Travelers Home Insurance in Arkansas: How Quantum Home 2.0 Is Built, Level by Level
A product-level breakdown from Cribb Insurance Group — an independent agency in Bentonville appointed with Travelers and 40+ other carriers.
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 coverage levels — Travelers Protect, Protect Plus, or Protect Premier — then add optional packages such as Enhanced Water or Decreasing Deductible. Cribb Insurance Group places Travelers as an independent agency in Bentonville.
How the Travelers Homeowners Policy Is Structured
Travelers writes its homeowners book on a platform called Quantum Home 2.0, which covers dwelling, condo, tenant and landlord policies. The dwelling program is the one that applies to most Northwest Arkansas homeowners, and it is assembled in three deliberate steps rather than sold as fixed tiers.
What follows describes the Quantum Home 2.0 program as Travelers publishes it. Coverage levels, package contents and limits are subject to state availability and to underwriting — not every option below is offered on every home. We confirm what's actually available on your address when we quote it.
Step 1 — Scale
Set the Coverage A limit to the cost of rebuilding the home, then scale Coverage B through F up or down against it. This is the step that does the most work on Arkansas homes, because Coverage B and C aren't locked to fixed percentages.
Step 2 — Strengthen
Add one of two bundled packages — the Additional Coverage Package or the Premier Additional Coverage Package — which group commonly-added endorsements together. Many of the same endorsements can also be added individually.
Step 3 — Supplement
Layer on specialty packages and standalone endorsements: Enhanced Water, Roof and Siding Matching, Buried Utility Lines and Equipment Breakdown, Decreasing Deductible and Loss Forgiveness, Enhanced Security.
The three coverage levels
Every Quantum Home 2.0 dwelling policy is written at one of three levels. The level does not change what perils are covered — it changes the special limits of liability, meaning the internal sub-limits that apply to specific categories of personal property, and several additional coverages.
Travelers Protect®
The base level. Special limits sit at the lowest of the three — jewelry theft at $1,500, firearms at $1,500, business property at $3,000 on premises.
Travelers Protect Plus®
The middle level. Roughly doubles most special limits — jewelry theft to $3,000, firearms to $5,000, credit card and forgery coverage jumps to $10,000.
Travelers Protect Premier®
The top level. Jewelry theft $5,000, silverware and firearms $10,000, business property $15,000 on premises. Travelers pairs this level with the Premier Additional Coverage Package for higher-value homes.
Full level-by-level limits are in the comparison table below. 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 the theft-only sub-limits shown here.
Coverage A–F: What Each Part Does and How Far It Scales
Quantum Home 2.0's defining structural feature is that 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 for each.
| 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 | — |
Source: Travelers Quantum Home 2.0 dwelling coverage comparison chart. Limits and availability vary by state and are subject to underwriting. [[VERIFY AR]]
Where the scaling actually matters here
Coverage B scaling from 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%.
Coverage E tops out at $500,000. In Arkansas — an at-fault tort state — that is the ceiling before a personal umbrella becomes the only way to add liability limit.
The Coverage A question that matters most
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, and a home insured to its purchase price is frequently underinsured against a total loss.
Travelers offers Additional Replacement Cost Protection at 25%, 50% or 100% of Coverage A, depending on which package is added. That is the buffer against a rebuild coming in over the insured limit.
Coverage Levels, Packages and Endorsements
Special limits by coverage level
These are the sub-limits that separate Travelers Protect, Protect Plus and Protect Premier. Read this table 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 |
Source: Travelers Quantum Home 2.0 dwelling coverage comparison chart. Not all features are available in all states. Limits subject to change and to underwriting. [[VERIFY AR]]
The two bundled packages
Step 2 offers a choice between two packages. 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 |
*Available only as part of a package. Source: Travelers Quantum Home 2.0 dwelling coverage comparison chart. State availability varies. [[VERIFY AR]]
Specialty packages
Enhanced Water Package
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. The hidden-seepage piece addresses slow leaks inside walls, ceilings or under floors — a common denial on unendorsed policies.
Roof and Siding Matching Package
Matching of Undamaged Roof Surfacing: $10,000 or $20,000
Matching of Undamaged Siding: $10,000 or $20,000
Pays toward replacing undamaged roofing or siding so repairs match. In a hail market where a claim often damages one slope, this is the difference between a patched roof and a uniform one.
Buried Utility Lines and Equipment Breakdown
Buried Utility Lines: $10,000 or $20,000
Equipment Breakdown: $50,000
Buried lines covers damage from freezing, wear and tear and corrosion. Equipment breakdown covers mechanical or electrical failure of appliances and systems — furnaces, water heaters, HVAC.
Decreasing Deductible and Loss Forgiveness
Decreasing Deductible: $100 credit banked each year, applied to the deductible at a loss. The credit is earned at renewal even if there has been a claim, and unused credit banks forward.
Loss Forgiveness: helps avoid a rate increase tied to one loss every five years.
Enhanced Security Package
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.
Individually available endorsements
Home-Sharing Coverage — for short-term rental activity, which a standard homeowners policy does not contemplate.
Refrigerated Property Coverage
Roof Systems Payment Schedule for Windstorm or Hail Losses — see the Arkansas section below.
How Arkansas Conditions Shape This Policy
Roof settlement and the payment schedule
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. This is not the same thing as actual cash value, and it is the single most consequential term on an Arkansas homeowners policy.
Quantum Home 2.0 carries a named endorsement that addresses this directly: the Roof Systems Payment Schedule for Windstorm or Hail Losses. Travelers lists it 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 is 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.
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.
Why the matching package reads differently here
Roof and siding matching is a modest endorsement in most of the country. In a hail market it is not. 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 the rest of the house.
Discounts Available 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 |
Source: Travelers Quantum Home 2.0 agent materials. Savings vary by state, policy type and individual risk characteristics. Discounts are subject to eligibility and availability, and individual savings will vary. Savings are not guaranteed. The multi-policy figure is a countrywide dwelling average based on insuring auto and three other policies — not an Arkansas figure and not a figure specific to any household. [[VERIFY AR]]
How a Travelers Home Claim Works
Catastrophe response
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 Northwest Arkansas, 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.
What our agency does
You can report a Travelers claim directly, but 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 last part is 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.
Loss Consultation — before you file
Travelers runs a pre-claim service called Loss Consultation, available to Personal Insurance customers who have had a loss but aren't sure whether to file. A loss consultant reviews the policy with you, talks through the details of what happened, and helps you decide. If you choose to file, they take the claim on the spot.
Travelers lists the questions people most often bring to it: Is this covered? What is my deductible? Should I file a claim?
800.252.4633 — the Travelers Personal Insurance line. Loss Consultation runs Monday–Friday, 8 a.m.–6 p.m. EST, and calls outside those hours get a callback the next business day. (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.
Financial strength
A.M. Best affirmed a Financial Strength Rating of A++ (Superior) with a stable outlook for the main subsidiaries of The Travelers Companies — collectively the Travelers Group — on August 8, 2025. A++ is the highest rating on A.M. Best's scale.
The rating applies to the main pool subsidiaries rather than to every Travelers affiliate; individual affiliates are rated separately. Ratings are subject to change — the current rating is always at ambest.com.
Financial strength matters for a practical reason in Arkansas: mortgage lenders generally require a carrier rated A- or better. A++ clears that floor with room to spare.
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.
You can also call us at (479) 286-1066. Reporting to Travelers directly is faster, but if you want someone to read the policy with you first — or you're not sure a claim is the right move at all — start with us.
What Homeowners Coverage Costs in Northwest Arkansas
For a typical five-year-old, $400,000 Northwest Arkansas home, bundled homeowners premiums placed through our agency generally land between $1,362 and $2,250 per year. Where a specific home falls in that range depends on roof age and material, the Coverage A limit, deductible structure, claims history, which coverage level and packages are selected, and rating factors permitted under Arkansas law.
Figures reflect policies placed by Cribb Insurance Group across our markets and represent bundled homeowners premiums for the described profile. They are not a quote, are not specific to Travelers, and are not a guarantee of rate. Individual premiums vary by risk characteristics, carrier and underwriting.
Other Lines Travelers Writes Through Our Agency
Travelers Home Insurance 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.
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 / $10,000 across the three levels. Business property on premises runs $3,000 / $10,000 / $15,000.
Does Travelers cover water backup in Arkansas?
Water backup is excluded from a standard homeowners policy. 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. Package availability varies by state — 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/hail deductible is a percentage of Coverage A and your roof is old enough to fall 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 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 0–7, then a scheduled percentage from year 7 forward based on roof age. That is distinct from actual cash value, and it is the term that most often surprises people after a hail claim. Travelers offers a named endorsement covering this: the Roof Systems Payment Schedule for Windstorm or Hail Losses. 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 elsewhere.
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.
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. As an independent agency appointed with 40+ carriers, we quote Travelers alongside our other markets and place the coverage that fits the home.
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Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. Travelers, the Travelers Umbrella logo, Quantum Home 2.0, Travelers Protect, Travelers Protect Plus and Travelers Protect Premier are trademarks of The Travelers Indemnity Company and its affiliates. This page is authored independently by Cribb Insurance Group and is not written, reviewed, sponsored or endorsed by Travelers. 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, limits, packages, 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, and not all available features are listed. Only the issued policy determines actual terms and conditions of coverage. Nothing on this page is an offer of insurance or a guarantee of coverage or rate.