We lost our home in the fire in Paradise 11/18. Travelers is the only insurance with major losses who won't pay 75% contents without itemization, a request made by the CA insurance commissioner : http://www.insurance.ca.gov/0400-news/0100-press-releases/2018/release152-18.cfm Somehow the commissioner forgot to put them on the list as paying less than 75% (their name is not listed at all on 12/26). I have been assured that they will be on the updated list. This needs to be made public so people are aware of differences in insurers. In a total loss, travelers will pay hundreds of thousands less than other major insurers.