How to Verify the Texas Department of Insurance Rating for Travelers Auto and Home Policies in 2017

Understanding the Rating System

The Texas Department of Insurance (TDI) assigns financial‑strength ratings to insurers based on solvency, claims‑paying ability, and regulatory compliance. These ratings are public records and can differ year‑by‑year, so confirming the 2017 rating for Travelers' auto and home lines requires consulting official sources.

Where to Find the Official Rating

The primary source is the TDI's website. Look for the "Consumer Information" or "Company Search" sections, where historical rating reports are archived. If the 2017 data is not directly listed, the department's "Annual Financial Reports" often include a summary table of all licensed carriers for that year.

Alternative Reliable Sources

Other agencies that publish comparable ratings include the National Association of Insurance Commissioners (NAIC) and independent rating firms such as A.M. Best, Moody's, and Standard & Poor's. While these are not TDI‑specific, they are cross‑referenced in TDI's filings and can corroborate the rating you find.

Steps to Verify the 2017 Rating

• Visit the Texas Department of Insurance website and navigate to the "Company Search" tool.
• Enter "Travelers Insurance" and select the 2017 reporting year.
• Review the displayed financial‑strength rating (e.g., A‑, B+, etc.) for both auto and home lines, noting any distinctions.
• If the rating is missing, download the 2017 Annual Financial Report PDF and locate the "Insurance Company Ratings" table.
• Cross‑check the rating with the NAIC's Consumer Information Database for the same year.

What to Do If Information Is Unavailable

When the online archive does not contain the 2017 rating, contact TDI directly via phone or email. Request the historical rating record for Travelers' auto and home policies. Keep a record of the response, including the date and the official rating cited.

Key Considerations When Interpreting Ratings

Ratings reflect financial health, not policy pricing or coverage quality. A strong rating suggests the insurer can meet claim obligations, but you should also review customer service scores and claim‑handling statistics for a complete picture.

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