Chubb Insurance
Bottom LineHomeowners who qualify say that they get royal treatment from Chubb, an insurer that targets high-end homes. Clients and brokers say Chubb Homeowners Insurance is willing to pay more on repair claims to make sure workmanship is top-notch, and it has even paid claims it could legally have wiggled out of. Chubb sends appraisers personally to its clients' homes to get proper values for things like hand-painted tiles, and it has been known to fly in craftsmen from Europe to repair or replace special items. Chubb customers rarely find anything to complain about, and the company gets good ratings for financial strength. For the less wealthy, USAA Homeowners Insurance (for military only) and Amica Mutual earn as much praise from their customers and financial raters.Pros
  • White-glove customer service
  • No quibbling over claims
  • High financial strength ratings
  • Insures unusual, high-dollar homes
Cons
  • Good option for wealthy homeowners only