You Spoke, We Listened – Now It Is Easier to Write High Value Home Customers with Travelers

Travelers recognizes the need to make it easier for you to get things done. From our people to our technology and processes, we are committed to continually improving our service.• Agent binding authority – up to $1.5 million for Home and

up to $2 million for Umbrella.• Experienced underwriters who understand and efficiently

underwrite the complexities associated with High Value Home customers.

• Created helpful content packed with business information and tips.

• Enhanced ease of doing business with Travelers Click for Umbrella – now, up to $2 million on new business! We also offer a range of Umbrella limits from $1 million to $10 million.

• Auto coverage for vehicles with cost new up to $250,000.• Personal Articles Floater available to schedule jewelry,

fine arts, etc.• Enhanced pricing and underwriting for Personal Watercraft.

The Opportunity

Today, Travelers is a leading provider of auto, home and other personal lines products. We see enormous opportunity to work with you to expand your affluent home book that includes customers with Coverage A limits ranging from $500,000 to $2.5 million and up. (Please note coverage availability varies by state. For details, contact your Travelers representative).

The affluent market has grown in size and income.* With this growth, comes opportunity for you to attract and retain more affluent customers.

• Affluent customers have unique insurance needs due to their exposure to risk and to the types of assets they own. Typically, they need more coverage for their more complex risk exposures.

• Other carriers do not always have the additional products and expertise affluent personal lines customers need. Independent agents do.

• Affluent customers tend to stick around and need a number of other insurance products, generating more revenue for your agency.

Travelers is considering more enhancements for the affluent customer. And we are not stopping there… stay tuned!

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*Pew Research Study, 2015

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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183

*A.M. Best’s rating of A++ applies to certain insurance subsidiaries of Travelers that are members of the Travelers Insurance Companies pool; other subsidiaries are included in another rating pool or are separately rated. For a listing of companies rated by A.M. Best and other rating services visit travelers.com. Ratings listed herein are current, are used with permission, and are subject to changes by the rating services. For the latest rating, access ambest.com.

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.

© 2017 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. PL-17924-E New 3-17

Travelers High Value Home Product

High value home customers demand specialized coverage from a leading company and Travelers High Value Home insurance is the answer. This product is designed to help protect the unique features and fine furnishings of distinctive homes, providing these homeowners with the tailored coverages they need and the exceptional Claim service they expect.

Specialized High Value Home Product• Higher limits for items such as jewelry, furs and silverware

if stolen or lost.• Cash Settlement Option up to the Coverage A limit in the event

of a total loss and the homeowner decides not to build.• Additional replacement cost on dwelling at 100 percent of the

dwelling limit.• $50,000 in Loss Assessment coverage. • Increased Loss of Use coverage. Pays the necessary increase in

living expenses required to maintain a family’s current standard of living when a residence cannot be lived in because of an insured loss.

• Personal Injury protection.• Coverage for electronic data restoration and identity fraud.• Coverage for water back-up of sewage and drains.

Travelers Exceptional Claim Service• Experienced Claim professionals• Rapid response • Easy contact

Long Term Financial Stability• Rated A++ by A.M. Best* for financial strength• Member of the Dow 30 • Fortune 500 company• Added peace of mind

To learn more, contact your Travelers Personal Insurance Sales Executive.