• Cons
    Most customers can't obtain a quote online and are required to reach out to a local representative instead.
  • Coverage Type
    Above average coverage
  • Discounts Type
    Impressive
  • Consumer Complaints
    Chubb has received significantly fewer complaints about home insurance to state regulators than expected for its size, as per three years' data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also include other types of home policies, such as mobile home, renters, and condo insurance.)
  • Digital Experience
    Although Chubb's website doesn't offer online quotes, it allows you to find a local agent who can assist. It provides comprehensive information about policy features and offers access to a vast library of educational resources., The Chubb app, available on iOS and Android, lets users pay premiums, file claims, and view policy documents, along with other basic functions.
  • Discounts
    Discounts for installing burglar or fire alarms, Fire-resistant systems such as sprinklers., A high-tech leak detector that automatically turns off your water supply if a leak is detected
  • Falls Short
    No online quotes. You'll typically need to contact an agent to obtain a quote and secure your policy.
  • Contacting Customer Service
    To communicate with Chubb customer services, you can dial 866-324-8222. You can also send an email to customercare@chubb.com or chat with customer service through the Chubb Mobile app.
  • Claim Filing
    Chubb allows policyholders to lodge a claim through the app, its online portal, or by calling 800-252-4670. You can also have your local agent file a claim on your behalf. For guidance, see how to file a home insurance claim.
  • Not Covered
    Flood damages., Seismic activities., Neglect of maintenance.
  • Optional Coverage
    Equipment breakdown coverage, providing compensation if major appliances break down., Flood insurance for damages arising from tidal surge, heavy rainfall, or other flood-related incidents., Earthquake insurance, covering damages resulting from earth movements.
  • NAIC Complaints
    Significantly less than anticipated
  • Pros
    Remarkably low number of consumer complaints for a company of its magnitude., Standard coverage includes elements that other companies often provide as add-ons., A plethora of potential discounts.
  • Standar Coverage
    Dwelling. Covers costs for repairing or reconstructing your home's structure., Other structures. Provides coverage for damage to detached structures like sheds or fences., Personal property. Covers costs to repair or replace personal items like furniture or apparel., Loss of use. Covers expenses for hotel accommodation, meals, and other costs if you need to reside elsewhere while your home undergoes approved repairs., Personal liability. Covers legal costs and damages if you're liable for injuries to others or their property., Medical payments. Covers injuries sustained by visitors in your home, irrespective of who is at fault.
  • Stands Out
    Abundant coverage. Chubb’s Masterpiece policy encompasses extended replacement cost coverage for your residence, as well as supplementary coverage that others usually charge for., Beneficial extras. With initiatives such as HomeScan and Wildfire Defense Services, Chubb strives to safeguard your home from claims before they arise.
  • State Availability
    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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