Chubb Home Insurance Review

By Policy Scout
Updated Jul 8, 2022
Why trust our opinion?

Our content follows strict guidelines for editorial accuracy and integrity. Learn about our and how we make money.

Chubb Home Insurance Review


Chubb is a premier insurance carrier that protects your home, belongings, and physical assets through its home insurance plan. The top-of-the-line provider offers coverage with a hefty price — their policies are geared toward homeowners with high-end valuables and expensive homes. If your home and valuables are higher-end, Chubb may be the home insurance provider for you. Even if your home doesn’t fall into this category, you may want to consider this provider if you live in a wildfire zone or in an area where you may experience hurricanes or other natural disasters where you are at a risk for a total loss. If you live in a high-risk zone, Chubb may be worth the added cost.

PolicyScout Review

Although Chubb is certainly one of the most expensive home insurance providers in the market, they do offer incentives and discounts for their policyholders. And given the large menu of discounts provided, customers who qualify for these savings may end up saving enough to mitigate the high base prices of Chubb’s policies.

Along with its premier offerings, Chubb’s financial strength is “superior,” according to ratings by A.M. Best. This is good news because it indicates the insurer is in a good position to pay claims.


  • Deductible is waived if the loss is greater than $50,000

  • Cash settlement options if you opt not to replace damaged property

  • Personalized and easy claims process

  • Flexible property appraisals for expensive valuables

  • Thorough, detailed, and customized home appraisal service provided

  • Will pay to have your home repaired or rebuilt to its original condition after any damage, even if the cost exceeds established policy limit


  • Expensive, higher-than-average rates/premiums

  • You cannot apply for policies through Chubb directly; must work with an outside agent

If you have an expensive home or valuables, Chubb is a top choice for home insurance. They are consistently ranked as one of the top insurance providers in the United States, offering a complete and thorough policy that will protect all your belongings and bring peace of mind should anything happen to your home or contents.