How to Cancel Travelers Insurance in 2026 (Auto, Home & Umbrella Policies)
Updated 2026-02-26 · 7 min read
⚠️ Agent-Only Cancellation
Travelers Insurance sells exclusively through independent agents. You cannot cancel online or through the Travelers website. You must contact your insurance agent or call Travelers directly at 1-800-842-5075. This makes canceling slightly more involved than direct-to-consumer insurers like GEICO or Progressive.
Step 1: Secure New Coverage
Before canceling any insurance policy:
Get quotes from 3+ insurers — try GEICO, Progressive, State Farm, and USAA (if eligible)
Set your new policy start date to match your Travelers cancellation date
Keep proof of new coverage — you'll need the new policy number and declaration page
For homeowner's insurance: Notify your mortgage lender of the switch — they need to update escrow
Step 2: Contact Your Agent
Find your agent's contact info on your policy documents or at travelers.com → Find an Agent
Call or email your agent requesting cancellation
Provide: your policy number, desired cancellation date, and new insurer details
Your agent may ask you to sign a cancellation request form — this is standard
Request written confirmation of the cancellation effective date
Step 3: Call Travelers Directly (Alternative)
If you can't reach your agent or prefer to handle it directly:
Call 1-800-842-5075 (Mon-Fri 8am-8pm ET)
Tell them: "I want to cancel my policy effective [date]"
Have your policy number and new coverage details ready
Ask for a cancellation confirmation email or letter
Confirm refund details — when and how you'll receive the prorated credit
Refund Information
Prorated refund: Travelers refunds unused premium based on the remaining days in your policy term
Paid in full: Expect a refund check within 10-15 business days
Monthly billing: Final payment adjusted to cover only the days used
Short-rate vs. prorated: Most Travelers cancellations are prorated (favorable to you). Check your policy — some specialty coverages use short-rate calculations that keep a larger portion
Escrow refunds: Homeowner's refunds may go to your mortgage company if they paid the premium
Canceling Specific Travelers Products
Auto insurance: Cancel through your agent or call 1-800-842-5075. Ensure your new auto policy is active before the Travelers policy ends
Homeowner's insurance: Notify your mortgage lender. They may require proof of replacement coverage within a specific timeframe or they'll place force-placed insurance (very expensive)
Umbrella policy: Usually tied to underlying auto/home policies — cancel after securing replacement umbrella coverage
Condo insurance: Same process as homeowner's. Check if your HOA requires minimum coverage levels
Valuable items (jewelry, art): Inland marine policies can be canceled independently
Business insurance: Contact your commercial lines agent — business policies have different requirements
💡 Keep Your Agent Relationship
Independent agents work with multiple insurance companies. Instead of canceling and doing all the comparison shopping yourself, ask your agent: "Can you re-shop my policies across your carrier portfolio?" They might find you a better rate with a different company — and handle all the paperwork. This is literally their job and they earn commission from the new carrier, so it costs you nothing.
Savings Tips Before You Cancel
Bundle discount: Combining auto + home with one insurer typically saves 10-25%
Increase deductibles: Raising your home deductible from $1,000 to $2,500 can save 15-20%
Review coverage limits: You might be over-insured — does your auto policy have more coverage than your car is worth?
Claims-free discount: If you haven't filed claims, make sure that discount is applied
Home improvements: New roof, updated electrical, or security systems can lower home insurance
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