Homeowners FAQs

What makes Chubb the best choice for high-value Georgia homes?

All FAQs

Quick answer: Chubb is the world's largest publicly traded property and casualty insurer.

Chubb, through its Masterpiece program, writes high-value Georgia homes because it is designed from the ground up for expensive, well-built, and custom properties rather than mass-market homes. If your home would cost a great deal to rebuild or contains custom finishes and valuable contents, Masterpiece offers protection a standard policy usually cannot match.

What sets it apart is the breadth of coverage:

  • Extended replacement cost, meaning Chubb pays to rebuild your home even if the final cost runs over your policy limit, which protects you when construction prices rise after a major loss.
  • Cash settlement option, letting you take a cash payout if you decide not to rebuild.
  • Generous coverage for valuables, landscaping, and additional living expenses while your home is repaired.

Here is a realistic example. A family near Alpharetta owns a custom home that would cost $1.8 million to rebuild. After a serious fire, rebuilding actually costs $2.1 million because of higher material prices. A standard policy capped at $1.8 million would leave a $300,000 gap, while Masterpiece’s extended replacement cost can absorb the overage and rebuild the home fully.

Chubb is available through Olive Cover, the brand of Olive Insurance Services, LLC. If you own a high-value home in Georgia, a free coverage review can confirm whether Masterpiece is the right fit, and you can read more about homeowners insurance.