Considering affordability, customer service, coverage and financial stability, Chubb ranks second overall in the nation for home insurance. It offers the most affordable home insurance rates for newer homes and ranks highly in customer satisfaction and financial stability. Review our ratings below.
Chubb Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Chubb ranks fourth overall for home insurance affordability, with particularly low rates for newer homes.
Chubb is ranked first nationally in customer satisfaction and financial stability.
Chubb is ranked second overall for coverage options, offering various plans and add-on coverages, including cash settlement coverage and guaranteed replacement cost.
Chubb Home Insurance Ratings
| Overall Rating | 85 | 2 |
| Affordability | 42 | 4 |
| Customer Satisfaction | 29 | 1 |
| Coverage | 9 | 2 |
| Financial Stability | 5 | 1 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Chubb Home Insurance Ratings by State
While Chubb ranks within the top two nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| California | 62 | 6 |
| Colorado | 87 | 2 |
| Connecticut | 88 | 2 |
| District of Columbia | 62 | 2 |
| Florida | 89 | 3 |
| Georgia | 77 | 2 |
| Maine | 92 | 1 |
| Maryland | 92 | 1 |
| Massachusetts | 81 | 3 |
| Michigan | 81 | 2 |
| Minnesota | 95 | 2 |
| Montana | 99 | 1 |
| New Jersey | 96 | 1 |
| New York | 62 | 6 |
| Oklahoma | 91 | 1 |
| Pennsylvania | 83 | 2 |
| South Carolina | 99 | 1 |
| Texas | 73 | 5 |
| Virginia | 95 | 1 |
| Washington | 86 | 2 |
| Wisconsin | 99 | 1 |
How Much Is Chubb Home Insurance?
For most homeowners, Chubb home insurance costs around $207 per month and $2,480 per year. However, depending on your unique profile and coverage needs, costs can vary from $50 to $2,491 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $207 | $2,480 |
Chubb Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Chubb home insurance by location:
| California | $136 | $1,632 |
| Colorado | $251 | $3,015 |
| Connecticut | $232 | $2,790 |
| District of Columbia | $122 | $1,460 |
| Florida | $633 | $7,600 |
| Georgia | $180 | $2,165 |
| Maine | $72 | $868 |
| Maryland | $170 | $2,039 |
| Massachusetts | $191 | $2,292 |
| Michigan | $160 | $1,917 |
| Minnesota | $149 | $1,791 |
| Montana | $85 | $1,017 |
| New Jersey | $74 | $891 |
| New York | $151 | $1,815 |
| Oklahoma | $522 | $6,267 |
| Pennsylvania | $143 | $1,711 |
| South Carolina | $134 | $1,606 |
| Texas | $588 | $7,057 |
| Virginia | $125 | $1,495 |
| Washington | $131 | $1,576 |
| Wisconsin | $89 | $1,067 |
Chubb Home Insurance Coverage Options
In addition to standard coverage options, Chubb offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Cash settlement | Allows you to choose a cash settlement instead of replacing damaged belongings, and offers cash settlement up to your policy limit if you decide not to rebuild after a covered total loss |
Guaranteed replacement cost | Pays to rebuild or restore your home after a covered loss, even if the cost exceeds your policy limits, including upgrades required to keep up with modern building codes |
Building ordinance upgrades | Covers any upgrades needed during rebuilding to bring your home up to current construction codes |
Lock replacement | Provides lock replacement coverage if your keys are lost or stolen |
Personal property replacement cost | Covers your belongings for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy |
Risk consulting | Provides complimentary home assessments where highly trained risk consultants visit your home and assist with security and fire prevention advice |
Scheduled personal property | Provides additional coverage for high-value items like jewelry with higher limits than standard personal property coverage |
Cyber event/Identity theft | Includes up to $50,000 of coverage per occurrence for identity theft compensation, plus an additional $10,000 for electronic data restoration |
Back-up of sewer or drain | Covers water damage costs if a sump pump fails or the sewer backs up and your home suffers water damage |
Chubb Homeowners Insurance Review: Bottom Line
Overall, Chubb ranks among our top two for home insurance policies, and we recommend contacting it for quotes. While Chubb may be a good provider, compare other options and pricing to get the best deal.
Chubb Home Insurance: FAQ
Below are answers to frequently asked questions about Chubb home insurance:
Is Chubb home insurance good?
Chubb earns the second spot nationally for home insurance overall, making it a dependable choice. It ranks fourth for affordability, first for customer satisfaction and second for its range of coverages.
How much is home insurance with Chubb?
Chubb home insurance for $250,000 in dwelling coverage averages around $2,480 per year, about $190 less than the national average. Your premium may vary from $600 to $29,892 annually.
How is Chubb's home insurance customer service?
Chubb's home insurance customer service ranking is the best in our study of the best homeowners insurance companies. It also ranked first in J.D. Power's recent home insurance customer satisfaction study.
How We Rated Chubb Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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.