Chubb Homeowners Insurance Reviews

Homeowners seeking coverage that goes beyond the basics may find value in Chubb homeowners insurance. Through Chubb, policyholders have access to a complimentary home assessment service to ensure they are covered for every major aspect of their property.

If you own rental properties that aren’t close by, Chubb may be able to help you keep an eye on things with its 24/7 emergency services, wildfire defense and HomeScan services.

Chubb says it makes contact within 24 hours from the first notice. If you make a claim, you have the option to cash out up to your policy limit and receive payment in as little as 48 hours.

Unlike some providers that offer an online quote tool, you can only receive a quote from an agent at Chubb. To get a quote, visit its website and click “Find an Agent” and share your location on your browser to begin. Once you’re paired with an agent you can contact them and provide your personal information to get started.

While each provider is different, you can expect to need to provide basic information, including:

1. Full name
2. Address
3. Phone and email
4. Property type (manufactured, rental, etc.)
5. Current policy type

Chubb Insurance offers comprehensive home coverage, but your premium will vary depending on different factors. For the latest premiums and costs, speak to a Chubb agent.

When you’re searching for insurance, the key thing to understand is that multiple elements play into an insurance premium, including:

• Location
• Property type
• Property age and condition
• Coverage needs

From here, a Chubb agent will be able to produce a quote that is catered to you and fits your needs and budget.

Chubb’s homeowners coverage is fairly comprehensive. Traditional homeowners policies include extras such as insulation replacement, tree removal and data restoration in the event of a computer virus. Chubb coverage may also include:

• Home assessment service to recognize potential coverage gaps
• Approximate 24-hour response times for claims
• Replacement costs extended past the norm
• Living expense additions (additional pay to cover the difference of living expenses if you need temporary housing)
• An option to take cash in the event of an accident (versus rebuilding)
• Personal liability limits up to $100 million