Chubb is the world's largest publicly traded property and casualty insurer, rated A++ Superior by AM Best. They specialize in high-value personal lines, writing Masterpiece homeowners policies for homes typically valued above $750,000. Chubb is known for agreed value coverage with no depreciation at claim time, superior claims handling, and broad coverage terms including extended replacement cost.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Masterpiece policy with extended replacement cost and cash settlement option

Strength 2

White-glove claims service with dedicated adjusters for high-value losses

Strength 3

Strong appetite for jewelry, fine art, wine collections, and specialty items

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Premium pricing reflects coverage breadth; not competitive for standard mid-market homes

Weakness 2

Underwriting is selective; requires strong credit, clean claims history, and qualifying home value

Weakness 3

Tight appetite outside the high-net-worth segment

Best Fit For

North Atlanta homeowners with home values $750K+, significant personal property, collections, high-value vehicles, or net worth requiring $5M+ umbrella limits

Not A Good Fit For

Standard homeowners with properties under $400,000 or budget-focused buyers. Chubb's minimum premiums and eligibility standards exclude most mid-market Georgia homes.

APPETITE & COVERAGE

What They Write

Coverage Types

Homeowners, auto, valuable articles, personal excess liability, yacht, recreational marine

Best Pricing For

Chubb prices most competitively on homes $500,000 and above with extended replacement cost. Their pricing reflects coverage quality rather than cost-cutting, and they are not a match for buyers shopping on price alone.

Industry Classes

Admitted Status

CLAIMS & PRICING

What to Expect

Claims Experience

Industry-leading. Dedicated high-net-worth adjusters. Cash settlement option on total losses means clients do not have to rebuild to collect full policy value, which matters for older historic homes where rebuilding to original spec is often impractical.

Pricing Context

Premium pricing. Not the cheapest option and does not try to be. Value is in coverage breadth and claims service, not rate.

vs Competitors

Competes with AIG Private Client and PURE Insurance in the affluent segment. Chubb typically wins on coverage breadth and claims reputation; AIG sometimes wins on price for specific profiles; PURE is membership-based and has different dynamics.

STATE AVAILABILITY

Where They Write

States Available

Georgia, AL, FL, SC, NC, TN, and most other US states

Personal Lines States

GA, AL, FL, SC, NC, TN, and most other US states

Commercial Lines States

Do We Work With Them?

Yes

Active appetite for Georgia affluent market, particularly North Atlanta (Johns Creek, Milton, Alpharetta, Buckhead). Selective on coastal Georgia due to wind exposure. Strong fit for technology executives, physicians, and business owners with significant assets.

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How This Carrier Rates

AM Best

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