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very quick and reliable rates
very quick and reliable rates
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August 15
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Meet Travelers Canada home insurance.

Travelers Canada is a holding company that licenses The Dominion of Canada General Insurance Company, St. Paul Fire and Marine Insurance Company, and Travelers Insurance Company of Canada. It also operates the brand Chieftain Insurance in Ontario, which offers home and auto insurance.

Travelers Canada offers home insurance coverage, which includes Travelers cottage and condo insurance, and coverage for other forms of personal property. Travelers also offers tenant insurance if you happen to be a renter, or you can take advantage of Travelers landlord insurance if you own property and rent it out to others. Travelers guarantees 24/7 claims reporting and a response time of four business hours.

Travelers Canada has its head offices in Toronto and serves customers all across Canada. It has additional offices staffed by 1,700 employees in Dartmouth, Montreal, Ottawa, London, Winnipeg, Edmonton, Calgary, and Vancouver.

The Travelers brand has been operating in Canada since 1988, and, through a series of acquisitions beginning in 2009, has expanded its presence. That year, it merged with the St. Paul Fire and Marine Insurance Company, which had been operating independently since 1928. In 2013 it purchased Dominion Insurance, previously one of Canada’s largest insurers.

Is Travelers Canada home insurance right for you? Compare its products and services with its competitors within 3 minutes on LowestRates.ca to find out. Once you have your online quote, a broker selling Travelers home insurance will get in touch.

How consumers review Travelers Canada home insurance.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region
Western region
 

How to get the cheapest Travelers home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your Travelers home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The Travelers Canada property insurance advantage.

How to save money on homeowners insurance with Travelers Canada

The most efficient thing you can do to get a better deal on Travelers house insurance is comparison shop. When you use LowestRates.ca, you can obtain a quote for Travelers home insurance based on your information and needs.

Beyond getting a quote, Travelers Canada house insurance offers a variety of discounts, based on the circumstances of the home and customer being insured. See which ones you could qualify for:

  • Homeowner age: If you are 45 or older you could qualify for a home insurance discount.
  • Safety equipment: Travelers Canada offers discounts for customers who have installed approved alarm systems in their homes.
  • Non-smoking households: Due to the decreased risk of fire, if you can prove your home is smoke-free you could qualify for this discount on your Travelers home insurance policy.
  • Newer home discount: If the home you are insuring is less than 20 years old, you could save with Travelers Canada.
  • Claims-free discount: For those customers who have not filed a claim on their home insurance in three or more years, even more discounts are available.
  • Combination discounts: Travelers Canada offers discounts to customers who insure more than one property with them, as well as those who combine home and auto insurance.

Special programs

Travelers Canada also offers optional extensions based on your particular needs.

  • Home warranty claims - Warranties on new homes (e.g., homes that are seven years old or newer) are mandatory in B.C., Alberta, Manitoba, Ontario and Quebec. If there is a defect the builder is responsible for, Travelers Canada will help you file a home warranty claim to get the problem fixed at no additional cost.
  • Seasonal residences - Vacation homes, vacation trailers, cottages, timeshares, and other types of seasonal residences are insured by Travelers Canada.
  • Rental property insurance - Travelers also insures rental properties, as well as rental spaces on the same physical real estate as your home.
  • Chieftain Insurance - Chieftain Insurance is a brand owned by Travelers that only operates in Ontario. It offers basic home, condo, and auto insurance. Chieftain says it will pay the full cost of rebuilding your home in the event of a loss, regardless of the coverage limit. It also offers insurance of up to 300% of the estimated replacement cost.

What endorsements can I get with Travelers home insurance?

Water Backup and Sump Pump Discharge or Overflow

This is additional home insurance coverage from Travelers for water-related damage not covered by your base policy.

Jewelry and Valuable Items

While these are personal contents, they’re typically only covered up to a certain amount. If you have jewelry and other valuable items, such as artwork, that exceed your personal contents coverage limit, you can purchase extra coverage for these items.

Identity Fraud

This endorsement can offer up to $25,000 of coverage for expenses related to identity theft.

These are just a few of the endorsements that Travelers home insurance offers. Be sure to ask your broker or insurance agent for more information.

Is there an app?

Travelers Canada Home Insurance does not have an app at this time, but their auto insurance arm has one to assist in making and verifying claims.

How to submit a home insurance claim with Travelers Canada

Travelers Canada offers a five-step process to guide customers through the claim submission process: reporting, activating, adjusting, settlement, closure.

After you contact your broker and Travelers Canada home insurance about your claim, a claims adjuster will call you to verify all your details and will send you a claim letter that walks you through their claims process along with any forms you may need to complete. The claims adjuster may recommend repair providers during this stage of the process. During the settlement stage, you may receive a cheque issued to you or to a recommended repair provider — depending on the circumstances of your particular claim.

For additional customer service from Travelers home insurance, see below:

Travelers Home Insurance Phone Number: 1-800-661-5522 anywhere in Canada. In the event of a home insurance emergency, the Travelers assistance line is operational 24 hours a day, 365 days a year.

Travelers Home Insurance Email: newclaims@travelers.com

Hours of availability: Travelers Canada’s claim service is operational 24/7. Travelers guarantees a response within “four business hours.”

What else does Travelers Canada do?

Travelers Canada offers a variety of insurance to both individuals and businesses and offers discounts to customers who combine home and auto insurance, as well as those customers who insure multiple properties with them.

Individuals:

  • Car
  • Boat
  • Group Insurance

Businesses:

  • Commercial Insurance
  • Management
  • Professional Liability
  • Surety
Lisa Coxon

Lisa Coxon

About the Author

Lisa is an Editor and Writer for LowestRates.ca. Her work has appeared in Reader’s Digest, Toronto Life, Canadian Living and TVO. As a child, she diligently hoarded the $50 bills that fell out of her Christmas cards. Adult Lisa is working hard to resurrect those stockpiling tendencies.

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