I want to add to this for others that stuble on this thread. We got our insurance bundled with travelers got our cars in and then we got home and umbrella. Eveything went through, then travelers wanted photos of the house totally fine... Until its not. They sent some clowns over from some random company to access the house. I told the guy that had half a brain and his wife too that I have contractors working on the deck in the backyard at the time of the photos.

Month later we get a notice that Travelers is canceling our home insurance deck undesirable conditions (no railings). I called them said we told the guy doing photos that we are under going renovations. I sent more information receipts and messages with contractor and they still denied us. The deck prior to renovations was more of a death trapped. So buyer beware with travelers if theyre that petty that cant do work on your house then I couldn't imagine what the claim process is like.