring Agreement, the insurer agrees to do certain things such as paying losses for covered perils, providing certain services, or agreeing to defend the insured in a liability lawsuit.
What is the most important type of car insurance? ›
Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.
What is the most important part of insurance? ›
Premium. An insurance premium is one of the most important places to look when choosing your insurance. The premium is what you have to pay on an ongoing basis to have an insurance policy. You may pay monthly, pay your entire premium upfront or choose another schedule within your policy's guidelines.
