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Chubb Homeowners Insurance Review 2024
![Sarah Schlichter](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2020/06/Sarah-Schlichter-headshot-square-160x160.jpg)
Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
![Caitlin Constantine](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2021/09/Caitlin-Constantine-160x160.jpeg)
Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Chubb
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies only offer as extras.
- Large number of discounts.
Cons
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb
5.0
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies only offer as extras.
- Large number of discounts.
Cons
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
About Chubb home insurance
5.0
NerdWallet ratingChubb homeowners insurance earned 5 out of 5 stars for overall performance. The company's policies come standard with high-end features that many other insurers charge extra for. Chubb's very low number of complaints relative to its size and wide array of coverage make it one of the top homeowners insurance policies available. The company caters to owners of high-value homes.
Based on these considerations, Chubb is among NerdWallet's Best Homeowners Insurance Companies for 2024.
Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Where Chubb 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 falls short
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.
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:
Type of coverage | What it does |
---|---|
Pays to repair or rebuild the structure of your home. | |
Covers damage to unattached structures such as sheds or fences. | |
Pays to repair or replace personal belongings such as furniture or clothing. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Covers legal expenses and damages if you're responsible for injuries to other people or their property. | |
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 typically offered by other homeowners insurance carriers. Some of Chubb's standard features, which are often treated as add-ons by other insurers, include:
Extended or guaranteed replacement cost. If you need to repair or rebuild your home but the cost is more than your policy limit, Chubb will pay the difference. (In some states this extra coverage is limited.) Chubb also covers any upgrades needed during rebuilding to bring your home up to current codes.
Replacement value 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.
Water backup. If a sump pump fails or the sewer backs up and your home suffers water damage, Chubb covers the costs. With most companies, this coverage is usually 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).
You may be able to add extra coverage to your Masterpiece policy, including equipment breakdown coverage, which pays out if major appliances fail.
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.)
Consumer experience
Website: Chubb's website can be challenging to use. Most will not be able to get a quote online, but they can get a quote through a local agent. However, the website does provide ample information about policy features and connects you to a large library of educational content.
App: The Chubb app is available on iOS and Android. Users can pay premiums, submit claims and view policy documents, among other basic functions.
Claims: Chubb allows its members to report a claim through the app, via its online portal or by calling 800-252-4670. You can also have your local agent report your claim on your behalf. For advice, see how to file a home insurance claim.
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.
The bottom line
If you own a high-end home and value comprehensive coverage, Chubb may be a good fit.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Current Product
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 5.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more. 4.5 /5 |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected |
Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. More than average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average | Coverage Ratings are based on the types of coverage a company offers in comparison to other insurers. About average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts |
Bottom line Perks and high coverage limits for affluent homeowners. | Bottom line Well-established insurer known for great customer service. | Bottom line Premium coverage for high-end homes with no dog breed restrictions. |
In addition to homeowners insurance, Chubb offers a variety of other insurance products including:
Auto.
Cyber.
Valuables.
Boats and yachts.
Masterpiece is the name of Chubb’s homeowners insurance product. It is more comprehensive than most other companies’ standard policies and comes with liability limits up to $100 million.
Chubb operates in 54 countries and territories around the world, including the U.S., Canada, the U.K. and France.
In addition to homeowners insurance, Chubb offers a variety of other insurance products including:
Auto
.
Cyber.
Valuables.
Boats and yachts.
Masterpiece is the name of Chubb’s homeowners insurance product. It is more comprehensive than most other companies’ standard policies and comes with liability limits up to $100 million.
Chubb operates in 54 countries and territories around the world, including the U.S., Canada, the U.K. and France.
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 2020-2022. 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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