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 and has underwritten high-value personal lines for over 130 years. Their Masterpiece homeowners policy is built for homes typically valued above $750,000, writing agreed value coverage, meaning no depreciation is applied at claim time, along with extended replacement cost and a cash settlement option if the homeowner chooses not to rebuild. Claims are handled by dedicated adjusters experienced in high-value losses, covering the home, valuable articles such as a fine jewelry schedule or an art collection, autos, personal excess liability, yacht, and recreational marine under a single relationship. Available through Olive Cover for Georgia homeowners, particularly those in North Atlanta with significant personal property, collections, high-value vehicles, or net worth requiring $5 million or more in umbrella limits. See how Chubb Masterpiece fits high-value Georgia homes, or start a coverage review to check your fit.
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
Higher-value and custom homes wanting broad coverage and extended replacement cost; also recreational marine.
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. See our claims guidance for what to do after a loss.
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 is Chubb known for?
Higher-value home and personal coverage (Masterpiece) plus specialty commercial lines, with broad coverage and strong claims service.
Which Chubb personal lines are available through Olive Cover?
Chubb personal lines available through Olive Cover include high-value homeowners coverage, auto, a personal umbrella, and standalone valuables coverage.
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.