Best Home Insurance Companies

Chubb Home Insurance Reviews and Ratings

Updated on
Chubb Ratings
Overall Rating: 3.75
J.D. Power: 1.54
NAIC: 2.05
Average Premium: 3.16
Quadrant Insurance Alignment: 3.73
Multi-Policy Discount: 2.42
New-Home Discount: 2.24
AM Best Rating A++

Why you can trust

insure logo
quality icon

Quality Verified

At, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

About Chubb Home Insurance

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 to note:

  • 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.

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.

Types of Coverages Offered by Chubb Home Insurance

  • Dwelling
  • Liability
  • Personal property
  • Medical payments to others
  • Additional living expenses
  • Extended replacement cost

Discounts Offered by Chubb Home Insurance

  • Multi-policy
  • Alarm systems and safety devices
  • New or renovated house
  • Gated community patrol service
  • Masonry construction
  • Claims-free
  • Storm shutter
  • Suburban rating

Additional Coverages Offered by Chubb Home Insurance

  • Auto insurance
  • Valuables
  • Boats & Yacht insurance
  • Cyber insurance
  • Travel insurance
  • Natural disaster insurance
  • Lock replacement
  • Personal Wildlife Defense Services
  • Home Scan

In which states is Chubb available?

author image
Michelle Megna


Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.

Other Similar Companies

Go To Top