Chubb Home Insurance Review: Service, Cost, & More (2024)

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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 22, 2024

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Does Chubb Have Good Customer Service?

MoneyGeek’s overall score for Chubbs is 88 out of 100 due to the insurer’s high stability and affordability scores. Our analysis combines financial stability, affordability and customer satisfaction scores. Chubb did rank lower in terms of affordability.

Customer Satisfaction Rating

An insurer’s customer satisfaction score indicates its claims experience. Based on MoneyGeek’s score, Chubb had a customer satisfaction score of 3.77 out of 5. J.D Power’s Home Insurance Study ranks Chubb among the top 20 homeowners insurance companies, with a score of 801 out of 1,000.

Customer Complaint Index

The National Association of Insurance Commissioners (NAIC) Customer Complaint Index also measures an insurer’s customer satisfaction score. Based on the NAIC scale, Chubb received a score of 0.21. This is significantly lower than the national median of 1.00 and implies that the company received fewer customer complaints than the average insurer.

Financial Stability Rating

The financial stability score of an insurer determines how likely it is to pay out claims. AM Best gave Chubb an A++ rating, indicating that the company has one of the highest financial strengths. Based on this rating, Chubb has a superior ability to meet its financial obligations.

What to Expect From Chubb Homeowners Insurance

Getting Chubb homeowners insurance coverage can be confusing if you have never applied for a policy from the insurer before. MoneyGeek outlined the following steps to help you learn what you should expect from the process.

Getting a quote

You can get a Chubb homeowners insurance quote by speaking to one of the insurer’s agents. MoneyGeek obtained quotes for this company that you can use to determine your coverage estimates.

Customer support

Chubb offers customer support online through the PRS Client Portal. Customers may also submit their inquiries via or speak with a representative using the insurer’s 1-866-324-8222 hotline.

Filing a claim

Chubb allows you to file a claim through various channels. These include the online portal, through your local Chubb agent and by calling 1-800-252-4670.

Canceling your policy

To cancel your Chubb homeowners insurance coverage, you can call the insurer at +65 6299 0988 or complete the Termination of Policy form and submit it through email.

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Chubb policyholders can file claims easily online, through an agent via a phone call to 1-800-252-4670.

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Chubb’s homeowners insurance is available in all 50 states (including Washington, D.C.). You can find a cost estimate and purchase your policy through an agent in your location.

How Much Does Chubb Homeowners Insurance Cost?

Homeowners insurance costs an average of $1,979 per year, although rates can vary based on your age, home location and mire. You can find out how much Chubb homeowners insurance costs by speaking to an agent.

Dwelling Coverage
Annual Premium







Various factors determine how much you pay for Chubb homeowners insurance, including your location, personal coverage, dwelling coverage and deductible amount.

A policy with a $250,000 limit may be a good starting point. However, your actual home insurance coverage amount will vary depending on your home’s value, and you may need to consider higher coverage levels.

You can use MoneyGeek’s home insurance calculator below to estimate how much you are likely to pay for your preferred coverage limit.







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Rates updated:

Jun 13, 2024

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Excellent (750-850)
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Rebuilding your home after damage can be expensive. While you may opt for a policy with lower coverage limits and deductible amounts, you may incur more costs if you need reimbursement money. You can avoid this by purchasing a policy with enough coverage to rebuild your home after damage.

What Discounts Does Chubb Offer?

Policyholders may qualify for Chubb homeowners insurance discounts. Chubb offers six discounts in total, which is slightly lower than the industry average of seven. Most of them are common among other insurance companies.



Chubb offers a discount to policyholders who bundle their home and auto insurance.

Protective Device

Chubb provides you with a discount if you have installed select protective devices, including fire alarms, burglar alarms, storm shutters and burglar alarms.

New Home

If you have a newly constructed home, you can save your premium with Chubb’s new home discount.

Home Renovation

You also get a discount on your homeowners insurance policy if you renovate your home.

Gated Community

Chubb offers discounts to policyholders who live in a gated community.

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You can save on your policy premiums by bundling your Chubb homeowners insurance with car insurance. If you have an existing car insurance policy with a different provider, you can renew your policy with Chubb to get a discount.

Which Coverage Types Does Chubb Offer?

What does Chubb homeowners insurance cover? Aside from standard personal property, dwelling coverage and liability coverage, Chubb also provides seven add-on coverage options. This is more than the industry average of five and includes common coverage options in addition to the scheduled personal property coverage.

Chubb also provides unique coverage, including risk consulting and cash settlement coverage. You can talk to an agent to understand the available coverage options.

Chubb exceeds the industry average with its seven add-on coverages that policyholders can purchase. You can review the coverage endorsements offered by Chubb below.

Extended Reimbursement

Chubb’s extended reimbursement cost coverage pays the cost of repairing or rebuilding your home to its original state after damage, even if the cost exceeds your coverage limits.

Building Ordinance or Law

Chubb covers the cost of upgrades made on your building by a coverage loss because of modern building codes.

Risk Consulting

Chubb works with risk experts who visit your home to assess any things that expose you to risk and recommend solutions that ensure you are fully protected.

Cash Settlement

With this optional coverage, policyholders who decide not to rebuild their home can receive a cash settlement from Chubb, up to their policy limits.

Contents Replacement Cost

You can choose to have contents replacement cost coverage if you want your personal property to get replaced at the exact cost without considering depreciation. You may also opt for a cash settlement.

Cyber Event/ID Theft

Chubb offers additional coverage for restoring lost data as a result of a computer virus.

Back-up of Sewer or Drain

This covers damage from water backup of interior drains and sewers up to your policy limits.

When purchasing homeowners insurance, you need to consider other factors than the cost of coverage. Taking the time to compare homeowners insurance quotes across insurers can help you find the best policy for your home.

For instance, earthquake, pest and flood damage are typically excluded in standard coverage but can be purchased separately. Chubb offers various earthquake and flood insurance policies but doesn’t offer pest or insect insurance.

While standard coverage may offer adequate protection, you may need to purchase additional insurance depending on your unique situation.

Personal Property
Personal Liability
Medical Payments

What Online Homeowners Insurance Tools Does Chubb Offer?

Chubb provides home insurance policyholders with various online tools and a mobile app that they can use to manage their policies. These tools and features are as highlighted below.

Mobile App
Flexible Payment Options
Online Bill Payment
Online Claims

Other Chubb Insurance Products

Chubb also provides several other types of insurance products, such as auto insurance, liability insurance, cyber insurance and natural disaster insurance. You can bundle your homeowners insurance with car insurance to save on premiums.

Type of Product


Chubb offers car insurance and classic car insurance options. These provide comprehensive protection to suit customer needs.


Standard homeowners insurance provides limited coverage for valuables in your home. Chubb offers a separate policy that protects valuable possessions, such as fine art, jewelry, antiques, wines and spirits and collectibles.

Liability insurance

This type of insurance from Chubb offers additional protection that is required when the liability limits of your existing policies are not sufficient to cover the cost of an accident or lawsuit.


Chubb offers cyber protection coverage that helps policyholders avoid the impact of identity theft, cybercrime, hacking, stalking and harassment.

Natural disasters

Chubb offers various policies that cover natural disasters and catastrophes such as floods, hurricanes, wildfires and earthquakes.


To evaluate Chubb as a homeowners insurance company, MoneyGeek analyzed the Chubb website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.