Chubb home insurance review: Ideal for high-value homes

Chubb home insurance is designed for luxury properties, offering premier coverage options, cash-out claim settlements, and complimentary private wildfire defense services.

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Kara McGinleySenior Editor & Licensed Home Insurance ExpertKara McGinley is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Forbes Advisor, Kiplinger, Lifehacker, MSN,, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at and a content strategist at


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Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).



Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).






The bottom line

Chubb home insurance is ideal for high-value properties, offering robust policy add-ons like replacement cost coverage for your home and belongings, advanced digital tools, and a personalized loss-settlement process if you need to file a claim. It’s an especially great option if you live in an area that's at high risk for wildfire damage — offering complimentary wildfire defense services.

Chubb home insurance policies also include complimentary home inspections using its HomeScan technology to detect potential issues going on behind your home’s walls or ceilings. This top-of-the-line technology and complimentary service make Chubb one of the best insurers for homeowners with valuable assets. 


  • Extended replacement cost coverage

  • Cash-out claim settlements

  • Complimentary wildfire and hurricane mitigation services


  • Only insures high-value homes

  • Below-average J.D. Power customer satisfaction ratings

Basic coverages offered

Chubb home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to rebuild your home and its attached structures after a covered loss

  • Other structures coverage: Pays to rebuild detached structures, like a pool house or gazebo, after a covered loss.

  • Personal property coverage: Pays to replace or repair damaged belongings after a covered loss.

  • Loss of use coverage: Pays for hotel stays, restaurant meals, and more if you temporarily need to live elsewhere while your home is being rebuilt after a covered loss.

  • Personal liability coverage: Pays for legal fees or medical expenses if a guest is injured or their property is damaged and you’re found legally responsible.

  • Medical payments coverage: Pays for more minor medical fees if a guest is injured in your home, regardless of who was at fault.

Additional coverages offered

You may be able to add these additional coverages to your Chubb homeowners insurance policy for even more protection:

  • Extended replacement cost coverage: Pays to rebuild your home back to its former state even if the cost exceeds your dwelling coverage limit.

  • Replacement cost contents coverage: Replaces your belongings with new ones without factoring in depreciation or wear and tear. 

  • Water backup coverage: Pays for water damage caused by sump pump, drainage, or sewer backups — this is typically excluded from standard home insurance coverage.

  • Equipment breakdown coverageOffers up to $500,000 in coverage to repair or replace AC systems, appliances, personal computers, and other equipment that break down due to mechanical or electrical failure.

  • Blanket and scheduled personal property coverage: Offers higher blanket personal property coverage limits than standard home insurance policies, as well as the option to schedule coverage for specific items like jewelry, artwork, wine collections, and more to ensure your belongings are fully protected.

  • Property manager services: Pays for a professional to visit your seasonal or second home if a hurricane or windstorm is approaching to mitigate the damage or make temporary repairs. 

  • Wildfire defense services: Pays for professionals to advise you on mitigating your home’s wildfire risk and pays for private firefighter services.

  • Identity management services: Pays for identity theft recovery and replacing stolen documents. 

  • HomeScan: Pays for high-tech home inspections to help detect potential issues in your home.

  • Cyber-bullying insurance: Covers counseling and added security measures if your child is the victim of a cyberbully or is the one doing the bullying.

  • Flood insurance: Get up to $15 million in coverage for your home and belongings through a Chubb private flood insurance policy.

  • Personal umbrella insurance: Provides up to $100 million in additional liability protection for expensive medical or legal bills you’re found legally responsible for. 

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

Ratings methodology



Chubb does well on our price rating scale thanks to its slew of smart home, security, and multi-policy discounts it offers homeowners. This score doesn’t factor in the average cost of a Chubb homeowners insurance policy, since it varies so widely depending on the home’s rebuild value, location, features, and more.

Customer experience


Chubb earns a respectable score on our customer experience rating scale. While it scores below average for overall customer satisfaction on a 2022 J.D. Power survey, it had fewer complaints than other home insurance companies in 2021, according to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report. 

Coverage options


Chubb scores slightly above-average on our coverage options rating scale thanks to its high policy limits and array of coverage add-ons, including wildfire and hurricane mitigation services, extended replacement cost coverage, private flood insurance with up to $15 million in coverage, personal umbrella insurance up to $100 million, and more. 

Financial strength


Chubb scores highest on our financial strength rating scale due to its superior rating of A++ from AM Best — the highest score available — and solid AA rating from Standard and Poor's. 

How much does Chubb home insurance cost?

Because Chubb is designed for high-value properties, rates vary widely based on where your home is located, its rebuild value, custom features and fixtures, and the wealth of unique artwork, jewelry, and other high-value assets you have to insure. 

Compare home insurance quotes with Chubb & other top insurers

What discounts does Chubb offer?

You can save on the cost of Chubb home insurance if you qualify for any of these smart home, security, or multi-policy discounts.

Smart home and security discounts

  • New or renovated home: If your home is newer or recently renovated.

  • Residential sprinkler system: If you have an internal fire sprinkler system. 

  • Central station burglar alarm: If your home has a central burglar alarm installed with 24/7 monitored cameras.

  • Central station fire alarm: If your home has a central fire alarm system installed.

  • Gated community and gated community patrol: If you live in a gated community — and land an even larger discount if it has 24/7 patrol service.

  • Fire resistive: If you took steps to mitigate your home’s fire risk.

  • Water leak detection system: Only applies if it closes the master plumbing valve and either activates the central station or direct alarm.

  • Gas leak detector: If your home contains a gas leak detector that has 24/7 monitoring.

  • Backup generator: If you have a backup generator that’s permanently installed.

  • Lightning protection system: If your home has a lightning protection system.

Multi-policy discounts

  • Home and auto: If you bundle your home and auto policies with Chubb.

  • Home and valuable articles: If you purchase valuable articles coverage along with your Chubb home insurance policy.

Chubb home insurance state availability

Chubb offers home insurance policies in all states and Washington D.C.

What to expect with Chubb home insurance

  • How to get a quote: You can get a Chubb home insurance quote online through Policygenius or by reaching out to a Chubb agent through their website. 

  • Customer service options: You can get in touch with a Chubb customer service rep by emailing, calling 1-866-324-8222, or by logging in to its online portal.

  • How to file a claim: You can file a claim through Chubb’s online portal or by calling 1-800-252-4670.

  • How to cancel your policy: You can fill out a notice of cancellation on Chubb’s website and email it to

Chubb vs. other home insurance companies

Here's how Chubb stands up to other luxury home insurance companies on the market. 


Policygenius rating

AM Best rating






PURE Insurance




Cincinnati Insurance












Frequently asked questions

What is Chubb insurance known for?

Chubb is the ninth largest homeowners insurance company in the country, making up 2.68% of the market share. Chubb is also known as a premier carrier thanks to its enhanced coverage options for homeowners living in high-risk areas. The insurer offers complimentary services to help mitigate weather risk, like wildfires and hurricanes, and offers discounts if you fortify your home against such risks.

What insurance companies are comparable to Chubb?

Chubb is comparable to other luxury insurance carriers, like AIG and Nationwide Private Client.

Does Chubb write homeowners insurance in Florida?

Yes, Chubb writes homeowners insurance in Florida, but coverage may depend on the type of home you have, your claims history, and where your home is located.


Kara McGinley is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Forbes Advisor, Kiplinger, Lifehacker, MSN,, and elsewhere.


Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at and a content strategist at

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