Updated: November 12, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
Chubb ranks third nationally for customer experience with a 4.59 out of 5 score.
Average cost hits $369 monthly ($4,431 yearly) for $250,000 in dwelling coverage.
Chubb homeowners pick from multiple valuable add-ons: 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.
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 $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.
| $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 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, though availability can vary depending on your state.
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. 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 | Pays full repair or rebuild costs after a covered loss, even when expenses exceed your policy limit. Includes upgrades required by modern building codes. |
Replacement Cost Coverage | Replaces damaged or destroyed belongings at today's prices without depreciation. You can take a cash settlement instead of replacement. |
Wildfire Defense Services | Year-round wildfire monitoring, prevention and mitigation through Wildfire Defense Systems. Get assessments, property protection and post-fire cleanup at no extra charge. |
Hurricane Protection | Assistance for secondary or seasonal homes hit by hurricane-force winds. Automatic home inspections, claim submission and short-term repairs through Chubb's Property Manager service. |
GreenWise Upgrade Coverage | Rebuild or repair using eco-friendly materials and energy-efficient upgrades after a covered loss. Protection reaches up to 100% of your home's value. |
Home Appliance and Equipment Breakdown Coverage | Pays for sudden mechanical or electrical breakdowns of home systems and appliances. Repair or replacement without depreciation. |
Standard Chubb homeowners insurance skips certain losses, especially those 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.
Buy home insurance from Chubb through its website or directly with a licensed agent. Both options let you customize coverage and find protection matching your home's value and location.
Figure out how much home insurance you need to protect your property. Get rebuild cost estimates from a professional. Create a home inventory to nail down coverage limits covering all your belongings.
Go to Chubb's website or contact an agent for a personalized quote. Share details about your home, location and desired coverage for an accurate estimate.
Review coverage options, deductibles and add-ons before deciding. Compare these details to pick a plan balancing protection and cost.
Ask about Chubb's discounts to cut your premium. Qualify for savings by bundling policies, installing protective devices or staying claim-free.
Review policy details before buying: coverage limits, exclusions and endorsements. Complete your purchase online or through your agent to activate coverage.
File a home insurance claim with Chubb through the mobile app, website or by calling an agent.
Notify Chubb immediately after the incident. Share key details: loss date, damage type and immediate repairs needed to prevent further harm.
Photograph or take videos of affected areas and list damaged belongings. Documentation verifies your claim and speeds up assessment.
A Chubb claims adjuster will visit to inspect damage. They'll evaluate repair costs and confirm coverage under your policy.
Review settlement details carefully once your claim is approved. Chubb coordinates contractors and restores your home to 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.
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:
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.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
