Chubb Homeowners Insurance Review 2023

Chubb targets affluent homeowners with a comprehensive suite of coverage and several useful perks.
Doug Sibor
By Doug Sibor 
Edited by Erica Corbin

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NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average


Great set of discounts

NAIC complaints

Far fewer than expected



NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average


Great set of discounts

NAIC complaints

Far fewer than expected

Although consumers may pay slightly more than average, Chubb home insurance policies come standard with high-end features that many other companies charge extra for. Chubb's very low number of complaints relative to its size and wide array of coverage make it one of the top homeowners insurance policies available.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Chubb home insurance star rating


NerdWallet rating 

Chubb homeowners insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on these considerations, Chubb is among NerdWallet's Best Homeowners Insurance Companies for 2023.

State availability

Chubb homeowners insurance is available in all 50 states and Washington, D.C.

Chubb home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as sheds or fences.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you're responsible for injuries to other people or their property.

Covers injuries to guests in your home, regardless of fault.

Chubb's Masterpiece home insurance goes beyond the coverage typically offered by other homeowners insurance carriers. Some of Chubb's standard features, which are often treated as add-ons by other insurers, include:

  • Extended replacement cost. If you need to repair or rebuild your home but the cost is more than your policy limit, Chubb will pay the difference. Chubb also covers any upgrades needed during rebuilding to bring your home up to current codes.

  • Replacement value 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 accounts for depreciation.

  • Water backup. If a sump pump fails or the sewer backs up and your home suffers water damage, Chubb covers the costs. With most companies, this coverage is usually 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 analyze your home for leaks, insulation problems and electrical malfunctions before they can cause damage.

  • 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).

You may be able to add extra coverage to your Masterpiece policy, including equipment breakdown coverage, which pays out if major appliances fail.

Chubb home insurance rates

Generally, Chubb Masterpiece costs more per year than the national average homeowners insurance cost. However, the Masterpiece policy offers coverage that other, less expensive policies may not.


Many of Chubb's homeowners discounts focus on safety. In addition to discounts for having burglar or fire alarms, Chubb offers lower premiums if your home contains a sprinkler system or is otherwise fire resistant. Discounts may also be available for installing a smart leak detector that turns off your water supply if it senses a leak.

In addition, you can save if your home is new or was recently renovated, and living in a gated community will also get you a price break. Other discounts may be available as well, depending on where you live.

Consumer complaints

Chubb had significantly fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: Chubb's website can be challenging to use. Most will not be able to get a quote online, but they can get a quote through a local agent. However, the website does provide ample information about policy features and connects you to a large library of educational content.

App: The Chubb app is available on iOS and Android. Users can pay premiums, submit claims and view home assessment reports, among other basic functions.

Claims: Chubb allows its members to report a claim through the app, their online portal or by calling 800-252-4670. You can also have your local agent report your claim on your behalf. For advice, see how to file a home insurance claim.

Customer service: To speak to Chubb customer services you can call 866-324-8222. You can also email [email protected] or chat with customer service through the Chubb Mobile app.

Where Chubb stands out

Generous coverage. Chubb’s Masterpiece policy includes extended replacement cost coverage for your home, plus additional coverage other companies charge extra for.

Useful perks. With programs like HomeScan and Wildfire Defense Services, Chubb aims to help protect your home from claims before they happen.

Where Chubb falls short

Online quotes. You’ll generally have to call an agent to get a quote and buy your policy.

Is Chubb home insurance right for you?

If you’re a homeowner who values comprehensive coverage over the cheapest possible price, Chubb may be a good fit.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

  • Amica. Great customer service plus an approved contractor program to help with claims.

  • The Hanover. Offers many ways to customize policies.

  • Openly. Premium coverage for high-end homes.

  • State Farm. Well-established insurer with a lengthy list of coverage options.

Frequently asked questions

In addition to homeowners insurance, Chubb offers a variety of other insurance products including:

  • Cyber.

  • Valuables.

  • Boats and yachts.

Chubb tends to be more expensive than its competitors, but it also offers several features standard that other insurers only have as add-ons. Rates and premiums can also vary depending on a number of factors, such as your credit or the age of your home.

Masterpiece is the name of Chubb’s homeowners insurance product. It is more comprehensive than most other companies’ standard policies and comes with liability limits up to $100 million.

Chubb operates in 54 countries and territories around the world, including the U.S., Canada, the U.K. and France.


Homeowners insurance ratings 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 and online experience. 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. Read our full ratings methodology for home insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to 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.

Homeowners insurance rates methodology

NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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