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Masterpiece® Home & Contents

Masterpiece is Chubb’s prestige home and contents insurance offering for people with significant assets to insure who appreciate a premium level of cover and service that is customisable to their needs. 


Upgrade your home and contents insurance to Masterpiece

If you are the owner of a fine home or valuable contents, you should consider having insurance to match. Not all insurance companies offer the same benefits, so it’s important to know what you are getting before risking your most prized possessions with a low-cost home and contents policy.

What it covers

Masterpiece policy highlights

Chubb’s Masterpiece is specifically tailored to insure prestigious homes and precious possessions. But we don’t sell on price. We sell on providing outstanding cover and first class service. For instance, if you have a covered loss with us, we will use the finest craftsmen available to return your home and belongings to their original condition. Or if it suits you better, we will give you cash—and unlike some other policies, there’s no depreciation applied.


Extended replacement cost coverage

We’ll cover the full cost to rebuild your home after a covered loss even if this is more than the sum insured.  So it safeguards you from the consequences of under-insuring your home.

Worldwide cover for accidental loss and damage

Our broad cover means all your possessions are automatically covered wherever you are in the world for accidental loss or damage, even when you’re travelling or your goods are in transit or storage.


Why choose Masterpiece?



  • Dedicated Masterpiece loss adjuster for superior claims service
  • Cash settlement available for claims
  • Free Chubb Home appraisal
  • Worldwide cover for Contents and Personal Liability
  • Extended replacement cost on Building
  • Other permanent structures automatically covered under Building sum insured (up to 30%)
  • Additional living expenses - unlimited with accommodation for pets, up to $30,000
  • Personal Cyber cover

What types of homes do we insure?

The target market for Masterpiece are primary homes with a building replacement cost of $2 million and over. We can also consider holiday homes if we insure the primary residence. 


Preferred locations

If you are interested in a Masterpiece home & contents policy, here is a list of locations that we cover:


  • Auckland Province
  • Northland
  • Hamilton
  • Nelson


  • Queenstown
  • Dunedin
  • Wanaka


While these locations (and their surrounding areas) are within our underwriting appetite, we can also consider others. 

Each location and client is underwritten individually and we assess all factors that may have an impact on the risk. 



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Disclaimer: Masterpiece is a broad home insurance policy, but there are a number of exclusions to be aware of. These include but are not limited to wear and tear, gradual deterioration and misappropriation. There are also a number of limitations on cover, including but not limited to limits on payments for jewellery and business property under the contents coverage. For the full list of the terms, conditions and exclusions, please review Policy Wording. Please also see our Privacy Policy and Financial Strength Rating.

Masterpiece is issued by Chubb Insurance New Zealand Limited (Chubb)(Company No. 104656, FSP No. 35924). Any advice in this document is of a general nature and does not take into account your objectives, financial situation or needs. You should read the Masterpiece policy, which sets out the full insuring clauses, definitions, schedule, extensions, terms, conditions, exclusions and limits of liability, having regard to your own circumstances, before making any decisions about this insurance policy.

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