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We want to protect your house so it always feels like home.

Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll want more than a check from your insurer. You’ll want your life back, and to rebuild without hassles, headaches, or delay.

What we are doing for you

What's in a Chubb Masterpiece® homeowners policy? Here are just a few key features that give comprehensive protection:

Extended Replacement Cost

With extended replacement cost coverage, after a covered loss Chubb will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.

Risk Consulting

Through complimentary home appraisals, Chubb's highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.

Temporary Living Arrangements

If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, Chubb will help you find a comparable place to stay where you'll be comfortable, whether that’s a similar home in your school district or at a premium hotel.

Cash Settlement

In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, Chubb offers a cash settlement, up to your policy limit. The choice is yours.

Replacement Cost Coverage

In the event that the things inside your home are damaged, Chubb will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we’ll replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And Chubb doesn't require you to replace them. You may choose a cash settlement instead.

The Extras

Extras aren't extra with Chubb. A Chubb homeowners policy includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, restoration of electronic data destroyed by a computer virus, or lock replacement if your keys are lost or stolen. Chubb clients can also benefit from HomeScan, which can reveal leaks, missing insulation, and faulty electrical connections before damage happens.

A Claim with Chubb means to be treated with fairness.

When a leak in Paul's kitchen required a complete renovation, Chubb was there every step of the way.

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