INSURANCE CARRIER
Chubb Insurance
Premier coverage for high-value homes, collectibles, and affluent families in North Atlanta.
Personal Lines - Georgia
- File a claim 1-800-252-4670 · 24/7 phone; online portal available
- Online Account & claims portal
- After hoursChubb Personal Risk Services: 1-800-252-4670 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Chubb is the world's largest publicly traded property and casualty insurer. They specialize in high-value personal lines, writing Masterpiece homeowners policies for homes typically valued above $750,000. Chubb writes agreed value coverage with no depreciation at claim time, dedicated high-net-worth claims handling, and broad coverage terms including extended replacement cost.
Strengths
What This Carrier Does Well
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
Limitations to Know
Where They Fall Short
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
Tight appetite outside the high-net-worth segment
Right Fit
Who They Are Best For
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
- Line of Business
- Personal Lines - Georgia
- Coverage Types
- Homeowners, auto, valuable articles, personal excess liability, yacht, recreational marine
- 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
Pricing & Claims
What to Expect
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.
Pricing Context
Premium pricing. Not the cheapest option and does not try to be. Value is in coverage breadth and claims service, not rate.
Claims Experience
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.
Admitted Status: Admitted in Georgia. Licensed and regulated by the Georgia Department of Insurance. Policies are backed by state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
What makes Chubb the best choice for high-value Georgia homes?
Chubb is the world's largest publicly traded property and casualty insurer.
Is Chubb available in Georgia, and how do I file a claim?
Yes, Chubb is admitted in Georgia. File a claim 24/7 at 1-800-252-4670 or through the Chubb claims portal.
What homes is Chubb a good fit for?
Best for higher-value homes, valuable collections, or higher umbrella limits; usually not the lowest-cost option for standard homes.
What is Chubb known for?
Higher-value home and personal coverage (Masterpiece) plus specialty commercial lines, with broad coverage and strong claims service.
Does Olive Cover offer Chubb insurance?
Yes. Chubb is available through Olive Cover to place business across personal and specialty commercial lines.