Updated: October 16, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
Chubb ranks third nationally for customer experience, earning a strong 4.59 out of 5 score.
Average cost of $369 per month or $4,431 for $250,000 in dwelling coverage.
Homeowners with Chubb can choose from several valuable add-ons, including extended replacement cost and GreenWise upgrade coverage.
Chubb ranks eighth nationally out of 14 providers in MoneyGeek’s analysis of the best homeowners insurance companies. Its 4.42 out of 5 overall score reflects a strong balance of affordability, customer service and coverage options.
Explore the table below and see how Chubb ranks nationally based on a sample homeowner profile.
| Overall | 4.42 | 8 |
| Affordability | 4.34 | 12 |
| Customer Experience | 4.59 | 3 |
| Coverage | 4.37 | 5 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
A Chubb policy with $250,000 in dwelling coverage costs an average of $369 per month, but rates vary depending on your coverage limits; for instance, $1 million in dwelling coverage averages about $1,137 monthly. Several other factors, including your home’s location, construction type and claims history, can affect your homeowners insurance cost.
Review the table below to see Chubb’s average homeowners insurance rates by coverage amount. Adjust the deductible to find options that fit your budget when comparing or finding cheap homeowners insurance.
| $100K Dwelling / $50K Personal Property / $100K Liability | $138 | $1,661 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $369 | $4,431 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $649 | $7,792 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $903 | $10,840 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,137 | $13,639 |
Home insurance rates with Chubb can vary significantly depending on where you live, as local risks, building costs and state regulations all affect premiums. For example, Chubb’s home insurance costs $780 per month in Texas, while in Maine, homeowners pay $74 per month for the same policy.
Examine the table below to explore where Chubb homeowners insurance is available for a policy with $250,000 in dwelling coverage and a $1,000 deductible.
Note: Data above is for states the company is available in. If the company is not available in the state, “No Data” will be displayed.
Chubb offers four homeowners insurance discounts, though availability can vary depending on your state. See the table below for more details on each discount and how to qualify.
Multi-Policy Discount | Save when you bundle your Chubb homeowners insurance with another policy, such as auto, valuables or excess liability coverage. |
Protective Devices and Security Discounts | Earn a discount if your home has safety features like a water shutoff device, central station security system, security cameras, a backup generator or a fire suppression system. |
New/Renovated Home Discounts | Homes that have been newly built or recently renovated within a set time frame may qualify for lower premiums. |
Loss-Free Discount | Policyholders who have maintained a Chubb home insurance policy without filing claims for several years can receive a discount. |
Chubb’s homeowners insurance includes the six standard coverages that protect your home, personal belongings and liability. Take a look at the breakdown below of what home insurance covers and the types of protection included in a Chubb policy.
Dwelling coverage pays to repair or rebuild the structure of your home, including walls, roof and built-in fixtures, if your home is damaged by a covered peril like fire, wind or hail.
Other structures coverage applies to detached buildings on your property, such as a garage, fence, pool or shed.
Personal property coverage is what pays to replace or repair your belongings, including furniture, clothing and electronics, if they’re stolen or damaged. This coverage typically applies to items inside your home and even while you travel.
Personal liability coverage is responsible for the legal fees or damages if you’re found at fault for someone else’s accidental injury or property damage. It provides financial protection against lawsuits or claims that arise from accidents in or around your home.
Medical payments coverage pays for minor medical expenses if a guest is injured on your property, regardless of who’s at fault. It can cover costs like hospital visits, X-rays or ambulance fees up to your policy’s limit.
Loss of use coverage helps pay for temporary living expenses if your home becomes uninhabitable after a covered loss. It can cover hotel stays, meals, pet boarding and other additional costs while your home is being repaired or rebuilt.
Chubb offers six optional coverages, also known as endorsements, that homeowners can add to enhance their protection. An endorsement is an add-on to your homeowners insurance policy that extends or customizes coverage beyond what’s included in a standard plan.
Available coverages may vary by state; talk to a Chubb agent to discuss what coverages are available in your area.
Extended Replacement Cost | Covers the full cost to repair or rebuild your home after a covered loss, even if expenses exceed your policy limit, including upgrades required by modern building codes. |
Replacement Cost Coverage | Pays to replace damaged or destroyed personal belongings at today’s replacement cost without deducting for depreciation, and allows you to choose a cash settlement instead of replacement. |
Wildfire Defense Services | Provides year-round wildfire monitoring, prevention and mitigation through Wildfire Defense Systems, offering assessments, property protection and post-fire cleanup at no extra charge. |
Hurricane Protection | Offers assistance for secondary or seasonal homes affected by hurricane-force winds, including automatic home inspections, claim submission and short-term repairs through Chubb’s Property Manager service. |
GreenWise Upgrade Coverage | Helps you rebuild or repair your home using eco-friendly materials and energy-efficient upgrades after a covered loss, with protection levels up to 100% of your home’s value. |
Home Appliance and Equipment Breakdown Coverage | Covers sudden mechanical or electrical breakdowns of home systems and appliances, paying for repair or replacement without factoring in depreciation. |
Standard Chubb homeowners insurance doesn’t cover every type of loss, particularly those that fall outside normal home risks.
Damage caused by flooding, earthquakes or other ground movements isn’t included in a standard Chubb policy. Homeowners need separate flood or earthquake insurance to stay protected from these events.
Losses that result from intentional acts, neglect or poor maintenance aren’t covered. This includes situations where damage could have been avoided through reasonable upkeep or care.
Damage to business property or vehicles kept on your property isn’t covered under a standard home policy. Separate commercial or auto insurance is required for those protections.
You can buy home insurance from Chubb either through its website or by working directly with a licensed agent. Both options make it easy to customize your coverage and find protection that fits your home’s value and location.
Start by figuring out how much home insurance you need to fully protect your property. Talk to a professional to get specific details on how much it will take to rebuild your home. Additionally, create a home inventory to estimate the right home insurance coverage limits and ensure all your belongings are included.
Visit Chubb’s website or contact an agent to request a personalized quote. You’ll need to provide details about your home, location and desired coverage to get an accurate estimate.
Review the available coverage options, deductibles and add-ons before making a decision. Comparing these details can help you choose a plan that balances protection and cost.
Ask about Chubb’s available discounts to lower your premium. You may qualify for savings by bundling policies, installing protective devices or maintaining a loss-free record.
Before you buy, review your policy details to confirm coverage limits, exclusions and endorsements. Once you’re satisfied, complete your purchase online or through your agent to activate your homeowners insurance.
If you already have a homeowners insurance policy with Chubb, you can file a home insurance claim via the Chubb Mobile App, on their website or by calling an agent.
Notify Chubb as soon as possible after the incident to start your claim. Provide key details, including the date of loss, the type of damage and any immediate repairs needed to prevent further harm.
Take clear photos or videos of the affected areas and make a list of damaged belongings. This documentation helps verify your claim and speeds up the assessment process.
A Chubb claims adjuster or representative will schedule a visit to inspect the damage. They’ll evaluate repair costs and confirm whether the loss is covered under your policy.
Once your claim is approved, review the settlement details carefully before repairs begin. Chubb can help coordinate contractors and ensure your home is restored to its pre-loss condition.
Chubb ranks eighth nationally in MoneyGeek’s review of the best homeowners insurance companies, earning an overall score of 4.42 out of 5. The company offers high-end protection options such as extended replacement cost coverage, which pays to rebuild your home even if costs exceed your policy limit, and GreenWise upgrade coverage for environmentally friendly repairs.
Homeowners can also save through several discount opportunities, including a multi-policy discount for bundling home and auto insurance and savings for installing protective devices like security systems and water shutoff valves.
Below are answers to frequently asked questions about Chubb home insurance:
Yes, Chubb home insurance is a strong choice for homeowners seeking comprehensive coverage and premium service. It ranks eighth nationally with an overall score of 4.42 out of 5 and excels in customer experience, earning a 4.59 rating and third-place national rank.
The average cost of Chubb homeowners insurance is about $4,431 per year, or roughly $369 per month, for $250,000 in dwelling coverage. Actual rates depend on factors like your location, home value, coverage limits and claims history.
Chubb’s home insurance customer service is highly rated, earning a 4.59 out of 5 score and ranking third nationally. The company is recognized for its responsive claims handling and personalized support from agents. Homeowners can also access help easily through Chubb’s website, mobile app or customer service line.
We used the following base profile to determine Chubb’s homeowners insurance rates and evaluate its affordability compared to other providers:
Our rating system for Chubb consisted of the following scoring factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
