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Because pets are family, Chubb now offers pet insurance with top-rated coverage from Healthy Paws.
Chubb offers the insurance protection you need for travel’s many “what ifs”.
Chubb protects small businesses at every stage – from newly formed start-ups to long-time anchors of the community.
Stay ahead of cyber threats with our free Cyber Claims Landscape Report.
Learn more about our dedicated learning paths, Online Learning Center, and more.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
High Value Homeowners Insurance
Homeowners coverage highlights
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.
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.
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.
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.
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.
Clients can benefit from Chubb’s HomeScan® service, which uses infrared technology to help detect problems that may exist or be developing behind your walls, like leaks, missing insulation, and faulty electrical connections, before damage occurs. A Chubb homeowners policy also includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, lock replacement if your keys are lost or stolen, and more.
What does Chubb cover beyond “typical homeowner insurance”?
- Claims service that sets the standard: As the leading insurer of successful individuals, Chubb handles claims the right way — restoring your home with attention to detail and craftsmanship.
- Home Assessment — at no additional cost: A Chubb Risk Consultant provides a detailed analysis that helps ensure clients have an accurate replacement cost for their home and their coverage reflects what it would take to rebuild. It's the foundation of a faster, smoother claims experience.
- Proactive loss prevention: Through services available at no additional cost or discounted rates, you can choose support for natural disaster preparedness, water and fire damage prevention, home maintenance, valuable collections care, and personal, home, and cyber security, and more.
- Deductible flexibility — and a built-in waiver for severe losses: You choose the deductible that works best for you. If your base deductible is $50,000 or less and your covered loss exceeds $100,000, in most states, Chubb will waive the deductible.*
How do I contact a Chubb homeowners insurance agent?
- You can find an agent in your area here.
Frequently asked questions about homeowners insurance
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.
No, home insurance is not legally required by state or federal law. However, if you have a mortgage for your home, the mortgage lender will typically require the insurance. As a premium insurance carrier, Chubb offers tailored insurance for homeowners designed to help protect your home, belongings, and personal assets based on your unique needs and risk tolerance.
Several main factors determine the cost of your home insurance, including the following:
- The home’s location and risk: Where your home is located and its exposure to risks such as hurricanes, wildfires, floods, and other natural disasters impact your coverage.
- The home’s characteristics: Unique features—including age, construction, and finishes—impact the coverage you need, as the cost to repair or replace your home at the same level of detail is a key factor.
- Coverage details: The type of coverage, deductible, and presence of protective devices such as security and water leak detection systems also contribute to the cost of homeowners insurance.
- Personal and policy history: Your claims, payment, and credit history, as well as discounts for insuring other assets with Chubb and your tenure as a client, can all influence your premium.
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.
How much homeowner insurance coverage you need depends on your home’s location and risk exposure, as well as its unique characteristics like age, construction, and finishes. You should have enough coverage to repair or replace your home with the same level of detail and finishes at today’s prices.
Yes—Chubb can help you bundle your homeowner insurance and auto insurance, which may make it easier to manage your coverage and which could qualify you for portfolio and customer loyalty discounts. As a premium carrier, Chubb serves successful families and individuals with more to insure and offers additional solutions tailored to your unique needs, including protection for your home, vehicles, and other valuable assets.
Chubb insurance for homeowners helps protect your home, detached structures, and personal belongings against physical loss caused by covered perils such as fire, wind, severe weather, theft, vandalism, and interior water damage As a premium carrier, Chubb also helps advise our clients about additional coverage that may be needed, such as separate policies to help protect your home from flood damage, protect unique contents in the home, like valuable collections and excess liability coverage for increased protection of your personal assets.
"They made us feel valued – like not just a claim"
Brian & Gretchen, St. Louis, MO
Coverage related to home insurance
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*Terms and conditions of the deductible waiver provision may vary in some states. The deductible waiver does not apply if a special deductible (for example a hurricane or vacant house deductible) applies.
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.