• It’s the one investment you should get emotional about.

Why do you insure your home? The answer may seem obvious: Your home is an investment, and homeowners insurance helps protect that investment. But there’s more to it than that — because your home is unlike anything else in your portfolio.

Home Coverage Highlights

What's in a Chubb Masterpiece® homeowners policy? Here are just a few key features that give you choices in coverage, broader protection than standard policies, and peace of mind.

  • 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 beauty-even if the cost exceeds your policy limit. We will even pay for necessary upgrades due to modern building codes.
  • 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.
  • Risk Consulting: Chubb offers complimentary home appraisals for many homes that we insure. Chubb's highly trained appraisers will visit your home to carefully note the home's features, estimate the home's replacement cost and help you determine the amount of coverage you really need. Our appraisers also assist with security and fire prevention advice.
  • Additional Living Expenses: If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, Chubb helps cover the reasonable increase in your normal living expenses. This allows you to maintain your fine standard of living while you must be away from home. Typical policies limit coverage to a percentage of your home's insured value.
  • Replacement Cost Coverage: In the event that the things inside your home are damaged, Chubb insures most belongings 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.

Related Resources

Helpful Tips. Learn More.

The Chubb Masterpiece policy offers competitive policy discounts for security, fire, and burglar alarm systems and other protective measures.

* Extended Replacement Cost Coverage is capped in AL, CA, FL, HI, LA, MS, SC, and WY.
Rebuilding to code coverage is capped in AL, CA, FL, HI, LA, MS, SC, and WY.
Additional living expenses are capped in AL, CA, FL, HI, LA, MS, SC, and WY.

Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

The Value of Chubb City Home Insurance
The Real Deal about Vacation Home Insurance