Homeowners Insurance

With extended replacement cost coverage, after a covered loss Chubb will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.

If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, Chubb will help you find a place to stay where you'll be comfortable, whether that’s at a similar home in your school district if available or a suitable hotel.

Through complimentary home appraisals, Chubb's highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.

In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, Chubb offers a cash settlement, up to your policy limit. The choice is yours.

In the event that the things inside your home are damaged, Chubb will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we’ll replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. And Chubb doesn't require you to replace them. You may choose a cash settlement instead.

Clients can benefit from Chubb’s HomeScan^® service, which uses infrared technology to help detect problems that may exist or be developing behind your walls, like leaks, missing insulation, and faulty electrical connections, before damage occurs. A Chubb homeowners policy also includes extra coverages to help protect you in unexpected situations, ranging from tree removal after a storm, lock replacement if your keys are lost or stolen, and more.