Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
About Chubb home insurance
Chubb homeowners insurance earned 5 out of 5 stars for overall performance.
Chubb caters to owners of high-value homes. The company's policies come with high-end features that many other insurers charge extra for. Chubb's wide array of coverage and very low number of complaints relative to its size make it one of the top homeowners insurance companies in the industry.
Based on these considerations, Chubb is among NerdWallet's Best Homeowners Insurance Companies for 2025.
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Answer a few questions to see custom quotes and find the right policy for you.Where Chubb home insurance stands out
Consumer satisfaction. Chubb draws a very low rate of consumer complaints and ranks highly in recent J.D. Power customer satisfaction studies.
Generous coverage. Among other extras, Chubb’s policies include extended replacement cost coverage for your home.
Useful perks. With programs like HomeScan and Wildfire Defense Services, Chubb aims to protect your home from claims before they happen.
Where Chubb home insurance falls short
No online quotes. You’ll generally have to call an agent to get a quote and buy your policy.
What Chubb home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Chubb's Masterpiece home insurance goes beyond the coverage other carriers typically offer. Some of Chubb's standard features, which are often treated as add-ons by other insurers, include:
Extended replacement cost coverage. If you need to rebuild your home but the cost is more than your policy limit, Chubb will pay a certain amount extra to help make up the difference. Chubb also covers upgrades to bring your home up to current construction codes.
Replacement cost coverage for contents. Chubb will pay what it costs to buy new belongings if yours are damaged. Most standard policies will only give you the actual cash value of the items, which reflects depreciation. Learn about actual cash value vs. replacement cost.
Water backup coverage. If a sump pump fails or the sewer backs up and your home suffers water damage, Chubb covers the costs. With many companies, this coverage is optional and carries a separate fee.
The Masterpiece policy also includes:
A complimentary visit from a risk consultant to assess your home for potential issues.
Chubb's HomeScan system, which uses infrared technology to look for leaks, insulation problems and electrical malfunctions.
Chubb Wildfire Defense Services to protect your home if it’s threatened by wildfire (not available in all states).
Identity management services to prevent or recover from identity theft (available in some states).
Optional Chubb home insurance coverage
You may be able to add the following extra coverage to your Masterpiece policy:
Equipment breakdown coverage, which pays out if major appliances fail.
Flood insurance for damage due to tidal surge, heavy rain or other flooding.
Earthquake insurance for damage from earth movement.
What's not covered
Standard Chubb homeowners insurance policies don’t cover damage due to:
Flooding.
Earthquakes.
Lack of maintenance.
As noted above, optional coverage is available for some of these scenarios.
Where Chubb home insurance is available
Chubb homeowners insurance is available in all 50 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Discounts
Depending on where you live, you may be able to get a discount for:
Having burglar or fire alarms.
Having a sprinkler system.
Installing a smart leak detector that turns off your water if it senses a leak.
Owning a new or recently renovated home.
Living in a gated community.
Bundling multiple Chubb policies.
Going without filing a claim for a certain amount of time.
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Answer a few questions to see custom quotes and find the right policy for you.Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Chubb scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Chubb topped the list for customer satisfaction in J.D. Power’s most recent U.S. Property Claims Satisfaction Study. It also ranked highly in J.D. Power’s latest Home Insurance Study.
How to file a claim with Chubb
Chubb allows policyholders to report a claim through the app, via its online portal or by calling 800-252-4670. You can also have your local agent submit a claim on your behalf.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Chubb customer service
Phone: Call 866-324-8222 Monday through Saturday.
Email: Reach out to customercare@chubb.com.
Online tools
Website: Chubb's website doesn’t provide online quotes, but it lets you look up a local agent who can help. It also provides information about policy features and has a library of educational content.
Mobile app: The Chubb app is available on iOS and Android. Users can pay premiums, submit claims and view policy documents, among other basic functions.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Chubb offer?
What other types of insurance does Chubb offer?
In addition to homeowners insurance, Chubb offers a variety of other insurance products including:
Auto.
Cyber.
Valuables.
Boat and yacht.
Is Chubb a good insurance company
Is Chubb a good insurance company
Chubb is a well-established insurer that’s been in business since 1882. Its home insurance tends to be more comprehensive than most other companies’ standard policies and comes with liability limits up to $100 million.
Is Chubb home insurance available outside of the United States?
Is Chubb home insurance available outside of the United States?
Chubb operates in 54 countries and territories around the world.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
