Chubb Homeowners Insurance Review 2025
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Coverage options
Discounts
NAIC complaints
Chubb
Coverage options
Discounts
NAIC complaints
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About Chubb home insurance
Chubb homeowners insurance earned 5 out of 5 stars for overall performance.
Chubb caters to owners of high-value homes. The company's policies come standard with high-end features that many other insurers charge extra for. Chubb's wide array of coverage and very low number of complaints relative to its size make it one of the top homeowners insurance companies in the industry.
Based on these considerations, Chubb is among NerdWallet's Best Homeowners Insurance Companies for 2025.
How Chubb home insurance stacks up
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies offer only as extras.
Large number of potential discounts.
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Where Chubb home insurance stands out
Generous coverage. Chubb’s Masterpiece policy includes extended replacement cost coverage for your home, plus additional coverage other companies charge extra for.
Useful perks. With programs like HomeScan and Wildfire Defense Services, Chubb aims to help protect your home from claims before they happen.
Where Chubb home insurance falls short
No online quotes. You’ll generally have to call an agent to get a quote and buy your policy.
State availability
Chubb homeowners insurance is available in all 50 states and Washington, D.C.
Standard Chubb home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Chubb's Masterpiece home insurance goes beyond the coverage other carriers typically offer. Some of Chubb's standard features, which are often treated as add-ons by other insurers, include:
Extended replacement cost coverage. If you need to repair or rebuild your home but the cost is more than your policy limit, Chubb will pay a certain amount extra to help make up the difference. Chubb also covers any upgrades needed during rebuilding to bring your home up to current construction codes.
Replacement cost coverage for contents. Chubb will pay what it costs to buy new belongings if yours are damaged. Most standard policies will only give you the actual cash value of the items, which accounts for depreciation. Learn about actual cash value vs. replacement cost.
Water backup coverage. If a sump pump fails or the sewer backs up and your home suffers water damage, Chubb covers the costs. With many companies, this coverage is optional and carries a separate fee.
The Masterpiece policy also includes:
A complimentary visit from a risk consultant to assess your home for potential issues.
Chubb's HomeScan system, which uses infrared technology to analyze your home for leaks, insulation problems and electrical malfunctions before they can cause damage.
Chubb Wildfire Defense Services to protect your home if it’s threatened by wildfire (not available in all states).
Identity management services to prevent or recover from identity theft (available in some states).
Optional Chubb home insurance coverage
You may be able to add the following extra coverage to your Masterpiece policy:
Equipment breakdown coverage, which pays out if major appliances fail.
Flood insurance for damage due to tidal surge, heavy rain or other flooding.
Earthquake insurance for damage from earth movement.
What's not covered
Standard Chubb homeowners insurance policies don’t cover damage due to:
Flooding.
Earthquakes.
Lack of maintenance.
As noted above, optional coverage is available for some of these scenarios.
Discounts
Many of Chubb's homeowners discounts focus on safety. In addition to discounts for having burglar or fire alarms, Chubb offers lower premiums if your home contains a sprinkler system or is otherwise fire resistant. Discounts may also be available for installing a smart leak detector that turns off your water supply if it senses a leak.
In addition, you can save if your home is new or was recently renovated, and living in a gated community will also get you a price break. Other discounts may be available as well, depending on where you live.
Consumer complaints
Chubb had significantly fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Digital experience
Chubb's website doesn’t provide online quotes, but it lets you look up a local agent who can help. It also provides ample information about policy features and connects you to a large library of educational content.
The Chubb app is available on iOS and Android. Users can pay premiums, submit claims and view policy documents, among other basic functions.
How to file a claim with Chubb
Chubb allows policyholders to report a claim through the app, via its online portal or by calling 800-252-4670. You can also have your local agent submit a claim on your behalf. For advice, see how to file a home insurance claim.
How to contact Chubb customer service
To speak to Chubb customer services you can call 866-324-8222. You can also email [email protected] or chat with customer service via the Chubb Mobile app.
Other home insurance companies to consider
Here’s how Chubb stacks up against other popular insurance companies.
Insurer | NerdWallet star rating | Policy highlight |
|---|---|---|
Generous coverage for high-end homes. | ||
Customizable coverage with a "Prestige" offering for higher-value homes. | ||
Policies may include coverage to bring your home up to current building codes after a claim. | ||
Includes guaranteed replacement cost coverage for the structure of your home. | ||
Extended dwelling coverage included with standard policies. |
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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