Travellers work with the industry’s most qualified and trusted individuals, and an independent insurance agent is your advocate focused on safeguarding what’s essential to you. An expert agent will examine your circumstances, answer your concerns, guide you along your journey, and propose the best combination of coverage to help safeguard all that is essential to you and your family. When you hire a Travelers independent agent, you receive a trustworthy insurance counsellor and an advocate for your requirements.
- Car Insurance
What Exactly Is Car Insurance?
Automobile insurance can help protect you from the costs of motor accidents and other forms of losses, such as car theft. Your auto insurance policy is a contract in which you pay a certain sum to your insurance provider in return for the coverage you choose.
What Is the Purpose of Car Insurance?
If you are in an accident, you may incur costs for auto repairs, property damage, medical bills, lost pay, and other expenditures. Without the necessary coverages, you may be forced to pay such fees on your own.
What Does Automobile Insurance Cover?
In most places, liability insurance is needed. When you are found to be at fault for an accident, this coverage pays for someone else’s bodily injury or property damage. Other coverages may also be available to assist cover the expenses of damage to you or your vehicle. Discuss various coverage choices with your insurance provider to acquire the most comprehensive protection for your specific needs.
Most states mandate liability coverage, which covers both bodily injury and property damage liability coverage. This coverage compensates you for injuries to others as well as damage to another person’s property if you cause an accident. If you are judged to be at fault for causing damages as a consequence of an accident, this coverage may pay up to the maximum you choose, and it may offer legal defence if you are sued.
Roadside assistance is a type of coverage that you may add to your automobile insurance policy to aid you if you become stuck due to an unforeseen automotive problem, such as a dead car battery. These unexpected events can occur whether you are at work, out running errands, or even at home.
Gap insurance, also known as loan/lease insurance, can assist protect you if you finance or lease your car. If your car is declared a complete loss, this coverage may reimburse the difference between the vehicle’s real cash worth and the unpaid balance of the auto loan or lease.
Ways to Save Money on Auto Insurance
Purchasing several policies, such as auto and house insurance with the same provider, having a clean driving record, and paying by electronic fund transfer may all be strategies to save money on car insurance.
Bundling various insurance plans might result in lower premiums. For example, you might save up to 13% on Travelers vehicle insurance if you also buy Travelers home/condo insurance and other insurance plans.
Bundling multiple insurance policies can result in premium discounts. For example, you could save up to 13% on your Travelers car insurance when you also purchase your home/condo insurance and other insurance policies from Travelers.
Safe Driver Discount
Driving safely should be rewarded. With our cautious driver discount, you might save money if you haven’t had any accidents, infractions, or big comprehensive claims in the last three to five years.
Policyholders with drivers who are fully enrolled in high school or college and who are good students with a “B” average or higher may be eligible for a car insurance discount.
What is Home Insurance?
Homeowners insurance can assist protect you in the event of an emergency. It can assist pay repairs or replacement, interim lodging, legal expenses, and other costs if your house is destroyed, your valuables are stolen, or someone is wounded on your property.
Why Do I Need a Homeowners Insurance Policy?
A homeowners policy is suggested for anybody who owns a house or apartment, and your mortgage lender may even demand one. Separate coverage is required to safeguard your house and personal items from damage caused by floods or earthquakes. If the unexpected occurs, house insurance can assist you in resuming your usual life.
What Does Homeowners Insurance Cover?
- The structure of your home
- Other structures on your property (e.g. garage, shed)
- Your personal belongings
- Additional living expenses if you cannot live in your home due to a covered loss
- Your personal liability or legal fees
- Limited valuable items (extra coverage can usually be added)
Be sure to explore options to customize your limits and coverages to meet your needs. Your homeowners’ insurance policy includes coverages in the following categories to help ensure your home and assets are appropriately protected.
If your home is destroyed by a covered cause of loss, dwelling coverage might assist pay to restore or replace it. The following are some instances of hazards that may be covered:
- House fires
- Severe weather
- Damage from plumbing or appliance leaks
- Vandalism/theft
Personal property coverage can compensate you for personal goods in your house that are damaged or destroyed as a result of a covered cause of loss, which may include:
- Your furniture
- Clothes
- Sporting goods
- Electronics
If you or a family member in your home is liable for inflicting physical harm or property damage to others, liability coverage can assist protect you in the case of a claim and offer a defence in the event of a lawsuit.
How to Save Money on Homeowners Insurance
You might save money on your home insurance by taking advantage of multi-policy and loss-free discounts. You can also save money if your house has qualifying smart home technology, security, and fire protection equipment. When looking for homeowners insurance coverage to fit your specific needs, there are numerous insurance discounts to consider. Consider the following options for lowering your house insurance costs.
When you have three policies with Travelers, you may save up to 12% on house insurance. Automobiles, umbrellas, boats, and personal goods floaters are examples of them.
You can save by having devices such as:
- Automatic water shut-off systems
- Smoke detectors and fire alarms
- Interior sprinkler systems
- Home security systems
- Smart or connected home technology that alerts you when a fire, water or burglar event is occurring
You can save up to 10% when you shop early for your policy, depending on how far in advance you shop.
Condo insurance
A condo insurance quotation may be obtained in as little as a few minutes. Personal liability coverage is included in condo insurance and might give coverage if someone is injured while visiting. It can also cover your personal belongings, including as furniture and gadgets. Even if your condo association has insurance, you may still require condo insurance to protect your personal property and liability.
As a condo owner, you may have unique demands for your building and your specific unit. While your condo association may carry insurance, only condo insurance normally covers your personal property and personal liabilities. There are several methods to save money on condo insurance, ranging from your claim history to your building’s particular security measures. Get answers to your condo insurance issues, such as how to secure important objects and how to save money by bundling numerous insurance policies.
This liability coverage may extend beyond your auto and house insurance policy to protect you from unforeseen incidents.
Get protection that will offer you peace of mind on the road. Knowing that you, your passengers, and your vessel are safe might allow you to unwind and enjoy your time on the water.
Workers Compensation
Workers compensation insurance can protect both you and your employees in the event of a work-related accident or sickness. Workers compensation covers medical expenses, lost earnings, and other benefits for employees. For the employer, workers compensation gives piece of mind by preventing costly civil action and assisting injured employees in recovering and returning to work.
Our skilled specialists collaborate to get wounded employees back on the road to recovery by providing flexible solutions, timely service, and cutting-edge innovations. See how our workers’ compensation solutions can help your company.
Travelers is a market leader and the leading provider of workers’ compensation insurance in the United States. Our knowledgeable and collaborative teams seek to treat every customer as our most important customer, from the little business to the huge multi-state enterprise. With the nation’s biggest and most responsive workers compensation carrier’s flexible options, rapid service, and cutting-edge innovation, you can let Travelers work to your benefit, allowing both healthy people and businesses. We assist employers in facilitating safe work conditions, lowering claim expenses, and providing injured employees with access to care and return to work.
Small Business Insurance Products and Solutions
It may have started as a pastime or as a risky professional move. You created your company for a cause and made a substantial investment. Business insurance protects your investment from the financial consequences of unanticipated occurrences like as employee accident, a lawsuit, a natural disaster, or a man-made calamity. In addition, the proper insurance company can give insights and recommendations to help you manage risks and avoid claims. As a result, making wise decisions about your business insurance may have a big influence on the overall health of your company.
