Chubb Insurance Company Review 2025

Trusted Choice's Chubb Insurance Score

3 Stars

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We award Chubb a final rating of three out of five stars. First off, the carrier has an extremely rich and long-standing history within the industry. Having the highest possible rating from AM Best certainly can’t be ignored, either.

The carrier’s wide range of coverage offerings are available not just nationwide, but across the globe. Customer service provided by Chubb seems to be excellent in terms of availability and user-friendliness. The carrier has one of the best websites of any insurance company and provides 24/7 claims reporting.

Chubb was founded in 1882, giving the carrier well over a century of experience in offering quality insurance solutions for a wide range of customers. Businesses and individuals across the country have entrusted Chubb with providing reputable coverage.

Chubb is one of the U.S.’s leading commercial lines insurers and the world’s largest publicly traded P&C insurance company. The carrier does business in 54 countries and territories.

However, Chubb is not currently accredited by the Better Business Bureau (BBB) and has a poor rating. There have been more than 100 complaints filed against the carrier in the past three years. 

Chubb is also known for having higher-than-average premium rates, though several discounts are available. Overall, we say go ahead and look into Chubb with your independent insurance agent. You just may also want to consider some additional options to be your next trusted carrier.

Chubb Pros and Cons:

Pros:	Cons:
Longstanding carrier	Poor BBB rating
Offers a wide variety of coverages	Not BBB-accredited
Offers personal and business policies	Many complaints filed through the BBB
Coverage offered nationwide and worldwide	Higher-than-average rates
“A++” (superior) rating by A.M. Best
Excellent customer service availability
Many discounts offered
24/7 claims reporting

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Chubb Insurance Products by Type

Chubb offers an extremely wide range of insurance options to both individuals and businesses. Its products include:

Chubb Homeowners Insurance

Chubb offers all the standard coverage you could need in its homeowners insurance policies. Included coverages are liability, dwelling, contents, loss of use, medical payments, and other structures. 

Chubb's home insurance policies also come with tree removal coverage, electronic data restoration coverage, and lock replacement coverage. The carrier also offers a couple of policy enhancement options.

Coverage types, features, and benefits:

Extended replacement cost

Chubb will reimburse the homeowner to repair or rebuild the home to its original condition, regardless of if the cost surpasses the policy's coverage limit.

Cash settlement

Chubb will offer the policyholder a cash settlement up to the policy limit if their home is declared a covered total loss and they choose not to rebuild or rebuild at another location.

Flood

Chubb offers optional flood coverage to protect against water damage and destruction to the home and contents caused by natural sources of water, such as hurricanes.

Excess liability

Chubb offers optional personal umbrella coverage to extend your policy's liability coverage limit in case of an expensive lawsuit.

Chubb Homeowners Insurance Average Prices

Chubb's average home insurance premiums are slightly higher than the national average. A policy with $350,000 in dwelling coverage costs an average of $1,810 annually from Chubb. The current national average for a policy with the same amount of coverage is $1,678 per year. 

Here are some average home insurance policy premiums from Chubb by dwelling coverage amount.

Chubb Homeowners Insurance Average Prices by Dwelling Coverage Amount

Chubb Auto Insurance

Chubb offers all the coverage you'd need to complete a full coverage car insurance policy. The carrier also offers several optional policy enhancements, including the following.

Coverage types, features, and benefits:

Personal information removal

Chubb offers coverage to delete your personal information that's stored in your car's systems, including phone contacts, garage codes, and GPS addresses, if your vehicle is totaled.

Worldwide rental car

Chubb offers rental car coverage globally. Coverage can reimburse policyholders for up to $15,000 for a rental vehicle.

Original equipment manufacturer (OEM) parts

Chubb offers an OEM coverage option in its collision and comprehensive car insurance policies. This allows policyholders to have their vehicle's original parts replaced with equivalents rather than aftermarket products.

Chubb Auto Insurance Average Prices

Chubb's average car insurance rates are also more expensive than the national average. A full coverage car insurance policy from Chubb averages $3,541 per year and a minimum coverage policy averages $1,034 annually. The current national average annual cost of a full coverage car insurance policy is $2,458, and a minimum coverage policy is $678. 

Here are some average Chubb car insurance prices by driver age.

Chubb Car Insurance Average Prices by Driver Age

Chubb's average car insurance premiums are cheaper than the national average only for teen drivers. In every other age category we studied, Chubb's car insurance prices were significantly higher than the national average rate. For a 25-year-old driver, Chubb's average full coverage policy premium is about $1,750 higher than the national average.

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

What Discounts Does Chubb Offer?

In addition to its many coverage offerings, Chubb also provides a wide range of competitive home insurance discounts, as well as discounts on other products. The carrier's discounts include:

An independent insurance agent can provide better discount information and premium quotes for coverage through Chubb. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Chubb Customer Service

Chubb allows customers to file claims and solve other issues over the phone or online, any time of the week. The carrier also provides the following customer service options:

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.

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