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Homeowners Insurance

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.


How Do I Insure My Home With Chubb?

An independent insurance agent can help you tailor a homeowner’s insurance policy to ensure that you have comprehensive protection to meet your unique needs. You can find an agent here.


What goes into my home insurance premium?

The main factors that determine your premium and the cost of your insurance are your home’s location and the possibility of being affected by natural disasters, the amount of coverage you need, the deductible you’ve chosen, your home’s protective and preventive devices, your claims and/or bill-paying history, your credit score (if permissible), the unique characteristics of your home, the type of coverage your choose, how long you’ve been a client, and other Chubb products you might have that generate a discount when bundled.


What Is Replacement Cost Coverage?

Replacement cost coverage means that your home’s coverage amount is based on its replacement cost – how much it would cost to rebuild it as is, with the same level of detail and finishes. It takes into account costs at the time of a loss, such as materials, labor, architect and designer fees, lighting, and custom design finishes. Plus, with extended replacement cost coverage, Chubb will pay to rebuild or restore your home after a covered loss, even if the cost exceeds your policy limits, which could include upgrades required to keep up with modern building codes.




Chubb Masterpiece® Homeowners Coverage 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.

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 home in your school district if available or a suitable hotel.

Risk Consulting

Through complimentary 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 make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.

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.

Replacement Cost Coverage

In the event that the things inside your home are damaged, Chubb will replace all 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.

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.


Masterpiece® Homeowners Brochure

Protect your house, so it always feels like home.


Chubb Flood Brochure

Protect your home with watertight coverage.


They made us feel valued – like not just a claim.

Brian & Gretchen, St. Louis, MO 

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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.

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