Travelers Review: Auto / Homeowners Insurance Price Competitiveness, AM Best Financial Strength Ratings & Complaints 2009-2014

This Travelers Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint record for the subsidiary companies of Travelers insurance group, to determine whether each subsidiary, such as Travelers Home & Marine Insurance Company or Standard Fire Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

I’ll also look at the JD Power ratings for Travelers auto & homeowner insurance pricing, and increases & decreases in market share (as measured by annual written premiums) for each Travelers subsidiary, as a possible indication of high or low insurance rates. In addition, I’ll review the AM Best Financial Strength Ratings for the Travelers insurance companies, too.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

There are plenty of insurance company reviews & customer complaints on the Web. Will positive or negative customer reviews help you choose a better auto or home insurance company? Can customer reviews at least help you avoid insurance companies with unacceptable customer service? You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. The wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints, but most reviews online don’t have enough complaint data to make a fair comparison among insurance companies.

The detailed information in this review, and my review of the JD Power auto & homeowners customers & claims satisfaction ratings for Travelers Insurance, compare Travelers auto & homeowners insurance to the industry average and competing companies for customer service, customer complaints, claims processing performance, and insurance rates, but if you don’t want to read all the details, you can go to my review here, to see at a glance if Travelers consistently performs better than average, average, or worse than average for customer service, claims, complaints, and pricing, and compare Travelers to over 40 other U.S. auto & home insurance companies.

If you find this review useful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as the latest complaint data becomes available.


Travelers Auto & Home Insurance Customer Complaints, Pricing, & Ratings Review

The Travelers Insurance companies sell auto & home insurance in most of the US states, through a network of 13,000 independent insurance agent offices located throughout the USA. Auto insurance price quotes can be obtained through the Travelers website, or by using the ads at the top and bottom of this review.

This Travelers Insurance review is divided into four sections, consisting of: 1. AM Best Financial Strength Ratings for the Travelers insurance companies, 2. its auto insurance customer complaint record, 3. its home insurance customer complaint record, and 4. the competitiveness of Travelers auto & home insurance rates compared to other major auto & home insurance companies.

1. AM Best Financial Strength Ratings for the Travelers insurance companies

The following Travelers subsidiaries (excluding the St. Paul & American Equity brands): Automobile Insurance Company of Hartford, Connecticut; Charter Oak Fire Insurance Company; Discover Property & Casualty Insurance Company; Discover Specialty Insurance Company; Farmington Casualty Company; Fidelity and Guaranty Insurance Underwriters, Inc.; Fidelity and Guaranty Insurance Company; Gulf Underwriters Insurance Company; Northfield Insurance Company; Northland Casualty Company; Northland Insurance Company; Phoenix Insurance Company; Select Insurance Company; Standard Fire Insurance Company; TravCo Insurance Company; Travelers Casualty Company; Travelers Casualty Company of Connecticut; Travelers Casualty Insurance Company of America; Travelers Casualty and Surety Company of America; Travelers Casualty and Surety Company; Travelers Commercial Casualty Company; Travelers Commercial Insurance Company; Travelers Constitution State Insurance Company; Travelers Excess and Surplus Lines Company; Travelers Home and Marine Insurance Company; Travelers Indemnity Company of America; Travelers Indemnity Company; Travelers Indemnity Company of Connecticut; Travelers Lloyds Insurance Company; Travelers Lloyds of Texas Insurance Company; Travelers Personal Insurance Company; Travelers Personal Security Insurance Company; Travelers Property Casualty Company of America; Travelers Property Casualty Insurance Company; and United States Fidelity and Guaranty Company had their A++ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, and they have maintained this rating since their rating was upgraded from A+ in 2014. A++ is the highest rating for AM Best.

The Travelers insurance subsidiary, Premier Insurance Company of Massachusetts, had its A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, a rating it has maintained for six years or more. A is the third highest rating for AM Best.

The Travelers insurance subsidiary, First Floridian Auto and Home Insurance Company, had its A- (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, a rating it has maintained for six years or more. A- is the fourth highest rating for AM Best.

I become concerned with any automobile or homeowners insurance company or subsidiary not rated or with less than an A- rating for financial strength from AM Best.

AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Travelers companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have the same or lower financial strength ratings than the Travelers companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.

Travelers Auto & Homeowners Insurance Complaint Record 2009-2014

You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.

A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.

Sections #2 & #3 of this review will show you if Travelers auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Travelers, or a competitor, like Allstate or Amica, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The complaint statistics, called complaint ratios, used in this Travelers Insurance review are the number of upheld complaints filed against each of the Travelers companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.

The complaint ratios for the Travelers insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Travelers has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.

2. Travelers Auto Insurance Complaint Statistics & Ratings

Travelers auto insurance complaint record considering all subsidiaries:

Better than average

Travelers has twenty subsidiary companies insuring private passenger vehicles in the USA. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as motorhome or motorcycle insurance.

Most of the Travelers subsidiaries have small and/or shrinking auto insurance market shares, which may be a sign these Travelers subsidiaries no longer have competitive auto insurance rates.

However, Travelers launched a new auto insurance product in 2013 with more competitive pricing, and it may be a very good option for some auto insurance consumers. Be aware some agents may be reluctant to sell or recommend the new auto insurance product from Travelers, because it has lower commissions.

These Travelers subsidiaries have doubled their auto insurance market share over the last two years, which may be a sign of competitive auto insurance rates: Automobile Insurance Company of Hartford, CT (its US auto insurance market share doubled from 2012 to 2013, and is up slightly in 2014), Standard Fire Insurance Company, Travelers Personal Insurance Company (licensed in Illinois, Missouri, New York, and Pennsylvania only), and Travelers Property & Casualty Company.

Which Travelers auto insurance subsidiaries are available to you may depend on the state in which you live, if you get a quote direct from the company, or different independent insurance agents, and other factors. You may be eligible for multiple subsidiaries. Each subsidiary has its own rates, so the price for auto insurance with the same coverage will most likely differ among subsidiary companies.

The Travelers subsidiaries, Travelers Casualty Insurance Company of America (with only $1,066 in 2014 US auto insurance premiums) and Northland Insurance Company (with only $6,810 in 2012 US auto insurance premiums, $2,277 in 2013, and now $1,198 in 2014), have too few auto insurance customers, to be included in this auto insurance complaints section of my review. My auto insurance complaint ratings for the remaining 19 Travelers subsidiaries insuring personal use autos & trucks are shown below.

Here is the auto insurance complaint data for each Travelers subsidiary:

Automobile Insurance Company of Hartford, CT Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $59,574,412

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $53,414,857

2012 Auto Insurance Complaint Ratio = C+ (.91)

2012 US auto insurance premium = $29,922,374

2011 Auto Insurance Complaint Ratio = B (.50)

2011 US auto insurance premium = $34,180,894

2010 Auto Insurance Complaint Ratio = C- (1.15)

2010 US auto insurance premium = $43,988,907

2009 Auto Insurance Complaint Ratio = C- (1.11)

Charter Oak Fire Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.38)

2014 US auto insurance premium = $27,897,649

2013 Auto Insurance Complaint Ratio = C (1.00)

2013 US auto insurance premium = $32,549,847

2012 Auto Insurance Complaint Ratio = C- (1.24)

2012 US auto insurance premium = $36,635,322

2011 Auto Insurance Complaint Ratio = C+ (.76)

2011 US auto insurance premium = $45,097,533

2010 Auto Insurance Complaint Ratio = B (.26)

2010 US auto insurance premium = $64,717,471

2009 Auto Insurance Complaint Ratio = C+ (.75)

Farmington Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (3.87)

2014 US auto insurance premium = $5,541,389

2013 Auto Insurance Complaint Ratio = W (1.38)

2013 US auto insurance premium = $23,581,622

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $23,303,578

2011 Auto Insurance Complaint Ratio = B (.42)

2011 US auto insurance premium = $20,257,766

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $21,557,101

2009 Auto Insurance Complaint Ratio = B (0) (No complaints)

Fidelity & Guaranty Insurance Underwriters, Inc. Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.18)

2014 US auto insurance premium = $178,696,466

2013 Auto Insurance Complaint Ratio = B (.14)

2013 US auto insurance premium = $225,884,747

2012 Auto Insurance Complaint Ratio = B (.26)

2012 US auto insurance premium = $239,708,025

2011 Auto Insurance Complaint Ratio = B (.28)

2011 US auto insurance premium = $246,742,425

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $253,710,071

2009 Auto Insurance Complaint Ratio = No auto insurance policies in force

2009 US auto insurance premium = $0

First Floridian Auto & Home Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.73)

2014 US auto insurance premium = $44,180,191

2013 Auto Insurance Complaint Ratio = B (.66)

2013 US auto insurance premium = $49,621,068

2012 Auto Insurance Complaint Ratio = B (.17)

2012 US auto insurance premium = $54,652,200

2011 Auto Insurance Complaint Ratio = B (.27)

2011 US auto insurance premium = $62,038,967

2010 Auto Insurance Complaint Ratio = B (.23)

2010 US auto insurance premium = $72,106,731

2009 Auto Insurance Complaint Ratio = B (.10)

First Floridian Auto & Home Insurance Company operates in the state of Florida only.

Premier Insurance Company of Massachusetts Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $112,577,593

2013 Auto Insurance Complaint Ratio = B (.25)

2013 US auto insurance premium = $132,300,731

2012 Auto Insurance Complaint Ratio = B (.53)

2012 US auto insurance premium = $153,645,632

2011 Auto Insurance Complaint Ratio = B (.15)

2011 US auto insurance premium = $175,308,535

2010 Auto Insurance Complaint Ratio = B (.49)

2010 US auto insurance premium = $190,565,000

2009 Auto Insurance Complaint Ratio = B (.40)

Premier Insurance Company of Massachusetts operates in the state of Massachusetts only.

Phoenix Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.48)

2014 US auto insurance premium = $44,968,431

2013 Auto Insurance Complaint Ratio = B (.21)

2013 US auto insurance premium = $52,468,128

2012 Auto Insurance Complaint Ratio = C+ (.89)

2012 US auto insurance premium = $60,788,585

2011 Auto Insurance Complaint Ratio = B (.56)

2011 US auto insurance premium = $75,924,357

2010 Auto Insurance Complaint Ratio = B (.40)

2010 US auto insurance premium = $106,099,732

2009 Auto Insurance Complaint Ratio = B (.57)

Standard Fire Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.50)

2014 US auto insurance premium = $541,579,685

2013 Auto Insurance Complaint Ratio = B (.43)

2013 US auto insurance premium = $277,243,667

2012 Auto Insurance Complaint Ratio = C- (1.15)

2012 US auto insurance premium = $291,487,051

2011 Auto Insurance Complaint Ratio = B (.61)

2011 US auto insurance premium = $305,481,436

2010 Auto Insurance Complaint Ratio = B (.71)

2010 US auto insurance premium = $311,679,479

2009 Auto Insurance Complaint Ratio = C+ (.82)

TRAVCO Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.74)

2014 US auto insurance premium = $72,905,643

2013 Auto Insurance Complaint Ratio = B (.65)

2013 US auto insurance premium = $83,647,426

2012 Auto Insurance Complaint Ratio = C- (1.23)

2012 US auto insurance premium = $88,374,462

2011 Auto Insurance Complaint Ratio = B (.64)

2011 US auto insurance premium = $93,627,364

2010 Auto Insurance Complaint Ratio = B (.39)

2010 US auto insurance premium = $108,322,207

2009 Auto Insurance Complaint Ratio = B (.34)

Travelers Casualty Company of CT Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $5,734,478

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $6,882,578

2012 Auto Insurance Complaint Ratio = W (3.42)

2012 US auto insurance premium = $7,891,628

2011 Auto Insurance Complaint Ratio = W (3.58)

2011 US auto insurance premium = $9,508,992

2010 Auto Insurance Complaint Ratio = C- (1.04)

2010 US auto insurance premium = $16,242,046

2009 Auto Insurance Complaint Ratio = B (.32)

Travelers Commercial Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.71)

2014 US auto insurance premium = $150,713,591

2013 Auto Insurance Complaint Ratio = B (.35)

2013 US auto insurance premium = $185,276,519

2012 Auto Insurance Complaint Ratio = C- (1.06)

2012 US auto insurance premium = $195,893,636

2011 Auto Insurance Complaint Ratio = C+ (.80)

2011 US auto insurance premium = $191,243,786

2010 Auto Insurance Complaint Ratio = W (1.40)

2010 US auto insurance premium = $180,890,654

2009 Auto Insurance Complaint Ratio = W (1.68)

Travelers Home & Marine Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.66)

2014 US auto insurance premium = $1,405,720,217

2013 Auto Insurance Complaint Ratio = B (.49)

2013 US auto insurance premium = $1,683,084,105

2012 Auto Insurance Complaint Ratio = B (.49)

2012 US auto insurance premium = $1,803,384,398

2011 Auto Insurance Complaint Ratio = B (.44)

2011 US auto insurance premium = $1,791,733,247

2010 Auto Insurance Complaint Ratio = B (.51)

2010 US auto insurance premium = $1,597,034,569

2009 Auto Insurance Complaint Ratio = C+ (.95)

Travelers Indemnity Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (4.40)

2014 US auto insurance premium = $21,944,394

2013 Auto Insurance Complaint Ratio = W (4.02)

2013 US auto insurance premium = $29,675,379

2012 Auto Insurance Complaint Ratio = W (4.87)

2012 US auto insurance premium = $27,850,216

2011 Auto Insurance Complaint Ratio = W (3.94)

2011 US auto insurance premium = $37,057,011

2010 Auto Insurance Complaint Ratio = W (4.63)

2010 US auto insurance premium = $49,309,255

2009 Auto Insurance Complaint Ratio = W (4.03)

Travelers Indemnity Company of America Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (2.22)

2014 US auto insurance premium = $24,175,455

2013 Auto Insurance Complaint Ratio = C+ (.81)

2013 US auto insurance premium = $26,916,768

2012 Auto Insurance Complaint Ratio = W (3.97)

2012 US auto insurance premium = $29,653,783

2011 Auto Insurance Complaint Ratio = W (2.07)

2011 US auto insurance premium = $37,389,864

2010 Auto Insurance Complaint Ratio = W (2.36)

2010 US auto insurance premium = $53,679,945

2009 Auto Insurance Complaint Ratio = C- (1.17)

Travelers Indemnity Company of CT Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.63)

2014 US auto insurance premium = $17,066,308

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $19,973,875

2012 Auto Insurance Complaint Ratio = W (1.98)

2012 US auto insurance premium = $22,803,698

2011 Auto Insurance Complaint Ratio = B (.32)

2011 US auto insurance premium = $26,726,983

2010 Auto Insurance Complaint Ratio = W (1.28)

2010 US auto insurance premium = $33,089,392

2009 Auto Insurance Complaint Ratio = B (.40)

Travelers Personal Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.21)

2014 US auto insurance premium = $51,324,468

2013 Auto Insurance Complaint Ratio = C+ (.93)

2013 US auto insurance premium = $23,360,382

2012 Auto Insurance Complaint Ratio = W (1.32)

2012 US auto insurance premium = $27,366,168

2011 Auto Insurance Complaint Ratio = B (.26)

2011 US auto insurance premium = $33,246,180

2010 Auto Insurance Complaint Ratio = B (.55)

2010 US auto insurance premium = $45,940,026

2009 Auto Insurance Complaint Ratio = B (.49)

Travelers Personal Insurance Company is licensed to operate in Illinois, Missouri, New York and Pennsylvania only.

Travelers Personal Security Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.30)

2014 US auto insurance premium = $108,257,856

2013 Auto Insurance Complaint Ratio = B (.20)

2013 US auto insurance premium = $110,349,122

2012 Auto Insurance Complaint Ratio = B (.30)

2012 US auto insurance premium = $120,928,248

2011 Auto Insurance Complaint Ratio = B (.13)

2011 US auto insurance premium = $127,406,652

2010 Auto Insurance Complaint Ratio = B (.30)

2010 US auto insurance premium = $111,171,665

2009 Auto Insurance Complaint Ratio = B (.18)

Travelers Property Casualty Company of America Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (1.51)

2014 US auto insurance premium = $78,327,525

2013 Auto Insurance Complaint Ratio = C+ (.82)

2013 US auto insurance premium = $92,461,206

2012 Auto Insurance Complaint Ratio = C+ (.85)

2012 US auto insurance premium = $106,850,771

2011 Auto Insurance Complaint Ratio = C+ (.99)

2011 US auto insurance premium = $130,565,032

2010 Auto Insurance Complaint Ratio = W (1.27)

2010 US auto insurance premium = $166,300,031

2009 Auto Insurance Complaint Ratio = B (.74)

Travelers Property Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C+ (.95)

2014 US auto insurance premium = $158,386,105

2013 Auto Insurance Complaint Ratio = W (2.33)

2013 US auto insurance premium = $69,997,280

2012 Auto Insurance Complaint Ratio = C- (1.01)

2012 US auto insurance premium = $71,877,175

2011 Auto Insurance Complaint Ratio = W (1.96)

2011 US auto insurance premium = $83,256,561

2010 Auto Insurance Complaint Ratio = W (1.66)

2010 US auto insurance premium = $86,540,050

2009 Auto Insurance Complaint Ratio = W (1.71)

3. Travelers Home Insurance Complaint Statistics & Ratings

Travelers home insurance complaint record considering all subsidiaries:

Average

Travelers Insurance Group sells home insurance through the nineteen subsidiary companies listed below. Almost all of the Travelers subsidiaries have flat or shrinking US homeowners insurance market share, which may be a sign many of them do not have competitive home insurance rates. Of the subsidiaries, only Travelers Commercial Insurance Company and Travelers Home & Marine Insurance Company have strong home insurance market share growth, possibly due to lower home insurance rates.

Travelers Home & Marine Insurance Company is the Travelers subsidiary with the largest US home insurance market share (about twice as big as the Travelers company with the next largest home insurance market share), and it’s had a large growth in home insurance customers over the last four years, which may mean this Travelers subsidiary is likely to have competitive homeowners insurance rates.

Which Travelers home insurance subsidiaries are available to you may depend on the state in which you live, if you get a quote from the company, or different independent insurance agents, and other factors. You may be eligible for multiple subsidiaries. Each subsidiary has its own rates, so the home insurance price for the same coverage will most likely vary among subsidiary companies.

Here is the home insurance complaint data for each Travelers subsidiary:

Automobile Insurance Company of Hartford, CT Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.59)

2014 US home insurance premium = $323,626,768

2013 Home Insurance Complaint Ratio = B (.42)

2013 US home insurance premium = $338,912,869

2012 Home Insurance Complaint Ratio = B (.54)

2012 US home insurance premium = $344,615,255

2011 Home Insurance Complaint Ratio = B (.51)

2011 US home insurance premium = $349,796,921

2010 Home Insurance Complaint Ratio = B (.64)

2010 US home insurance premium = $359,263,747

2009 Home Insurance Complaint Ratio = B (.46)

Charter Oak Fire Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.37)

2014 US home insurance premium = $122,986,499

2013 Home Insurance Complaint Ratio = B (.33)

2013 US home insurance premium = $132,749,894

2012 Home Insurance Complaint Ratio = B (.12)

2012 US home insurance premium = $136,510,704

2011 Home Insurance Complaint Ratio = B (.35)

2011 US home insurance premium = $140,450,594

2010 Home Insurance Complaint Ratio = B (.37)

2010 US home insurance premium = $148,269,123

2009 Home Insurance Complaint Ratio = B (.40)

Farmington Casualty Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.17)

2014 US home insurance premium = $109,362,133

2013 Home Insurance Complaint Ratio = B (.19)

2013 US home insurance premium = $116,513,693

2012 Home Insurance Complaint Ratio = B (.21)

2012 US home insurance premium = $117,931,741

2011 Home Insurance Complaint Ratio = B (.28)

2011 US home insurance premium = $117,732,818

2010 Home Insurance Complaint Ratio = B (.08)

2010 US home insurance premium = $120,364,769

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Fidelity & Guaranty Insurance Underwriters, Inc. Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.45)

2014 US home insurance premium = $121,851,814

2013 Home Insurance Complaint Ratio = B (.53)

2013 US home insurance premium = $125,237,980

2012 Home Insurance Complaint Ratio = B (.45)

2012 US home insurance premium = $125,136,072

2011 Home Insurance Complaint Ratio = B (.54)

2011 US home insurance premium = $121,061,300

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $116,177,398

2009 Home Insurance Complaint Ratio = No home insurance policies in force

2009 US home insurance premium = $0

First Floridian Auto & Home Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = W (4.01)

2014 US home insurance premium = $22,804,103

2013 Home Insurance Complaint Ratio = W (1.37)

2013 US home insurance premium = $24,184,655

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $25,625,085

2011 Home Insurance Complaint Ratio = B (.29)

2011 US home insurance premium = $28,063,221

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $30,075,311

2009 Home Insurance Complaint Ratio = B (.73)

First Floridian Auto & Home Insurance Company operates in the state of Florida only.

Phoenix Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.38)

2014 US home insurance premium = $95,120,989

2013 Home Insurance Complaint Ratio = B (.40)

2013 US home insurance premium = $110,188,650

2012 Home Insurance Complaint Ratio = C+ (.87)

2012 US home insurance premium = $111,443,283

2011 Home Insurance Complaint Ratio = B (.40)

2011 US home insurance premium = $122,390,375

2010 Home Insurance Complaint Ratio = B (.28)

2010 US home insurance premium = $130,702,978

2009 Home Insurance Complaint Ratio = B (.55)

Standard Fire Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.64)

2014 US home insurance premium = $484,576,934

2013 Home Insurance Complaint Ratio = C+ (.75)

2013 US home insurance premium = $517,429,270

2012 Home Insurance Complaint Ratio = C+ (.79)

2012 US home insurance premium = $567,649,557

2011 Home Insurance Complaint Ratio = B (.55)

2011 US home insurance premium = $591,775,732

2010 Home Insurance Complaint Ratio = C+ (.89)

2010 US home insurance premium = $635,686,605

2009 Home Insurance Complaint Ratio = B (.69)

TRAVCO Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.18)

2014 US home insurance premium = $248,908,047

2013 Home Insurance Complaint Ratio = B (.27)

2013 US home insurance premium = $249,849,646

2012 Home Insurance Complaint Ratio = B (.29)

2012 US home insurance premium = $248,593,886

2011 Home Insurance Complaint Ratio = B (.32)

2011 US home insurance premium = $225,292,705

2010 Home Insurance Complaint Ratio = B (.33)

2010 US home insurance premium = $196,153,481

2009 Home Insurance Complaint Ratio = B (.32)

Travelers Casualty & Surety Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $39,181,202

2013 Home Insurance Complaint Ratio = W (1.87)

2013 US home insurance premium = $35,447,880

2012 Home Insurance Complaint Ratio = B (.36)

2012 US home insurance premium = $45,434,597

2011 Home Insurance Complaint Ratio = W (1.34)

2011 US home insurance premium = $48,197,054

2010 Home Insurance Complaint Ratio = W (1.79)

2010 US home insurance premium = $50,989,135

2009 Home Insurance Complaint Ratio = W (1.38)

Travelers Commercial Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.53)

2014 US home insurance premium = $274,722,277

2013 Home Insurance Complaint Ratio = C+ (.83)

2013 US home insurance premium = $266,309,441

2012 Home Insurance Complaint Ratio = B (.52)

2012 US home insurance premium = $218,333,023

2011 Home Insurance Complaint Ratio = C+ (.77)

2011 US home insurance premium = $222,044,235

2010 Home Insurance Complaint Ratio = B (.64)

2010 US home insurance premium = $185,145,926

2009 Home Insurance Complaint Ratio = B (.74)

Travelers Home & Marine Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.76)

2014 US home insurance premium = $1,051,604,817

2013 Home Insurance Complaint Ratio = C+ (.90)

2013 US home insurance premium = $1,002,545,840

2012 Home Insurance Complaint Ratio = C+ (.95)

2012 US home insurance premium = $987,920,973

2011 Home Insurance Complaint Ratio = B (.74)

2011 US home insurance premium = $919,802,608

2010 Home Insurance Complaint Ratio = C+ (.87)

2010 US home insurance premium = $733,812,296

2009 Home Insurance Complaint Ratio = B (.49)

Travelers Indemnity Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C- (1.24)

2014 US home insurance premium = $37,018,222

2013 Home Insurance Complaint Ratio = B (.74)

2013 US home insurance premium = $44,497,319

2012 Home Insurance Complaint Ratio = W (3.18)

2012 US home insurance premium = $43,388,280

2011 Home Insurance Complaint Ratio = W (1.89)

2011 US home insurance premium = $47,118,791

2010 Home Insurance Complaint Ratio = C- (1.08)

2010 US home insurance premium = $50,624,408

2009 Home Insurance Complaint Ratio = B (.61)

Travelers Indemnity Company of America Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C- (1.13)

2014 US home insurance premium = $56,818,492

2013 Home Insurance Complaint Ratio = C+ (.88)

2013 US home insurance premium = $62,470,128

2012 Home Insurance Complaint Ratio = C+ (.99)

2012 US home insurance premium = $65,748,693

2011 Home Insurance Complaint Ratio = C- (1.18)

2011 US home insurance premium = $68,519,060

2010 Home Insurance Complaint Ratio = W (1.46)

2010 US home insurance premium = $75,305,230

2009 Home Insurance Complaint Ratio = C- (.95)

Travelers Indemnity Company of CT Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $1,722,383

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $3,010,758

2012 Home Insurance Complaint Ratio = W (3.90)

2012 US home insurance premium = $2,080,851

2011 Home Insurance Complaint Ratio = W (7.23)

2011 US home insurance premium = $2,244,759

2010 Home Insurance Complaint Ratio = W (7.70)

2010 US home insurance premium = $2,372,420

2009 Home Insurance Complaint Ratio = W (10.08)

Travelers Lloyds of Texas Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.40)

2014 US home insurance premium = $138,688,146

2013 Home Insurance Complaint Ratio = B (.22)

2013 US home insurance premium = $149,235,259

2012 Home Insurance Complaint Ratio = B (.15)

2012 US home insurance premium = $159,852,328

2011 Home Insurance Complaint Ratio = B (.28)

2011 US home insurance premium = $173,905,203

2010 Home Insurance Complaint Ratio = B (.47)

2010 US home insurance premium = $194,556,401

2009 Home Insurance Complaint Ratio = B (.59)

Travelers Lloyds of Texas Insurance Company operates in the state on Texas only.

Travelers Personal Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $11,542,638

2013 Home Insurance Complaint Ratio = W (1.68)

2013 US home insurance premium = $13,125,279

2012 Home Insurance Complaint Ratio = W (1.58)

2012 US home insurance premium = $15,412,361

2011 Home Insurance Complaint Ratio = B (.48)

2011 US home insurance premium = $16,783,921

2010 Home Insurance Complaint Ratio = W (4.95)

2010 US home insurance premium = $18,450,162

2009 Home Insurance Complaint Ratio = B (.42)

Travelers Personal Insurance Company is licensed to operate in Illinois, Missouri, New York and Pennsylvania only.

Travelers Personal Security Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $59,001,154

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $58,188,632

2012 Home Insurance Complaint Ratio = B (.27)

2012 US home insurance premium = $60,085,702

2011 Home Insurance Complaint Ratio = B (.14)

2011 US home insurance premium = $56,054,400

2010 Home Insurance Complaint Ratio = B (.19)

2010 US home insurance premium = $48,042,899

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Travelers Property Casualty Company of America Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = W (5.52)

2014 US home insurance premium = $16,563,338

2013 Home Insurance Complaint Ratio = W (8.16)

2013 US home insurance premium = $20,291,961

2012 Home Insurance Complaint Ratio = W (3.35)

2012 US home insurance premium = $19,398,624

2011 Home Insurance Complaint Ratio = W (1.95)

2011 US home insurance premium = $20,792,295

2010 Home Insurance Complaint Ratio = W (4.78)

2010 US home insurance premium = $22,943,999

2009 Home Insurance Complaint Ratio = W (1.73)

Travelers Property Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C- (1.22)

2014 US home insurance premium = $89,660,885

2013 Home Insurance Complaint Ratio = W (3.57)

2013 US home insurance premium = $98,874,377

2012 Home Insurance Complaint Ratio = W (2.25)

2012 US home insurance premium = $155,318,423

2011 Home Insurance Complaint Ratio = W (1.77)

2011 US home insurance premium = $169,869,668

2010 Home Insurance Complaint Ratio = W (1.66)

2010 US home insurance premium = $176,147,812

2009 Home Insurance Complaint Ratio = C- (1.17)

4. Travelers Auto & Home Insurance Rates & Pricing Compared to Competitors

Homeowners Insurance Pricing

Travelers received the rating of three power circles (about average) for the category of Homeowners Insurance Pricing in the national 2014 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Hartford, Erie, Mercury, and GEICO.

Auto Insurance Pricing

Travelers received the rating of four power circles (better than most) for the category of Pricing in the 2015 JD Power U.S. Auto Insurance Purchase Experience Study, which reflects the opinion of auto insurance shoppers about the rates they were quoted by Travelers. The following companies also rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2015 JD Power Auto Insurance Purchase Experience Study: Erie, Ameriprise (available through Costco), USAA, The Hartford, California State Auto Association, Amica Mutual, Liberty Mutual, Auto Club Group, & GEICO.

Travelers received the rating of three power circles (about average) in the states of Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study, which reflects the opinion of current Travelers policyholders about the auto insurance rates they pay.

However, Travelers received the lowest rating of two power circles in the states of Alabama, Arkansas, California, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Nebraska, New York, North Carolina, North Dakota, Oklahoma, South Carolina, South Dakota, and Tennessee, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study.

The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the some of the same states where Travelers was rated: USAA, Erie, GEICO, Grange, COUNTRY, Esurance, Wawanesa, Ameriprise, Auto Club of Southern California, Auto-Owners, Indiana Farm Bureau, Shelter, Progressive, PEMCO, Metlife (Florida only).

Remember, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this Travelers Insurance review of its auto & home insurance complaints. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of Travelers auto & home insurance? Did you find this review useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.