Personal Lines

Chubb Insurance

Premier coverage for high-value homes, collectibles, and affluent families in North Atlanta.

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Financial Strength

A++ Superior

Highest = A++. Fewer than 5% of carriers qualify.

Customer Satisfaction

Top tier nationally in 2025 for home insurance. Top performer for property claims experience.

J.D. Power 2025. Higher score = better customer satisfaction.

Complaint Record

Tracks below the industry average, consistent with the high-net-worth service model.

Below 1.0 = fewer complaints than industry average. Lower is better.

Who This Carrier Fits

Best Fit Profile

Best fit profile

Best Pricing For

Best pricing context

Not a Good Fit For

Not a good fit

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Chubb

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.

This is what the claims process actually looks like based on published data and complaint records.
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.

How They Compare

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.

Do We Work With Them?

Yes

Georgia Appetite

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.

✓ Strengths

Masterpiece policy with extended replacement cost and cash settlement option

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

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

⚠ Weaknesses

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

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

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.

Coverage