Chubb Home Insurance Review

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. 

*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 $369 monthly on average. Rates shift based on coverage limits: $1 million in dwelling coverage runs about $1,137 monthly. Your home's location, construction type and claims history also move your premium.

Check Chubb's average homeowners insurance rates by coverage amount in the table. Adjust the deductible to find cheap homeowners insurance matching your budget.

Home insurance rates with Chubb can vary 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 in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.

Chubb offers four homeowners' insurance discounts. The availability of such discounts depends on the state in which you live.

Chubb’s homeowners insurance includes the six standard coverages that protect your home, personal belongings and liability. We give a breakdown of what home insurance covers and the types of coverage provided by a Chubb policy.

Standard Chubb homeowners insurance doesn't cover certain losses that fall outside the usual home risks.

Chubb offers six optional coverages (endorsements) that homeowners can add. Endorsements are add-ons that extend or customize coverage beyond standard plans.

Available coverages vary by state. Contact a Chubb agent to discuss options in your area.

Chubb positions itself in the premium mid-tier at $4,221 annually, more affordable than Progressive's $5,505 but substantially higher than AAA's budget-friendly $1,539, while delivering superior customer experience (4.59) and the strongest coverage options (4.37) among the three insurers.

Chubb ranks eighth nationally in MoneyGeek's review, earning an overall score of 4.42 out of 5. Chubb offers high-end coverage, including extended replacement cost (pays to rebuild your home even if costs exceed your policy limit) and GreenWise upgrade coverage for environmentally friendly repairs.

Save through multi-policy discounts for bundling home and auto insurance and discounts for installing protective devices like security systems and water shutoff valves.

Check out these answers to frequently asked questions about Chubb home insurance:

Chubb targets high-value homes with specialized needs. Evaluating this insurer required moving beyond standard homeowners profiles to capture what matters for properties with substantial assets, premium materials and unique coverage requirements. We designed our methodology to show whether Chubb's specialized offerings justify its premium positioning.

Our baseline homeowner: Middle-aged (41 to 60 years old) with a 2,500-square-foot house. Coverage: $250,000 dwelling, $125,000 personal property, $200,000 liability. Profile included good credit and no claims in the past five-plus years. This baseline represents the entry point for Chubb's market segment.

How we scored Chubb:

• Affordability (55%): We compared Chubb's premiums against the national average and competing insurers using the baseline profile.  
• Customer experience (35%): We gathered customer feedback from public forums, J.D. Power industry studies and Chubb's AM Best Financial Strength rating.
• Coverage (10%): We reviewed Chubb's add-on coverages and assessed their depth and uniqueness against those of average competitor offerings. Specialized protection like extended replacement cost and GreenWise coverage separates premium carriers from standard insurers.

Why this approach works for Chubb buyers: High-value homeowners need proof that premium pricing delivers premium value. You're weighing whether features like unlimited replacement cost and concierge claim service justify spending more than you'd pay competitors. Our methodology isolates pricing, service quality and coverage sophistication so you see exactly what you're buying.