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  • It’s the one investment you should get emotional about.

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 want more than a check from your insurer. You'll want your life back, and to rebuild without hassles, headaches, or delay. Raise your expectations of what your insurer should deliver.

Home Protection Highlights

What's in a Chubb Masterpiece® homeowners policy? Here are just a few key features that give comprehensive protection:

  • 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 beauty-even if the cost exceeds your policy limit. We will even pay for necessary upgrades due to modern building codes. Click here to see Randy's story.
  • Cash Settlement: In the event of a covered total loss, 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.
  • Risk Consulting: Through complimentary home appraisals, Chubb's highly trained appraisers will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our appraisers also assist with security and fire prevention advice.
  • 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 where you’ll be comfortable, whether that's at a similar type of home in your school district if available or a suitable hotel. Click here to see Kirtley's story.
  • 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. Plus, we'll replace upgraded appliances based on the exact or latest model available. 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. And Chubb doesn't require you to replace them. You may choose a cash settlement instead. Click here to see George and Betty's story.
  • The Extras: Extras aren't extra with Chubb. A Chubb homeowners policy includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, restoration of electronic data destroyed by a computer virus, or lock replacement if your keys are lost or stolen. Chubb clients can also benefit from HomeScan, which can reveal leaks, missing insulation, and faulty electrical connections before damage happens. Click here to see Nancy's story.

Related Resources

Helpful Tips. Learn More.

The Chubb Masterpiece policy offers competitive policy discounts for security, fire, and burglar alarm systems and other protective measures.

* Extended Replacement Cost Coverage is capped in AL, CA, FL, HI, LA, MS, SC, and WY.
Rebuilding to code coverage is capped in AL, CA, FL, HI, LA, MS, SC, and WY.
Additional living expenses are capped in AL, CA, FL, HI, LA, MS, SC, and WY.

Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

When a water hose on Kathy’s washing machine burst, Chubb exceeded her expectations in restoring her home.
Click to see Kathy's story 
For 15 years, Chubb has taken the worry and hassle out of insurance for Ed and his family.
Click to see Ed's story