INSURANCE CARRIER
Chubb Insurance
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.
Personal Lines
- 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
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 high-value homes with significant personal property, collections, high-value vehicles, or the net worth that calls for $5 million or more in umbrella limits. See how Chubb Masterpiece
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 lower-value properties, or budget-focused buyers. Chubb's minimum premiums and eligibility standards exclude most mid-market homes.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Homeowners, auto, valuable articles, personal excess liability, yacht, recreational marine
- Carrier's Licensed States
- Available in most US states
- Personal Lines States
- GA, AL, FL, SC, NC, TN, and most other US states
Pricing & Claims
What to Expect
Best Pricing For
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: Licensed and regulated by the state insurance department in each state where it writes. 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.
Admitted Status: Licensed and regulated by the state insurance department in each state where it writes. 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.
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.