Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon October 31, 2019

Reasons for Buying

Customers of Chubb originally decided to purchase from the company for these reasons:
Saw online ad
Offered best price
Recommended by friend or family member
The company website and mobile apps are easy to use and helpful
Financial Strength rating
Saw TV commercial
Was the company my parents had
I had other insurance with this company

How likely to recommend?

I would definitely recommend this company
I probably would recommend this company
I probably would not recommend this company
I would not recommend this company

Would you renew?

95% Yes
5% No

Ratings on Website & Apps

Completely satisfied - Gives me what I want and more
Satisfied - Fulfills my needs okay
Neutral - No good or bad feelings on this
Very unsatisfied - Their digital offerings are not good at all or nonexistent
Never visited or used website or mobile app
Not Satisfied - Is not a good website or app

How do you prefer to deal with insurer and policy?

In person
Interactive website
Mobile App
Go to Chubb site now to get a quote
See How Much You Can Save!
Compare free quotes from companies near you
zip-pin Please enter valid zip

About Chubb

Homeowners policies offered

  • Home
  • Condo
  • Renters
  • Family protection

Additional policies offered

  • Car insurance
  • Valuable articles
  • Watercraft
  • Excess liability
  • Supplemental insurance, such as supplemental accident, disability, health and life insurance products

Best Home Insurance Companies 2020: How Chubb Home Insurance Stacks Up

Chubb claimed the top spot in the 2020 Best Home Insurance Companies consumer survey with an overall score of 90.86. Chubb also earned 1st place for value of price and ease of use of website and apps. In the other individual ratings Chubb also well received by surveyed policyholders. Chubb was snagged 3rd place for customer service and 5th spot for claim service. Chubb was also the most recommended home insurance company with 93% of those surveyed saying they already have or will recommend the company to others. And 95% said they plan to renew. Their home policy with Chubb.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Chubb's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Chubb (NAIC# 20281) had a complaint ratio of 0.23 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Insurance on the high seas

In 1882, Thomas Caldecot Chubb and his son, Percy, opened their insurance business in New York City, focusing on the seaport district, insuring ships and their cargos. The business initially was called Chubb & Son, and its first policy covered a shipment of grain.

The company evolved and expanded over the years, but Chubb Corporation really expanded into global growth in the 1980s after a manufacturer in New York said to the chairman that he had manufacturing plants in Germany and Asia and would like to use Chubb to insure them. That fateful conversation is at least in part why Chubb is now in 54 countries, offering a wide variety of both commercial and personal insurance products.

Chubbs homeowners programs

  • Extended Replacement Cost -- Chubb will pay to have your home repaired or rebuilt to its original standards, even if the cost is more than your policy limit. They'll also pay for necessary upgrades due to modern building codes.
  • Cash Settlement -- If you don't want to rebuild, Chubb will offer a cash settlement up to your policy limit.

Consider Chubb Insurance if you're wealthy

There are certainly a lot of competing insurers that are good for the upper class, but Chubb does have a lot of features that you might want to consider, if you have wealth you want to protect. They have insurance policies that really drill deep into the details that you might be concerned about, if you're, for example, often buying extremely expensive artwork or jewelry or breakables. For instance, if you accidentally shatter your crystal or china, and you have a Masterpiece Valuable Articles policy, you're covered. If you've purchased some fine art, Chubb recognizes you may not call your insurer the next day, so you're covered for 90 days (up to 25 percent of the total itemized coverage for similar articles).

Contact Information

Corporate headquarters

Chubb Services Corporation

15 Mountainview Road

Warren, NJ 07059

(908) 903-7181

Types of special coverage

Lock replacement. This kicks in if your keys are lost or stolen.

Computer virus. Policy includes help to restore electronic data destroyed by a computer virus.

HomeScan. This protection finds leaks, missing insulation and faulty electronic connections.

Personal Wildlife Defense Services. Program provides monitoring, prevention and mitigation services about wildfires.


Multi-policy. Discount for more than one type of policy with the same insurance provider.

Alarm systems and safety devices. Discount for having security and fire-suppression systems.

New or renovated house. Discount for insuring a recently-constructed or renovated home.

Gated community patrol service. Discount if you live in a gated community with its own security force.

Masonry construction. Discount for insuring a home made of brick.

Claims-free. Discount if you haven't filed a claim in a certain amount of time.

Storm shutter. Discount for having storm shutters.

Suburban rating. Discount for living in the suburbs, which usually have better fire ratings.

Other Companies to Consider: