If you are the owner of a fine home or valuable contents, you may wish to consider having an insurance policy to match. Chubb is known for being experts in Home & Contents insurance globally, offering outstanding cover and world-class claims service.
With extended replacement cost coverage, after a covered loss Chubb will pay to have your home repaired or rebuilt to its original condition – even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.
Through free home appraisals, Chubb’s highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and help make sure you are adequately covered. Our risk consultants also assist with security, water damage and fire prevention advice.
In the event of a covered total loss to your home, if you decide not to rebuild or to rebuild at another location, Chubb offers a cash settlement, up to your policy limit. The choice is yours. Cash settlement is also available at your option for covered losses to your contents.
If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, Chubb will help you find a place to stay, whether that’s at a similar home in your local area if available or a suitable hotel.
In the event that the things inside your home are damaged, Chubb will replace the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy.
Extras aren't extra with Chubb. A Chubb home & contents policy includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, to lock replacement if your keys are lost or stolen.
*These benefits are not included in all Chubb policies. Speak to your insurance broker to find out which product is right for you.
Some of the primary exclusions include loss to home and contents caused by:
The above represents a selection of Chubb's personal lines highlights and exclusions. For the full list of policy exclusions for each product, refer to the relevant policy wordings and product disclosure statements.
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