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Chubb Home Insurance Ratings

Ranked No. 2 Overall
Customer Satisfaction Ratings (based on 127 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Home
89.75
out of 100
91
89
90
86
99%
94%
A++
Oct 5, 2017
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Reasons for Buying from Chubb

Customers of Chubb originally decided to purchase from the company for these reasons:
Saw online ad26%
Financial Strength rating20%
Recommended by friend or family member17%
Offered best price13%
Reputation13%
Saw TV commercial7%
Was the company my parents had3%
I had other insurance with this company2%
The company website and mobile apps are easy to use and helpful0%

How likely are you to recommend this company to a friend, coworker or family member

I would definitely recommend this company. 52%
I probably would recommend this company. 47%
Neutral 1%
I probably would not recommend this company. 0%
I would not recommend this company. 0%

Would you renew?

Yes 94%
No 6%

Website and Apps

How easy to use and how helpful they are
47%Excellent - Gives me what I need and more
47%Good - Fulfills my needs
4%Just okay - Fulfills some but not all of my needs
2%Never visited/used website or mobile app
0%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

39%Phone
10%Email
22%In person
10%Smartphone app
18%Interactive website

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 Insurance Companies Survey 2018

Chubb came in near the top of the pack in this year’s home insurance consumer survey. Chubb earned 2nd place overall with a score of 89.75 and also first place in value of price with a score of 90. For the new rating for ease of use for website and apps, Chubb received second place. While not being number one all around, 99% of surveyed policyholders said they would recommend the company and 94% said they plan to renew.

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.

Discounts

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.

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