In This Review: Our Take | Pros and Cons | Cost and Discounts | Coverage | State Availability | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

Your home is important to you, so it’s only natural that you want to protect it. Unforeseen disasters like fire or lightning, or crimes like vandalism and theft, can leave your home and its continents vulnerable.

In order to rest easier at night, consider purchasing a home insurance policy. These insurance protections safeguard your most significant investment in these events, protecting you from paying what could be staggering costs out-of-pocket.

Unfortunately, not all home insurance providers are of the same caliber. They can differ in terms of coverage, customer service, availability, and more. The This Old House Reviews Team has done some of the research for you, creating this in-depth Chubb home insurance review to help you determine if this provider is the best fit for your home.

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Our Take

Chubb offers an impressive array of home insurance protections under Chubb Masterpiece. This primary policy offers all of the industry-standard protections alongside some coverage types, like extended replacement cost coverage, that are usually treated as endorsements by most other home insurance providers we’ve reviewed. We gave the company an overall score of 91.37 for home insurance coverage. The provider lost some points due to the fact that it doesn’t have 24/7 customer service and prospective customers cannot request a quote online.

On its Better Business Bureau profile, common complaints cite unexpected denial of claims. Positive reviews note high levels of professionalism.



Pros and Cons

Compare the advantages and disadvantages of Chubb homeowners insurance.

✔ Extensive coverage + included “endorsements”
✔ Cash settlement option
✔ Available nationwide

✘ High premiums
✘ Only for high-net-worth properties
✘ No quick online quote process



How Much Does Chubb Home Insurance Cost?

The exact cost of Chubb homeowners insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more. Chubb’s premiums are higher than average, as Chubb Masterpiece is geared toward higher-value homes.


Chubb offers a wide range of discounts to help lower the cost of your homeowners insurance coverage.

Chubb Home Insurance Discounts

Multi-policyDiscount for bundling your Chubb insurance policies
Claim-freeDiscount for not filing a claim for three or more years
New or renovated homeDiscounts for newly renovated and newly built homes
No mortgageDiscount if you have already paid off your mortgage
Superior protectionDiscount for having a security system, sprinkler system, fire alarm, 24/7 security guard, or full-time caretaker
Backup generatorDiscount if you have a permanently installed backup generator
Gated communityDiscount if you live within a gated community




Chubb offers all industry-standard protections in its Chubb Masterpiece policy, plus some protections that are only available through other home insurance providers as optional add-ons.

Chubb Home Insurance Coverage

Dwelling + other structuresCovers your home’s interior and exterior structure, as well as detached structures like a shed or garage
Personal propertyCovers personal property inside and outside the home in case of covered loss, including furniture, clothes, appliances, and electronics
Loss of use/Additional living expensesCovers the costs associated with temporarily living outside of your home due to covered damage or destruction, including accommodations and dining
Personal liabilityCovers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical payments coverageCovers the medical expenses of a guest injured at your home, regardless of fault
Extended replacement cost coverageCovers the cost to repair and rebuild your home to its original state (even if the amount exceeds your policy’s specified amount)
Replacement cost contents coverageCovers the cost to replace your contents at their original value
Cash settlementAllows you to accept a cash payment instead of paying to repair or rebuild your home in the event of a total loss
Home appraisalsComplimentary appraisals to help determine risk
Chubb Wildfire Defense ServicesProvides services that assist with wildfire threats, like assessments and sending firefighters to your home if needed

Additional coverage options include the following.

Chubb Home Insurance Coverage Options

EarthquakeCovers cost to repair damage caused by earthquakes
FloodCovers cost to repair damage caused by floods
Family protectionCovers cost of psychiatric services and medical expenses for policyholders and family members following covered traumatic events
Cyber insuranceCovers cost of cyber financial loss, cyber extortion, and cyber personal protection
Tree removalCovers cost of removing damaged trees
LandscapingCovers cost of restoring landscaping
Debris removalCovers cost to remove debris in the event of a covered loss
Electronic dataCovers cost of restoring electronic data



State Availability

Chubb home insurance is available in all 50 states. Click on your state in the list below to compare Chubb against the top providers in your area:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming



Reviews of Chubb Home Insurance

Chubb has multiple pages with the Better Business Bureau, with each profile devoted to a different location. None of the pages are accredited by the Better Business Bureau, and ratings range from A+ on the primary profile to D-. Few reviews are available, and they are scattered across the pages.

Cindy J. said:

“I have spoken with a very nice agent and he gave me an awesome single rate that is just hard to believe and of course I’m going to research all about y’all.”

Lisa G. said:

“They have the worst customer service. The claim process is an absolute nightmare. I’ve uploaded the requested claim forms three different times. It’s like they don’t want to pay. They have zero trouble taking my premiums out of my account, though.”



Our Conclusion

Chubb offers a broad range of home insurance coverage, including all industry-standard protections and key elements like extended replacement cost coverage that is only offered as an endorsement by other companies. Chubb Masterpiece’s cash settlement coverage is a rare find as well. However, all of these perks are only available at a high premium and to high-net-worth individuals. In addition, prospective customers cannot request a quote online. For these reasons, we score Chubb home insurance 91.37 out of 100.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area:

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Chubb Home Insurance vs. The Competition

See how Chubb stacks up against some of its top competitors on key metrics.

Chubb Home Insurance vs Competitors

Get a QuoteNot available through This Old HouseVisit SiteNot available through This Old House
Our score91.3783.5096.60
State Availability5023*47 (not available in AK, FL, or HI)
BBB RatingA+**B+A+
Years in Business1385113
24/7 Claims Service by PhoneX
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

**Represents main page; ratings on other pages varied



Company Information

  • Company name: Chubb
  • Company type: Public
  • CEO: Evan G. Greenburg
  • Year founded: 1882
  • Headquarters: 150 Allen Rd, Ste. 203, Basking Ridge, NJ 07920
  • State availability: 50
  • BBB rating: A



Frequently Asked Questions about Chubb



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at