A policy scaled to your house. Not sold to you in a tier.
Travelers builds Quantum Home 2.0 in three steps — scale the limits to your home, pick one of three coverage levels, then add the packages your house actually needs. Here's every level, every limit, every package, and what a hail market does to the decision.
The short answer
Travelers writes homeowners coverage through Quantum Home 2.0, built in three steps: scale Coverage A–F limits to the home, choose one of three levels — Travelers Protect, Protect Plus or Protect Premier — then add optional packages such as Enhanced Water or Roof and Siding Matching. Cribb Insurance Group places Travelers as an independent agency in Bentonville.
Three steps, and the middle one is yours.
Most homeowners policies are a fixed tier with a price attached. Quantum Home 2.0 is assembled — which is why an agent is worth having, and why a Gravette property with a barn and a Bentonville house on a small lot don't end up with the same policy.
Scale
Set Coverage A to the cost of rebuilding the home, then scale Coverage B through F against it. Coverage B runs 1%–100% of Coverage A rather than a locked percentage — this is the step that does the most work on Arkansas homes.
Strengthen
Add the Additional Coverage Package or the Premier Additional Coverage Package, which bundle commonly-added endorsements. Many of the same endorsements can also be added individually if you'd rather pick.
Supplement
Layer on the specialty packages: Enhanced Water, Roof and Siding Matching, Buried Utility Lines and Equipment Breakdown, Decreasing Deductible and Loss Forgiveness, Enhanced Security.
Coverage A is set on rebuild cost — materials and labor in this market — not market value and not the mortgage balance. Those numbers have diverged sharply across Northwest Arkansas. Travelers offers Additional Replacement Cost Protection at 25%, 50% or 100% of Coverage A depending on the package. That's the buffer when a rebuild comes in over the limit.
Three more that earn their keep here.
Roof and Siding Matching. $10,000 or $20,000 each. A modest endorsement in most of the country. In a hail market it's the difference between a patched roof and a uniform one — see the Arkansas section below.
Decreasing Deductible. $100 credit banked every year, applied to your deductible at a loss. The credit is earned at renewal even if there's been a claim, and unused credit banks forward. Paired with Loss Forgiveness, which helps avoid a rate increase tied to one loss every five years.
Equipment Breakdown at $50,000, plus Buried Utility Lines at $10,000 or $20,000 covering damage from freezing, wear and tear and corrosion. The furnace, the water heater, the HVAC — the things that aren't damaged by a peril, they just stop.
What each part does, and how far it scales.
Quantum Home 2.0's defining structural feature: Coverage B, C and D are expressed as ranges against Coverage A rather than fixed percentages. Travelers publishes both the range and a common limit.
| Coverage | What it insures | Range | Common limit |
|---|---|---|---|
| A — Dwelling | Cost to repair, replace or rebuild the house and attached structures | Set to rebuild cost | — |
| B — Other Structures | Detached garage, shed, fence, barn, pool | 1%–100% of Coverage A | 10% of Coverage A |
| C — Personal Property | Contents of the home | 25%–100% of Coverage A | 50% of Coverage A |
| D — Loss of Use | Additional living expense while the home is uninhabitable | 0%–100% of Coverage A | 20% of Coverage A |
| E — Personal Liability | Bodily injury or property damage you're legally liable for | $100,000 / $300,000 / $500,000 | — |
| F — Medical Payments to Others | Guest medical bills, regardless of fault | $1,000 / $2,000 / $5,000 / $10,000 | — |
Where the scaling actually matters here.
Coverage B running 1% to 100% is not a trivial range. A Bentonville home on a small lot with no outbuildings is paying for detached-structure coverage it will never use at a fixed 10%. A property in Gravette or Pea Ridge with a shop, a barn and fencing can be badly underinsured at that same 10%.
That single dial is most of the argument for this product — and most of the argument for having someone turn it deliberately rather than accepting the default. It's the first thing we look at on an Arkansas home.
Protect, Protect Plus, Protect Premier.
The level doesn't change which perils are covered. It changes the special limits of liability — the internal sub-limits on specific categories of personal property — and several additional coverages. Read the rows for the categories you actually own.
| Special limit | Protect | Protect Plus | Protect Premier |
|---|---|---|---|
| Special Limits of Liability | |||
| Money, bank notes, coins, stored value cards | $250 | $1,000 | $2,000 |
| Securities, accounts, passports, tickets, stamps | $1,500 | $3,500 | $5,000 |
| Comic books and trading cards | $1,000 | $2,500 | $5,000 |
| Collectibles, figurines, glassware, porcelains, statuary | $1,000 | $2,500 | $5,000 |
| Theft of jewelry, watches, precious stones | $1,500 | $3,000 | $5,000 |
| Theft of furs | $1,500 | $3,000 | $5,000 |
| Theft of silverware, goldware, pewterware | $1,500 | $5,000 | $10,000 |
| Theft of firearms and related equipment | $1,500 | $5,000 | $10,000 |
| Theft of tools and their accessories | $1,500 | $2,500 | $5,000 |
| Theft of rugs, tapestries, wall hangings | $1,500 | $2,500 | $5,000 |
| Business property on / away from premises | $3,000 / $1,500 | $10,000 / $5,000 | $15,000 / $5,000 |
| Trailers or semitrailers not used for watercraft | $1,500 | $3,500 | $5,000 |
| Motor vehicle parts not attached to a vehicle | $500 | $1,000 | $2,500 |
| Electronic apparatus in a vehicle or watercraft | $1,500 | $3,500 | $5,000 |
| Property Additional Coverages | |||
| Fire Department Service Charge | $500 | $1,000 | $2,500 |
| Credit card, fund transfer, forgery, counterfeit money | $1,000 | $10,000 | $10,000 |
| Personal Records and Data Replacement | $1,500 | $3,500 | $5,000 |
| Liability Additional Coverages | |||
| Damage to Property of Others | $1,000 | $5,000 | $10,000 |
If you own something worth more than the row says.
The fix is usually one of two things: move up a level, or schedule the items. Scheduling is frequently the better answer — scheduled items are typically covered on a broader basis than the theft-only sub-limits in the table above, which cover theft and not much else.
That's a five-minute conversation that decides whether your wife's rings are actually insured. Bring the appraisals; we'll tell you which route is right.
Step 2, side by side.
The Premier package includes everything in the Additional Coverage Package, generally at higher limits, plus coverages the base package doesn't carry at all.
| Coverage | Additional Coverage Package | Premier Additional Coverage Package |
|---|---|---|
| Additional Replacement Cost Protection | 25% or 50% of Coverage A | 100% of Coverage A |
| Special Personal Property Coverage (All Risk) | Included | Included |
| Personal Property Replacement Cost Loss Settlement | Included | Included |
| Loss Assessment Coverage | $5,000 – $50,000 | $50,000 |
| Refrigerated Property Coverage | $500 | $5,000 |
| Personal Injury Coverage | Included | Included |
| Replacement Cost Loss Settlement, certain non-building structures | Not included | Included |
| Identity Fraud Expense Reimbursement | Not included | $25,000 |
| Lock Replacement* | Not included | $1,000 |
| Reward Coverage* | Not included | $2,500 |
| Business Records and Data Replacement* | Not included | $15,000 on / $5,000 away |
| Land Stabilization* | Not included | $10,000 |
| Home Settlement Benefit* | Not included | Included |
| Ordinance or Law (10% of Coverage A in base policy) | No increase | 100% of Coverage A |
| Debris Removal (5% of covered damaged property limit in base policy) | No increase | 100% of covered damaged property limit |
| Tree Removal ($1,000 max / $500 per tree in base policy) | No increase | $1,500 max / $1,500 per tree |
| Trees, Shrubs and Other Plants (5% of Coverage A max / $500 per item in base policy) | No increase | 10% of Coverage A max / $1,000 per item |
The exclusion everyone has
Water Back Up and Sump Discharge or Overflow: $5,000–$50,000. Limited Hidden Water or Steam Seepage or Leakage: $5,000–$20,000. Water backup is excluded from a standard homeowners policy — on any carrier. The hidden-seepage piece addresses slow leaks inside walls, ceilings or under floors, which is a common denial on unendorsed policies.
Built for this market
Matching of undamaged roof surfacing: $10,000 or $20,000. Matching of undamaged siding: $10,000 or $20,000. Pays toward replacing undamaged material so repairs match. In a hail market where a claim often damages one slope, that's the whole difference.
If you skipped Premier
Identity Fraud Expense Reimbursement $25,000. Lock Replacement $500. Reward Coverage $1,000. Personal Records and Data Replacement $5,000. Relevant if you haven't taken the Premier Additional Coverage Package, which carries its own identity fraud limit.
Also available individually
Home-Sharing Coverage — for short-term rental activity, which a standard homeowners policy does not contemplate. Northwest Arkansas has a real short-term rental market, so this one comes up more here than the brochure would suggest.
Refrigerated Property Coverage. And the Roof Systems Payment Schedule for Windstorm or Hail Losses — see the Arkansas section next, because that one deserves its own conversation.
What this market does to the decision.
Three things about insuring a house here that have nothing to do with which carrier you pick — and everything to do with how the policy gets built.
The roof term is the most consequential line on an Arkansas policy
Arkansas homeowners policies commonly settle aged roofs on an agreed payment schedule rather than at full replacement cost: replacement cost typically applies through roughly years 0–7, and from year 7 forward a scheduled percentage applies based on roof age. That is not the same thing as actual cash value, and the distinction matters at claim time.
This is a market-wide practice here, not one carrier's quirk. Quantum Home 2.0 carries a named endorsement addressing it directly — the Roof Systems Payment Schedule for Windstorm or Hail Losses, listed as individually available, separate from the bundled packages.
Whether that endorsement is on your policy, and what the schedule actually says, is the first thing to check on any Arkansas home with a roof past its early years. It's also the first thing we check when we review a policy you already have somewhere else. Ask us to read yours.
Wind and hail deductibles
Northwest Arkansas sits in an active hail corridor, and separate percentage-based wind/hail deductibles are common here — expressed as a percentage of Coverage A rather than a flat dollar figure. On a $400,000 home, the gap between a flat deductible and a percentage deductible can run into thousands of dollars at claim time.
Two policies quoted at similar premiums can carry very different wind/hail deductibles, and the cheaper one is often cheaper for exactly that reason. We show you the deductible structure alongside the premium rather than behind it.
Coverage E is available to $500,000 — and that's the number that decides the umbrella.
Arkansas is an at-fault tort state. If you're responsible for an injury, you're responsible for the damages — the policy pays up to its limit, and the rest follows you. So the personal liability limit on a homeowners policy isn't a line item; it's the one number that decides how exposed your household is.
Quantum Home 2.0 offers Coverage E at $100,000, $300,000 or $500,000. $500,000 is a real amount of liability protection and it's worth knowing precisely, because it's the point where the conversation turns to a personal umbrella — which adds $1M to $5M above your home, auto and boat limits at once, and discounts the policies underneath it.
We'll tell you which side of that decision your household is on. That's a ten-minute conversation, and it's ours to start.
Credit-based insurance scoring
Arkansas permits credit-based insurance scoring in homeowners rating under Ark. Code Ann. § 23-67-401 et seq., subject to statutory limits. An insurer may not use credit as the sole basis for declining, cancelling or non-renewing a policy, and consumers may request reconsideration following certain extraordinary life events.
Insurers that use an insurance score weigh it differently from one another — one reason the same home prices very differently across carriers, and one reason quoting across several markets is worth doing.
What Travelers publishes on Quantum Home 2.0.
| Discount | What Travelers publishes |
|---|---|
| Good Payer | Up to 15% |
| Multi-Policy | 12% on average |
| Early Quote | Up to 10% |
| Loss-Free | Up to 10% |
| Smart-Home Protective Device | For security devices that send alerts to a mobile device |
| Water Sensor | Available |
| Water Shut-Off Devices | Available |
| Green Home | Available |
After the storm.
Catastrophe professionals deployable within 24 hours.
Travelers states that after a major weather event it has catastrophe response professionals available for deployment within 24 hours. For a hail-exposed market like this one — where a single storm generates claims across three counties at once — deployment speed is the variable that decides whether a claim is handled in weeks or months.
It's the least visible thing on this page and one of the most valuable.
Loss Consultation — the call before the claim
Travelers runs a pre-claim service for Personal Insurance customers who've had a loss but aren't sure whether to file. A loss consultant reviews the policy with you, talks through what happened, and helps you decide. If you choose to file, they take the claim on the spot.
The questions Travelers says people bring to it: Is this covered? What's my deductible? Should I file a claim?
800.252.4633 — Monday–Friday, 8 a.m.–6 p.m. EST, with a callback the next business day outside those hours. (Claims reporting on the same number is 24/7 — the business hours apply to the consultation service, not to filing.) Have the date and details of the loss, any photos, receipts or reports, and your policy number.
Why that service matters in a hail market.
After a Northwest Arkansas hail storm, the hard question usually isn't how to file — it's whether to. If your wind/hail deductible is a percentage of Coverage A and your roof is old enough to sit on a payment schedule, the settlement can land below your deductible. Filing anyway gets you nothing and puts a loss on your record.
That's the exact call Loss Consultation exists to help you make. It's also a call you can make with us — we'll read your policy against the damage before anything gets reported.
Reporting a claim
Travelers takes home and personal property claims by phone or online, 24 hours a day, 365 days a year:
- Phone — 1.800.252.4633. The same Personal Insurance line that handles Loss Consultation. After a Saturday night hail storm, you don't wait until Monday.
- Online — travelers.com/claims/file-claim/individual, through your MyTravelers® account or without logging in.
- Mobile — the MyTravelers® app, which also handles document uploads and claim status.
Once a claim is open, Travelers claim professionals are available Monday–Friday, 8 a.m.–5 p.m. local time for questions on it.
Financial strength
On August 8, 2025, AM Best affirmed a Financial Strength Rating of A++ (Superior) with a stable outlook for the main subsidiaries of The Travelers Companies. A++ is the highest rating on AM Best's scale. There's a practical reason it matters on a house: mortgage lenders generally require a carrier rated A- or better. A++ clears that floor with room to spare.
The rating applies to the main pool subsidiaries rather than to every Travelers affiliate; individual affiliates are rated separately. Ratings change — the current one is always at ambest.com. And a rating is a solvency opinion, not a claims opinion: AM Best says so plainly.
What our agency does.
You can report a Travelers claim directly, and you don't have to do it alone. We help document the loss, read the settlement against the policy you actually bought — including which coverage level and which packages are on it — and push back when a settlement doesn't reflect the endorsements you paid for.
That's the reason the tables above exist on this page. A homeowner who doesn't know they carry Roof and Siding Matching won't ask for it.
What we won't claim: we don't adjust your claim and we can't overrule an adjuster. What we can do is make sure the coverage that should respond gets identified, tell you whether a claim is worth filing at all, and move you to another of our markets if Travelers stops fitting the house. That last one is the part a captive agent structurally cannot do.
A planning range, not a quote.
For a typical five-year-old, $400,000 Northwest Arkansas home, bundled homeowners premiums placed through our agency generally land in this range. Where a specific home falls depends on roof age and material, the Coverage A limit, deductible structure, claims history, which coverage level and packages are selected, and the rating factors Arkansas permits.
These are agency figures, not a quote, not specific to Travelers, and not a guarantee of rate. Individual premiums vary by risk characteristics, carrier and underwriting.
The other lines Travelers writes through us.
Travelers home in Arkansas: common questions.
What is Travelers Quantum Home 2.0?
Quantum Home 2.0 is the platform Travelers writes its homeowners, condo, tenant and landlord policies on. For a dwelling policy it works in three steps: scale Coverage A–F limits to the home, choose a coverage level — Travelers Protect, Protect Plus or Protect Premier — then add optional packages and endorsements such as Enhanced Water, Roof and Siding Matching, or Decreasing Deductible.
The three-step build is the point: it means the policy gets shaped around your house rather than sold to you in a fixed tier. Availability of levels, packages and endorsements varies by state and is subject to underwriting; we confirm what's available on your address when we quote it.
What is the difference between Travelers Protect, Protect Plus and Protect Premier?
The level changes the special limits of liability — the internal sub-limits on specific categories of property — not which perils are covered. Theft of jewelry, watches and precious stones is limited to $1,500 at Travelers Protect, $3,000 at Protect Plus and $5,000 at Protect Premier. Firearms and silverware run $1,500, $5,000 and $10,000 across the three levels. Business property on premises runs $3,000, $10,000 and $15,000.
If you own jewelry, firearms, silverware or collectibles worth more than the special limit at your level, the fix is usually either moving up a level or scheduling the items — and scheduling is frequently the better answer, because scheduled items are typically covered on a broader basis than these theft-only sub-limits.
How much personal liability coverage can I get on a Travelers home policy?
Coverage E, your personal liability, is available at $100,000, $300,000 or $500,000. That $500,000 figure is worth knowing precisely, because it's the number that decides whether your household wants a personal umbrella.
Arkansas is an at-fault state: if you're responsible for an injury, you're responsible for the damages, and the policy pays up to its limit — the rest follows you. A personal umbrella adds $1 million to $5 million above the home, auto and boat limits at once, and it discounts the policies underneath it. We'll tell you which side of that decision your household is on.
Does Travelers cover water backup in Arkansas?
Water backup is excluded from a standard homeowners policy — on any carrier. Travelers offers it through the Enhanced Water Package, which carries Water Back Up and Sump Discharge or Overflow Coverage at $5,000 to $50,000, and Limited Hidden Water or Steam Seepage or Leakage Coverage at $5,000 to $20,000.
That second one addresses slow leaks inside walls, ceilings or under floors, which is a common denial on unendorsed policies. Package availability varies by state and is subject to underwriting; we confirm what's available on your specific Arkansas home at quote.
Should I file a hail claim on my Travelers home policy?
Not always — and that decision is worth making before you report anything. If your wind and hail deductible is a percentage of Coverage A and your roof is old enough to sit on a payment schedule, the settlement can come in below your deductible, which means filing gets you nothing and still puts a loss on your record.
Travelers offers a pre-claim service called Loss Consultation for exactly this question: a consultant reviews your policy, discusses the loss and helps you decide, then takes the claim on the spot if you choose to file. Call 800.252.4633, Monday–Friday 8 a.m.–6 p.m. EST. You can also call us at (479) 286-1066 and we'll read the policy against the damage first.
How does Travelers handle roof claims on an older roof in Arkansas?
Arkansas homeowners policies commonly apply an agreed payment schedule to aged roofs — replacement cost through roughly years 0 to 7, then a scheduled percentage from year 7 forward based on roof age. That's distinct from actual cash value, and it's the term that most often surprises people after a hail claim. It's also a market-wide practice here rather than one carrier's quirk.
Travelers offers a named endorsement addressing it: the Roof Systems Payment Schedule for Windstorm or Hail Losses, listed as individually available. Whether it applies to a specific policy, and what the schedule says, is something we confirm at quote — on your Travelers policy or on the policy you already have somewhere else.
What does the Roof and Siding Matching Package do?
It pays toward replacing undamaged roofing or siding so that repairs match the rest of the house — $10,000 or $20,000 for roof surfacing, and $10,000 or $20,000 for siding.
In most of the country this is a modest endorsement. In a hail market it isn't. A hail claim frequently damages one slope or one elevation, and without matching coverage the settlement pays to repair only what was hit, leaving a roof or a wall that doesn't match. Northwest Arkansas sits in an active hail corridor, which is why this package reads differently here than it does in the brochure.
Does Travelers use credit to rate home insurance in Arkansas?
Arkansas permits credit-based insurance scoring in homeowners rating under Ark. Code Ann. § 23-67-401 et seq., within statutory limits. Credit cannot be the sole basis for declining, cancelling or non-renewing a policy, and consumers may request reconsideration after certain extraordinary life events.
Insurers that use an insurance score weigh it differently from one another, which is one reason the same home can price very differently across carriers — and one reason quoting a home across several markets is worth doing. Statements about Arkansas law are general information, not legal advice.
How do I get a Travelers home insurance quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. If you have a current declarations page, send it — we'll tell you which coverage level and packages you're actually on, and what your wind and hail deductible really is.
As an independent agency appointed with 40+ carriers, we quote Travelers alongside our other markets and place the coverage that fits the home, including when that's not Travelers.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas homeowners can find our local explanations.
Which level and packages does your house actually need?
That's the whole job of an independent agent. We'll look at your rebuild cost, your roof, your outbuildings and what you own, then build the Travelers policy around it — and quote it against our other markets so you can see the difference. Send us your current declarations page and we'll start by telling you what you've already got.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Travelers, and this page is not written, reviewed, endorsed, sponsored or approved by Travelers. "Travelers," the Travelers Umbrella logo, "Quantum Home 2.0," "Travelers Protect," "Travelers Protect Plus," "Travelers Protect Premier" and "MyTravelers" are trademarks of The Travelers Indemnity Company and its affiliates, used here nominatively to identify a carrier we represent. Travelers policies placed by this agency are issued by Travelers affiliates.
Coverage descriptions and limits shown are general summaries drawn from Travelers product materials and are not a contract. All statements are subject to the provisions, exclusions and conditions of the applicable policy. Coverages, levels, packages, endorsements, limits, discounts and other features are subject to individual insureds meeting Travelers' underwriting qualifications and to state availability; not all features are available in all areas, not all available features are listed, and limits are subject to change. Only the issued policy determines actual terms and conditions of coverage. If anything on this page conflicts with the issued policy, the policy controls. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.
Discounts are subject to eligibility and availability; individual savings vary and are not guaranteed. The multi-policy figure shown is a countrywide dwelling average based on insuring auto and three other policies; it is not an Arkansas figure and not a figure specific to any household. Cost figures reflect bundled homeowners policies placed through Cribb Insurance Group across our markets for the profile described and are not a quote, not carrier-specific, and not a guarantee of your rate.
Statements about Arkansas law and about Arkansas market practice, including roof payment schedules and wind and hail deductible structures, are general information, not legal advice, and do not describe the terms of any particular policy. Whether any endorsement described applies to a specific policy is determined by that policy.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A++ rating described applies to the main pool subsidiaries of The Travelers Companies rather than to every Travelers affiliate.
Last reviewed July 2026.