Is Chubb a good fit for my business?

Geared to mid-to-large or complex businesses (roughly $5M+ revenue); usually not the cheapest market for very small businesses.

Is Hanover a good fit for my business?

Geared to standard, preferred small and mid-size businesses (roughly $500,000 to $25M revenue); not the market for large or specialty risks.

Is Hanover a good fit for my home and auto?

Good value for newer homes and standard drivers, especially bundled home and auto; higher-value or non-standard homes may fit another carrier better.

Does Stillwater write manufactured homes and landlord policies in Georgia?

Yes, Stillwater writes manufactured (mobile) homes and landlord dwelling policies in Georgia where most standard carriers will not.

Is Nationwide Commercial a good choice for Georgia farms?

Yes. Nationwide Commercial is one of the few top carriers with genuine farm and agricultural appetite in Georgia.

What homes is Chubb a good fit for?

All FAQs

Quick answer: Best for higher-value homes, valuable collections, or higher umbrella limits; usually not the lowest-cost option for standard homes.

Chubb is built for homes that cost significantly more to rebuild than a standard policy is designed to handle. That includes custom construction, imported materials, architect-designed details, and finishes that local contractors may not be able to replicate quickly. When a rebuild estimate runs well above regional averages, standard replacement cost coverage can leave a gap. Chubb’s extended or guaranteed replacement cost options are designed to close that gap, even when construction costs spike after a major weather event.

Why do high-value homes benefit from Chubb’s coverage approach?

The fit extends beyond the structure. Owners of high-value jewelry, art, antiques, wine collections, and collectibles often find that standard personal property limits fall short. Chubb offers scheduled personal property coverage at agreed-value limits, meaning the payout on a covered loss is the agreed amount, not a depreciated figure. That matters when pieces are irreplaceable or when market values have risen since purchase.

For example, a homeowner in Buckhead with an antique furniture collection appraised at $120,000 and a jewelry collection valued at $85,000 may find that standard homeowners sub-limits cap personal property coverage far below those amounts. Chubb’s scheduled personal property coverage insures each item at the agreed value, so the settlement on a theft or fire loss matches what the items are actually worth.

How does Chubb handle personal property and collections?

Chubb’s agreed-value approach to personal property applies across a range of categories: fine art, jewelry, silverware, wine, musical instruments, and collectibles. Coverage can be scheduled item by item or blanketed under a single limit with no per-item cap, depending on how the policy is written. Scheduled items are insured for an agreed dollar amount set at policy inception, which removes the depreciation argument at claim time.

What liability protection does Chubb offer homeowners?

Chubb’s policies also tend to carry higher liability limits as a starting point, which can matter for homeowners who have domestic employees, frequently host guests, own pools or recreational equipment, or hold significant assets they want to protect beyond what a standard policy offers. Umbrella coverage pairs naturally here, and Chubb writes that too.

Which homeowners are not a strong fit for Chubb?

Homeowners with newer tract homes, modest rebuilding values, and no significant collections are generally better served by a standard carrier at a lower premium. Chubb targets a specific risk profile, and the premium reflects that. If a home’s rebuilding cost is in line with standard construction rates and personal property is well within base limits, the economics of Chubb may not pencil out.

What situations point to Chubb as the right carrier for a home?

A few indicators that Chubb is worth exploring:

The home has custom or hard-to-source materials, historic features, or unusual architecture.
A contractor estimate puts the rebuilding cost well above the current insured value.
Jewelry, art, or collectibles need coverage above what a standard endorsement provides.
The household has significant net worth or assets that warrant higher liability limits.
Previous claims have been straightforward but the homeowner wants more responsive, dedicated claims handling on the next one.

For example, a homeowner in Ansley Park with a 1920s craftsman house, custom millwork throughout, and an art collection faces a rebuilding cost that standard lumber-and-stick estimates cannot capture. A standard carrier insures the home for $400,000. A contractor estimate puts the actual rebuild at $620,000. Chubb’s guaranteed replacement cost provision covers the full rebuild cost after a total loss, regardless of the stated policy limit.

Chubb is available through Olive Cover for qualifying homes in Georgia. Whether it fits your property depends on the rebuild cost, the contents you need covered, and the liability exposure you are carrying. A coverage review with an Olive advisor can put the numbers side by side and tell you whether Chubb, or another carrier, gives you the right protection at a price that makes sense. Schedule a coverage review here.