Chubb Homeowners Insurance Reviews

  • 2.85 / 5 based on 17 Reviews | Submit Your Review
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    Chubb insurance was originally founded in 1882 as an insurer of marine equipment. Today, the company insures auto, home and property nationwide and the United States territories of Puerto Rico and the Virgin Islands. Chubb insurance is also a major provider of business insurance, including property and liability coverage.

    Financial Ratings

    A.M. Best:A++
    S&P Rating:AA
    Moody's Rating:Aa2
    Fitch Rating:AA

    Company Information

    15 Mountain View Road
    Warren, NJ 07059
    (908) 903-2525
    (908) 903-3805 (Fax)
    http://chubb.com


    Last Updated: 2020-05-19

    Company Reviews (17)

  • 3 of 3 people found the following review helpful.

    they lied, cheated, and took 2 months to answer, October, 2019

    I have a luxury home, and have Masterlpiece coverage. I've had it for years. I had a bad rain storm, and it cause some damage. I had roofers come out and got 4 quotes.

    Chubb denied the claim because 2 tiles on my concrete tile roof were cracked. They can easily be replaced by two I have on hand.

    • Homeowners Insurance
    • Albuquerque, NM
    • 82 Year Old
    • Customer for 5+ Years
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  • 2 of 2 people found the following review helpful.

    Refused to file a claim, April, 2019

    Items stolen from my vehicle. Representative refused to file a claim citing off premises limitations the way the policy was written

    • Homeowners Insurance
    • New York, NY
    • 43 Year Old Male
    • Customer for 6 Months - 1 Year
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  • 63 of 67 people found the following review helpful.

    Vastly overpriced and misrepresented premium costs, March, 2016

    We had CHubb for 6 years after USAA steered us to them. Our yearly premium was almost 6K a year. We asked them multiple times about reducing the premium by auditing their cost factors for the premium, and each time they informed us the rebuild costs would be over 2.2 million for our home. FInally fed up, we shopped quotes and literally each one was cheaper by 30%. We got a new policy with ASI that is a little over 50% of what we were paying. Instead of just accepting that we were cutting them loose, Chubb insisted we pay an extra month of premium plus late payment because we allegedly did not let them know we were cancelling their policy in a timely manner (we did, actually). We have found them to be deceitful at every turn and to be driven solely by making grabs at higher premium based upon false estimates. I can just about guarantee they would NOT pay 2.2 million for a total rebuild of our home, but would likely pay the amount we are now insured for on our new carrier policy. But they certainly had no qualms about taking premium based upon the old figure. Shame on Chubb and we will not EVER insure with them again on any line of insurance we have.

    • Homeowners Insurance
    • Alpharetta, GA
    • 43 Year Old Male
    • Customer for 3 - 5 Years
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  • 20 of 23 people found the following review helpful.

    A horrible company. Do not use., November, 2016

    This company took over for Fireman's. They never seemed to know who was responsible for a policy. I had a policy with them for about 30 days; I cancelled the policy because I moved. I am still being billed for a policy on a building I no longer inhabit. I would never recommend this company and would suggest choosing other options.

    • Homeowners Insurance
    • West Hollywood, CA
    • Customer for Less than 6 Months
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  • 5 of 6 people found the following review helpful.

    Beware of Chubb Custom Insurance Co. , November, 2019

    Our house burned down on 12/17/10

    Chubb rescinded our policy 02/15/12 claiming "Misrepresentation in the Application."They have an Agency Agreement w/ the Agency "Loyalty to each other" (2 AGAINST 1) Chubb didn't require an application in word or deed.

    Came to trial 1/4/16, 10 days 16 questions, we won the verdict of 8 jurors 8-0. Judge reversed it & charged us w/misrepresentation in the application." That is the financial strength of Chubb. Win they must at all cost,& they do.. BEWARE they are dishonest to the core. Defamed us, falsified documents, using their combined (Chubb & the Agency) employees as needed. It is been 9 years & 11.5 month, they ruined us.

    Eva Sesztak

    J. & E. Se sztak

    • Homeowners Insurance
    • Skillman, NJ
    • 76 Year Old Female
    • Customer for Less than 6 Months
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  • 9 of 11 people found the following review helpful.

    The insurance company that doesn't pay. , October, 2017

    My house has been soaked in water and I fixed it with minimum expenses. They just didn't pay for the excuse of the house has been vacant for more than 30 days. They were that cheap that did not pay less than $4000 after my deductible. I will not renew with them and I encourage you not to bother working with this company.

    • Homeowners Insurance
    • Gainesville, FL
    • 52 Year Old Male
    • Customer for 2 - 3 Years
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  • 30 of 37 people found the following review helpful.

    Over Priced, March, 2015

    Chubb was extremely overpriced. My home was appraised over the past several years at $650K down to $538K due to market conditions but Chubb kept increasing the value of the house alone up to $1,057,000.00. When questioned about this they were annoyed with me and were uncooperative. The premium I was paying was 3 times the amount other carriers quoted. I dumped Chubb.It was partly my fault for not paying closer attention. I trusted them too much.

    • Homeowners Insurance
    • Jackson, NJ
    • 66 Year Old
    • Customer for 5+ Years
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  • 19 of 24 people found the following review helpful.

    Excellent Coverage!, November, 2015

    Our house burned down in the Valley Fire in Lake County, CA on 9/12/15. Chubb responded immediately and was there in every area of support - we had a direct cell number to reach our claims adjuster and a direct email address to contact him. (With State Farm who insured our business there was no direct cell number or email, all contact went through a convoluted phone system and you had to wait days until someone returned your call and they were never the same person).

    Chubb not only covered our home but included an "inflation adjustment" which raised the value of the coverage, same with our replacement costs.

    In addition, our claims adjuster took the time to be familiar with our policy and noticed that we had other coverage we were not aware of which amounted to quite a bit of extra money.

    One of the best things about Chubb is there is NO depreciation on replacement items. As far as we know ALL insurance companies depreciate your personal items with a "life expectancy table".

    You can't go wrong with Chubb! Chubb sent checks immediately! Great Insurance company, worth every extra penny.

    • Homeowners Insurance
    • Middletown, CA
    • 69 Year Old Female
    • Customer for 5+ Years
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  • 2 of 3 people found the following review helpful.

    vacated the apartment up northany, February, 2013

    any request was taken care of immediately

    • Homeowners Insurance
    • Longboat Key, FL
    • 94 Year Old Female
    • Customer for 5+ Years
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  • 5 of 8 people found the following review helpful.

    Outstanding, July, 2015

    Outstanding coverage and service, but not the cheapest insurance available.

    • Homeowners Insurance
    • Jacksonville, FL
    • 65 Year Old Female
    • Customer for 5+ Years
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  • 1 of 1 people found the following review helpful.

    Chubb wrote a unique farm/home policy, February, 2019

    Chubb was the only company that would comprehensively cover us for any sort of claim on our farm. They covered for EVERYTHING horse related and our home, even people riding across our farm without our permission. We had a huge wooden pavilion burn to the ground with a large amount of furniture under it. They gave us NO PROBLEM with the claim. They didn't argue with furniture, even though we didn't have receipts or pictures. We LOVE CHUBB!

    • Homeowners Insurance
    • Wentzville, MO
    • 69 Year Old Male
    • Customer for 5+ Years
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  • 2 of 5 people found the following review helpful.

    May, 2016

    • Homeowners Insurance
    • Groton, CT
    • 57 Year Old Female
    • Customer for 5+ Years
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  • 2 of 5 people found the following review helpful.

    September, 2012

    • Homeowners Insurance
    • Ossining, NY
    • 53 Year Old Female
    • Customer for 5+ Years
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  • 2 of 6 people found the following review helpful.

    Homeowners Policicy, May, 2013

    • Homeowners Insurance
    • Fort Lauderdale, FL
    • 58 Year Old Female
    • Customer for 5+ Years
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  • 1 of 3 people found the following review helpful.

    May, 2014

    • Homeowners Insurance
    • Winter Park, FL
    • 81 Year Old Female
    • Customer for 5+ Years
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  • 1 of 3 people found the following review helpful.

    December, 2012

    • Homeowners Insurance
    • Tinton Falls, NJ
    • 60 Year Old Female
    • Customer for 5+ Years
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  • 2 of 7 people found the following review helpful.

    August, 2013

    • Homeowners Insurance
    • Kissimmee, FL
    • 65 Year Old Female
    • Customer for 3 - 5 Years
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