Private Clients

Home and contents

With over 40 years’ high net worth experience, Chubb is widely regarded as a world leader in delivering carefully crafted insurance cover for fine homes and high value contents.

Our longstanding experience and expertise has resulted in pioneering cover, crafted out of an understanding beyond traditional risks.

Whether you own a single home or multiple properties around the world, we can cover anything from a Georgian rectory to a city penthouse, through our market-leading Masterpiece proposition.

This popular and dynamic policy is designed to protect you during times of loss, with unique cover and exceptional service that sets us apart from our competitors. Our customer satisfaction scores consistently exceed 95% positive feedback.

Our own team of expert risk consultants provides a unique in-house appraisal service to establish the rebuild cost of your property, and provide guidance on the sums insured needed for contents and valuable possessions, to deliver true peace of mind. And unlike many insurers, we don't impose restrictive conditions or warranties.

What does it cover?

  • All of your homes, UK and abroad are covered on the same policy as your main residence.
  • With our agreed value approach for valuables and cars, the result is accuracy and a speedy claims payment.
  • Following a Chubb appraisal, we will agree on the buildings and contents sum insured, including automatic cover for gardens and outbuildings.
  • For most homes, we guarantee that, whatever the cost, we will rebuild your home exactly as it was. In effect, giving you unlimited cover.

  • We let you choose the craftsmen for any repairs and refurbishments.
  • We also agree the contents sum insured. Then, for most homes, if this sum is insufficient to replace the contents, we will automatically increase it by up
to 25% without charging you more.

5 key benefits of Masterpiece

1) Your choice of contractor
We encourage you to choose your own contractors and craftsmen to repair your property following a claim.

2) Unique home and contents appraisal service
We don’t make underinsurance your problem. Our in-house experts will help establish the value of your property and contents to ensure you have the right amount of cover

> Find out more about our appraisal service

> Find out what our clients think

3) No restrictive conditions or warranties
We won’t limit your cover or restrict your lifestyle with onerous clauses. We rely on your natural concern to care for your possessions

4) We settle on a ‘new for old’ basis
When replacing your contents, Chubb pays you what it costs to replace the item today up to the value agreed on your policy

> Find out more about our claims service

5) All homes on one policy
Whether you own a country house and a city apartment or an extensive worldwide property portfolio, you can enjoy exceptional cover under the same policy as your main residence

CASE STUDY

An example of a Chubb home appraisal

A client wished to insure two London properties: his main home – a six bedroom house in its own grounds – and a mews house that he rents out.
> Read more...

Get in touch

Chubb’s range of solutions products for high net worth individuals is available exclusively through brokers.

For more information or to find your nearest specialist broker, please contact us

Download

Masterpiece home and contents brochure
Masterpiece home and contents brochure
Three pillars of service excellence: a special high net worth report from Chubb

Three pillars of service excellence: a special high net worth report from Chubb
The insurance industry is only as good as the service it provides. Of course, excellent service means different things to different people. In this research, we explore what it means for today’s high net worth individuals.