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Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll most likely want your life back, and to rebuild without hassles, headaches, or delay.

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.

Chubb Home & Contents Insurance Highlights


  • Extended Replacement Cost*

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.

  • Risk Consulting*

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.

  • Cash Settlement*

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.

  • Temporary Living Arrangements

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.

  • Replacement Cost Coverage

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. 

  • The Extras

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. 


Chubb Home & Contents Insurance Exclusions


Some of the primary exclusions include loss to home and contents caused by:

  • Flood and action of the sea (varies by product, and where not provided may be available via endorsement).
  • Faulty planning, construction or maintenance.
  • Certain events including acts of war, nuclear & chemical hazards.
  • Wear & tear, gradual deterioration, rust and corrosion.

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.

Masterpiece Insurance Brochure

Chubb Home & Contents Insurance Brochure

Cover your house, so it always feels like home.

We had this insurance company that was right there for us.

This content is brought to you by Chubb Insurance Australia Limited (“Chubb”) as a convenience to readers and is not intended to constitute advice (professional or otherwise) or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained here on the Chubb website, through your broker or by contacting any of the Chubb offices. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of the content. Readers relying on any content do so at their own risk. It is the responsibility of the reader to evaluate the quality and accuracy of the content. Reference in this content (if any) to any specific commercial product, process, or service, and links from this content to other third-party websites, do not constitute or imply an endorsement or recommendation by Chubb and shall not be used for advertising or service/product endorsement purposes. ©2021 Chubb Insurance Australia Limited ABN: 23 001 642 020 AFSL: 239687. Chubb®, its logos, and Chubb.Insured.SM are protected trademarks of Chubb.