Assessing the Situation

They say you can't judge the insurance needs of a home owner by the type of house he or she lives in. (Okay, so maybe only we say that.) The point is, everyone's state of affairs is different. We're not going to write you a homeowner's—or auto insurance policy, for that matter—without first fully assessing your coverage needs up front. Just installed a new security system? Along with decreasing break-in risk, that can result in lower rates. So, too, can having a shiny new hybrid car parked in the driveway. (Our innovative new hybrid car discount is the first of its kind to acknowledge hybrid vehicle owners.)

Recognizing that every situation is unique, digging deeper to better understand your level of risk and keeping you abreast of important changes that can affect your world, such as rising property values, are just a few ways in which Travelers offers products and solutions that are in-synch with your life—which again, may be a world apart from that identical-looking brick colonial across the street, save for the flock of plastic pink flamingos out front. Anticipating Change

We're not oracles. You won't find any crystal balls atop any of our agents' desks. Yet, we can predict with absolute certainty that, at some point, your circumstances will change, impacting your insurance needs.

At Travelers, we never stop working with you to help identify situations that might give rise to risks, so you can be better prepared to mange them. From being the first insurance company to issue auto, flight and even space-craft insurance (could the first moon-colony homeowner's policy be far behind?), finding new ways to protect you and your family is something we've been committed to for the past 140 years.

By taking a more proactive approach that recognizes insurance needs to be as dynamic as life itself, we're uniquely positioned to help you better prepare for scenarios that are life-changing, like your sixteen year-old getting his or her license—or just house-changing, like adding a new deck or acquiring an expensive piece of art. Either way, you get the picture. Servicing Claims Quickly

At Travelers, we take an active approach to insurance, working to identify changes needed to keep insurance fresh and up-to-date with your life. Fantastic. Super. Now let's talk about what's really important. What "in-synch" means, come claim time.

Whether you've been involved in a fender bender or your house was just hit by lightning, the sooner you can get your life back to normal, the better. That's why Travelers is committed to providing outstanding customer service and fast, fair claims processing. It's why we created our new ConciergeClaim^SM, an optional one-stop, super-convenient guaranteed auto repair service that combines top-quality repair centers with onsite Travelers appraisers who can help manage the entire process for you, from start to finish.

For property claims, we have superior claim professionals across the country readily available and qualified to handle the most complex losses. Professionals who understand the trauma caused by catastrophe and the need to turn things around quickly and sensitively.

Prompt, reliable assistance. A thorough understanding of your options. Reduced hassle. Providing you with a higher level of service isn't something we came up with by accident, so to speak.