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Chubb insurance review 2024

Updated Oct 23, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.3
Rating: 4.3 stars out of 5
Bankrate Score
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Auto

Rating: 4.3 stars out of 5

4.3

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Cost & ratings

Rating: 4.2 stars out of 5

4.2

Coverage

Rating: 4.5 stars out of 5

4.5

Support

Rating: 4.1 stars out of 5

4.1

Home

Rating: 4.3 stars out of 5

4.3

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Cost & ratings

Rating: 3.8 stars out of 5

3.8

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 4.3 stars out of 5

4.3

About Bankrate Score

Bankrate's take

Policyholders with high-value assets seeking comprehensive coverage and extra coverage perks might consider Chubb as their company of choice. However, those prioritizing budget might find Chubb's above-average rates less appealing.

  • Extended replacement cost is included in standard homeowners insurance policies
  • Offers HomeScan services to help homeowners identify leaks, areas of insufficient insulation and faulty electric wires
  • Chubb auto insurance comes with a no per-day spending limit on rental car reimbursement coverage (up to $15K coverage limit)
  • Ranked above the industry average in the 2024 J.D. Power U.S. Property Claims Satisfaction Study

Chubb car insurance review

Chubb's Auto Bankrate Score of 4.3 out of 5.0 suggests the company's commitment to quality service and excellent coverage options for auto insurance. It may have scored higher, but it has relatively weak digital tools and an average premium that sits above the industry average. Therefore, Chubb may be a fitting choice for drivers seeking enhanced auto insurance coverage, particularly those who prioritize premium services over digital functionality and pricing.

Diving deeper into Chubb’s car insurance offerings, it provides a holistic suite of standard coverage types encompassing liability, comprehensive, collision and more. It offers exceptionally high coverage limits for liability and uninsured motorist coverage to those who qualify. One standout feature is Chubb’s Masterpiece auto insurance program. This program ensures that policyholders always receive original manufacturer parts for their vehicles; further, its coverage allows you to always select your repair shop of choice. In the event of a covered loss rendering the car undrivable, Chubb allows clients to rent a vehicle that matches or exceeds their original car’s standards. Its rental car coverage also extends worldwide.

Pros and cons of Chubb car insurance

When shopping for car insurance, coverage options and service may be just as important as cost for some drivers. Here’s a quick summary of the pros and cons of Chubb car insurance to make it easier to shop for the best car insurance for you:

Green circle with a checkmark inside

Pros

  • Masterpiece auto insurance program allows for use of original manufacturer parts in car repairs
  • No per-day limit on rental reimbursement; coverage is up to $15,000
  • 24/7 customer service team
Red circle with an X inside

Cons

  • Not rated in J.D. Power's 2023 Auto Claims Satisfaction Study
  • Online policy management not rated in J.D. Power's 2023 Insurance Digital Experience Study; shopping score in same study is well below industry average
  • Average car insurance rates higher than the national average
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Chubb car insurance cost

For 2024, average national cost of full coverage car insurance is $2,388 per year, and minimum coverage sits at $664 per year. In comparison, Chubb's average full coverage rate is 48 percent more than the national average at $3,542 per year. Minimum coverage is 56 percent more at $1,034 per year. This could be due to the company’s extensive extras and additional services, but keep in mind that individual rates will vary, as car insurance premiums are highly individualized.

How much is Chubb car insurance?

Having a moving violation on your driving record or being involved in an at-fault accident can impact your car insurance rates. Car insurance companies may add a surcharge (typically for three to five years) to your car insurance based on the frequency and severity of incidents on your driving record, although that doesn’t mean it’s impossible to save on car insurance. Below is a snapshot of how average car insurance rates with Chubb vary based on driving history. Note that not all carriers will insure high-risk drivers, like those with DUIs. If you have a DUI conviction, the best way to check whether it would write you a policy is to contact the company directly for a car insurance quote.

Good driver, good credit
Chubb full coverage premium
$3,542
National full coverage premium
$2,388
Chubb full coverage premium
$5,234
National full coverage premium
$4,372
Chubb full coverage premium
$3,983
National full coverage premium
$2,893
Chubb full coverage premium
$5,137
National full coverage premium
$3,396
Chubb full coverage premium
$7,743
National full coverage premium
$4,586

Chubb car insurance quotes by age

Car insurance rates vary by age in most states. Young drivers typically pay some of the highest car insurance rates due to their high accident rate and lack of experience. However, young adult drivers may be able to save a bit by remaining insured on their parents' policy — if their carrier allows it. Below you can see how average rates from Chubb stack up against the national average as you age.

Chubb full coverage premium
$4,790
National full coverage premium
$5,080
Chubb full coverage premium
$4,463
National full coverage premium
$4,376
Chubb full coverage premium
$6,758
National full coverage premium
$4,818
Chubb full coverage premium
$4,774
National full coverage premium
$2,929
Chubb full coverage premium
$3,724
National full coverage premium
$2,523
Chubb full coverage premium
$3,542
National full coverage premium
$2,388
Chubb full coverage premium
$3,058
National full coverage premium
$2,135
Chubb full coverage premium
$3,542
National full coverage premium
$2,388
Chubb full coverage premium
$3,058
National full coverage premium
$2,135
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Chubb car insurance rates

If you're shopping for car insurance, you'll likely see quite different rates between providers. Each company assesses risk and calculates premiums using its own formula, making it crucial for policyholders to compare rates to find the best fit for their needs and budget. Chubb, known for its high-end insurance products and services, typically has rates that are higher than the national average and those of many other well-known carriers. This pricing reflects Chubb's focus on offering extensive coverage options and exceptional service, catering to individuals who seek more than just basic insurance.

$3,542
$1,034
$2,743
$874
$2,254
$694
$3,054
$919
$1,921
$565
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455

Chubb customer satisfaction

When evaluating an insurance provider, it can be valuable to consider third-party ratings, as these often provide an unbiased perspective on the company's performance, service quality and overall reliability. Chubb was not scored by J.D. Power in the 2023 Auto Claims Satisfaction Study, but it was included in the shopping segment of the 2023 Digital Experience Study. Notably it does have the highest-possible rating from AM Best for financial strength, indicating a historic ability to meet financial obligations, like claim payouts.

J.D. Power Auto Claims Satisfaction Study

Chubb auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) is a reputable authority that provides complaint index ratios for insurance companies. The baseline for these indexes is set at 1.00. A score above 1.00 indicates that the insurer has a higher-than-average complaint rate based on its size. It's also worth noting that the NAIC differentiates complaint indexes based on product type, allowing a more precise evaluation of an insurer's performance in specific categories. Chubb's complaint index for its auto insurance product was slightly above baseline in 2021, but the carrier has since received fewer complaints than expected.

Chubb car insurance discounts

Chubb offers a handful of potential car insurance discounts to its customers, including common savings like a multi-policy discount, a driver training discount and a good student discount. Savings may vary by state, so it’s best to request a car insurance quote and ask for all discounts that you qualify for to be applied to see what your total savings might be.

  • Auto with home: By insuring both your home and vehicle with Chubb's Masterpiece policies, you could receive a percentage off your auto insurance where eligible.
  • Good student: This potential discount recognizes academic achievements by offering a rate reduction for students who maintain a high GPA.
  • Driver training: This discount opportunity rewards newly licensed drivers who have successfully completed an approved driver education course.
  • Accident prevention course: Those who complete an approved defensive driving course that emphasizes safer driving practices might be able to take advantage of this savings opportunity.
  • Air bag/passive restraint: For vehicles equipped with safety features like air bags, a discount might be available to reflect the reduced injury risk.
  • Anti-theft: Cars with security systems or anti-theft devices may qualify for a discount due to decreased theft risk.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Chubb
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Chubb home insurance review

Chubb home insurance could be a good fit for those who own high-value homes. The company’s home insurance product earned a 4.3 Bankrate Score due to its offerings, superior A++ financial strength rating from AM Best and low complaint index from the NAIC. However, the higher-than-average rates prevented Chubb home insurance from scoring any higher in our ranking model. The company did, however, win a Bankrate Award recognizing it as the best among those companies we studied for insuring high-value homes.

Chubb’s Masterpiece home insurance has many policy options designed for higher-value houses. Coverage types that are optional with other companies come standard with Chubb, which helps explain its higher average rates. For example, your policy will automatically include extended replacement cost coverage, which will help to repair or rebuild your home to its pre-damaged state, even if the cost is more than your coverage limit. You could even choose the company’s cash settlement option if you do not want to rebuild your home after a total loss.

Chubb also offers coverage for identity theft and home appliances and equipment, and its risk consulting program allows you to have a dedicated consultant visit your home to help ensure that your coverage aligns with your assets and potential vulnerability to future perils.

BEST INSURANCE COMPANY FOR HIGH-VALUE HOMES

A high-value home has unique considerations when it comes to home insurance. With Chubb, you can access a variety of policy add-ons, especially extended replacement cost coverage, to help rebuild your home after a covered accident. An extra perk is Chubb’s risk consulting program, in which a Chubb consultant can come into your home to survey any potential fire or security concerns before an accident occurs.

See why Chubb won
Awards

Pros and cons of Chubb homeowners insurance

Chubb homeowners insurance may have won a Bankrate Award for being our pick for the best for high-value homes, but there are other aspects to the carrier as well. If you’re thinking about Chubb homeowners insurance and how it compares to some of the best home insurance companies, here’s a quick summary to help you compare the company’s strengths and weaknesses when searching for home insurance quotes:

Green circle with a checkmark inside

Pros

  • Free consulting service helps customers make educated decisions regarding coverage and risk management
  • Some coverage add-ons come standard at no additional charge
  • Extended replacement cost coverage is standard
Red circle with an X inside

Cons

  • May have eligibility requirements based on home value
  • Scored well below segment average in the J.D. Power 2023 U.S. Home Insurance Study
  • Average premiums for home insurance may be more expensive than the national average
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Chubb home insurance cost

Like its auto insurance, Chubb home insurance is more expensive than the national average. For a policy with $300,000 in dwelling coverage, Chubb’s average annual premium is $3,524, compared to the national average of $2,285 per year. Keep in mind that Chubb sells coverage geared toward high-value homes and high-net-worth clients, though, so the added cost is likely due to the extensive coverage you’ll receive as part of your standard policy. Still, those perks may be too robust for the cost for some homeowners.

$150K dwelling
Chubb average premium
$1,939
National average premium
$1,394
$300K dwelling
Chubb average premium
$3,524
National average premium
$2,285
$350K dwelling
Chubb average premium
$3,853
National average premium
$2,550
$450K dwelling
Chubb average premium
$4,553
National average premium
$3,091
$750K dwelling
Chubb average premium
$6,388
National average premium
$4,525

Compare Chubb homeowners insurance rates

Insurance rates for homeowners can fluctuate considerably from one provider to another, as each company employs its own set of criteria for risk assessment and premium calculation. Factors such as the home's location, its features and coverage limits can influence the final quote you receive. Below you can compare the average cost of a policy with $300K in dwelling coverage from Chubb and some of the other largest home insurance companies.

$3,524
+ $1,239
$1,955
- $330
$2,288
+ $3
$1,448
- $837
$2,411
+ $126
$1,699
- $586
$1,691
- $594
$2,935
+ $650
$1,871
- $414
$1,681
- $604
$1,699
- $586
$1,691
- $594
$2,935
+ $650
$1,871
- $414
$1,681
- $604

Chubb customer satisfaction

When evaluating home insurance options, it's insightful to consider third-party ratings for a well-rounded view of customer satisfaction. These ratings can offer a glimpse into how existing policyholders view their insurer's service quality, claims handling and overall value. Chubb, with its focus on high-value properties and comprehensive coverage, often attracts a specific clientele, which is something to bear in mind when interpreting these ratings.

Chubb homeowners claims satisfaction

Chubb came in near the top of the pack in the 2024 J.D. Power Property Claims Satisfaction Study, indicating that customers are generally satisfied with the claims service they receive.

J.D. Power Property Claims Satisfaction Study

Chubb home insurance customer complaints

Look at the NAIC complaint index — which has a baseline of 1.0 — Chubb receives far fewer complaints than expected about its home insurance product.

Chubb home insurance discounts

Like its auto insurance discounts, Chubb’s home insurance discounts will vary by state and likely include other eligibility requirements. To determine which discounts you might be eligible for, speak with your Chubb agent. Here’s a list of common discounts offered with Chubb’s home insurance policies:

  • Home with auto: Insure your primary home and autos with Chubb and receive a credit on your homeowner insurance premium, where applicable.
  • Home with valuable articles: When homeowners insurance customers opt for valuable articles coverage from Chubb, they could obtain a credit on their homeowners insurance premium.
  • Superior protection credits – security perimeter: Chubb rewards homeowners who implement top-tier security measures, including closed-circuit TV cameras that are monitored 24/7, motion-activated detection systems external to the residence, and round-the-clock on-site security guards.
  • Full-time caretaker: Homes with a year-round, full-time caretaker could qualify for a special discount.
  • Temperature monitoring system: Homes equipped with a system that monitors against freezing temperatures and activates a central station alarm when necessary could net their owners an insurance discount.
  • Wildfire suppression system: Properties equipped with advanced wildfire suppression systems that can be manually activated, triggered through the telephone, or automatically set off by a fire sensor could help homeowners benefit from premium reductions.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Chubb

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Chubb with other insurers

While Chubb may be a great option for those seeking unique home and auto coverage options and increased limits, it is not the only option for people seeking these features. Whether you’re looking for stronger customer satisfaction or something else entirely, you might want to consider these alternatives to Chubb to help find the best fit for your insurance needs.

Badge Icon Featured

Chubb

Chubb
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4 stars out of 5
4.0

Coverage

Rating: 4.8 stars out of 5
4.8

Support

Rating: 4.2 stars out of 5
4.2

Nationwide

Nationwide
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.2 stars out of 5
4.2

PURE

PURE
Rating: 3.3 stars out of 5
3.3
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Cost & ratings

Rating: 2.7 stars out of 5
2.7

Coverage

Rating: 3.7 stars out of 5
3.7

Support

Rating: 4.5 stars out of 5
4.5
OVERVIEW
Info Icon
Policyholders who value bundling insurance coverage, robust coverage options or have unique coverage needs might consider Nationwide as their company of choice.
Privilege Underwriters Reciprocal Exchange, or PURE Insurance, is tailored to individuals with a high net worth. The company offers a wide range of insurance policies for high-value vehicles, homes and items, but may not be a prudent choice for the average American.
STANDOUT FEATURES
Info Icon
Document Icon
Numerous policy endorsements
Dollar Coin Icon
A variety of discounts
Briefcase Icon
Local agents available
Briefcase Icon
Local agents available
Document Icon
Tailored options
Loan Icon
Member Advocates claims support
AVG FULL COV. AUTO RATE
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$1,905 No rates available
J.D. POWER AUTO SCORE
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868/1000 Not Scored
AVG HOME RATE
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$1,699 $2,565
J.D. POWER HOME SCORE
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641/1000 Not Scored
AM BEST RATING
Info Icon
A+(Superior) Not Scored
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Chubb insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Chubb a good insurance company?

While its average rates may be higher than many other companies, Chubb's homeowners insurance offers standard coverage that is anything but standard compared to most of those companies, which may appeal to individuals looking for financial protection against damage to high-value homes. Its auto insurance is not far behind, featuring multiple add-ons to tailor the policy to your specific needs. In addition, Chubb’s AM Best financial strength rating is the highest possible, indicating that the company has met its claims obligations with no trouble, an important consideration for an insurance company.

Yet every provider has areas for potential improvement, and for Chubb, auto insurance customer experience might be one such area. Chubb’s scores in the J.D. Power studies it is rated in are typically below the industry average, indicating it may have some work to do in terms of making its customers feel satisfied with their experience.

What are real-life customers saying about Chubb?

To offer a more nuanced perspective on Chubb's home insurance, we've turned to real-life customer experiences shared on platforms like Reddit. It's important to remember that these experiences are highly individual and may not represent every customer's journey with Chubb, but they can offer useful context for those considering Chubb for their home insurance needs.

Reddit user 1
Oct 1, 2023
I bought a new custom house. Roof blew off in...
“I bought a new custom house. Roof blew off in a windstorm. Chubb: 1) Paid for everything 2) Organized contractor 3) NEVER second-guessed an estimate 4) Paid for ‘like’ accommodations during reno 5) After all the work was done, called me and said “You never claimed any contents damage, would you like to claim anything before we close out the file? Receipts are not necessary, a photo and a link to something similar is fine.’ They have a customer for life.”
Reddit user 2
Oct 1, 2023
...Chubb has also dropped multiple clients of...
“...Chubb has also dropped multiple clients of mine after they filed big claims like this. While I still think they are the best carrier to deal with, there are still other good carriers out there that don’t drop you right after a claim.”
Reddit user 3
Jul 1, 2023
You get what you pay for with Chubb’s...
"You get what you pay for with Chubb’s customer service and claims handling experience. They’ll never be the cheapest option but they don’t want to be. They’re firm in who they are and what they’ll write."

Chubb company details

State availability

Chubb is available in all 50 states. However, policies, products and services may vary in terms of availability based on your location. If you have questions about a specific offering, you can reach out using Chubb’s find an agent tool to get further information.

Chubb tools and benefits

These are some of the additional tools and perks that Chubb offers as part of its home and auto insurance, as well as some other insurance types.

  • Boat and yacht insurance: This coverage safeguards watercraft owners against potential losses related to their boats or yachts, from minor damages to significant mishaps at sea.
  • Classic car insurance: Tailored for vintage and collector vehicles, this policy provides specialized coverage that considers the unique value and characteristics of classic cars.
  • Condo insurance: Designed for condominium owners, this insurance offers protection for personal property and any parts of the unit not covered by the condominium association's policy.
  • Earthquake insurance: A policy specifically for damages caused by earthquakes, filling the gap as most standard home insurance policies don't cover such natural disasters.
  • Flood insurance: While standard home policies often exclude flood damages, this insurance provides coverage for losses incurred due to flooding.
  • Valuable items insurance: A policy for high-value possessions like jewelry, art, or antiques, ensuring they're adequately protected against loss, theft, or damage.
  • HomeScan Program: Before small issues become major problems, Chubb's HomeScan program can detect leaks, insulation gaps, and electrical anomalies, helping homeowners address them proactively.
  • Agreed Value Coverage: Instead of leaving the value of your car up to debate, Chubb lets you determine its worth upfront (within certain guidelines). If your vehicle is stolen or totalled, they'll hand over a check for the predetermined amount, potentially saving you significant money.

Frequently asked questions about Chubb

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes. 

Home

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2016 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

Additional profiles:

  • Coverage A, Dwelling: $150,000, $350,000, $450,000
  • Coverage B, Other Structures: $15,000, $35,000, $45,000
  • Coverage C, Personal Property: $75,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $70,000, $90,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

What policyholders are saying about Chubb

CTA Chubb has 25 reviews

Chubb has 25 reviews

Dive into community reviews below and see what others think about Chubb.

4.0 Star Icon
25 ratings
Info Icon
72% of consumers
recommend this insurer
Score breakdown
5 stars
48%
4 stars
24%
3 stars
16%
2 stars
4%
1 star
8%
Score by category
Overall rating 4.0 / 5
Original cost 3.8 / 5
Coverage 4.4 / 5
Customer Support 4.2 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Chubb.
Search Icon
Caret Down Icon
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Great customer service. Awesome plans and over all fantastic company
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Amazing customer service
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The rates were lower when we bundled auto and home
How does this insurer compare to insurance companies you’ve had in the past?
The ease of application and the coverage exceeds the coverage I had in the past for less
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I have heard it delivers consistent quality products and reliable service with the emphasis on value.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay with an insurance company if they gave all the tools and support necessary to be safe. I would leave if they take a long time answering your questions.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It meets expectations
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good coverage but too expensive
Insurance Type
Home
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The price was reasonable with the coverage I wanted.
How does this insurer compare to insurance companies you’ve had in the past?
This is my first home insurance. So far it's beeb easy, and better than I expected.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Very good service
How does this insurer compare to insurance companies you’ve had in the past?
It is very good service
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They had the best coverage for my needs.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
1. Best coverage for my fleet. 2. Better coverage and pricing.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They have great customer service
How does this insurer compare to insurance companies you’ve had in the past?
It has fun to use and I hope you are doing
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Excellent, premier service.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Price.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They have good coverage at a fair price r
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Poor coverage and high prices
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Ashlyn Brooks
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance