By Jon Merwin, Founder and CEO
Chubb is one of the best-known names in high-value home insurance, and it’s a carrier we place for clients with high-value homes. We write Chubb in every state where PAI is licensed (all New England states plus New York, Florida, Ohio and Illinois), including Massachusetts, from coastal homes on the North Shore and South Shore to large homes west of Boston. As an independent agency, we don’t only sell Chubb. We compare it with our other high-value carriers so you can see where it fits for your home.
Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005 and licensed in 10 states. We work with 40+ carriers. New Hampshire’s highest-rated agency on Google · 1,000+ Google reviews and over 2,000 testimonials.
Where Chubb fits among our high-value carriers
Chubb writes homes at any dwelling limit, so there’s no dollar tier where it starts or stops. What matters more is the home itself: how it’s built, where it sits, how it’s protected and what else you’d like to insure with it.
Cincinnati also writes high-value homes at any dwelling limit, and we often quote both for the same home. For many homes, Openly and National General are also worth comparing, since both fit homes up to about $5 million. Read more about how we choose carriers.
Chubb for Massachusetts homes
Massachusetts homes bring a mix of underwriting questions: coastal wind and flood exposure on the North Shore, South Shore and Cape, older and historic construction, and large custom homes in towns like Weston and Wellesley. We help you set a dwelling limit based on what it would cost to rebuild, not what the home would sell for, and we revisit it after renovations. See our guide to coastal Massachusetts high-value home insurance, or our Weston and Wellesley pages.
Flood insurance alongside your Chubb home policy
Homeowners policies, Chubb’s included, generally don’t cover flood. When we quote a Chubb home policy, we quote flood alongside it, so you can see both together. New NFIP flood policies go through Selective, and we can also compare private flood options, which may offer higher limits for a high-value home. Learn more on our flood insurance page.
Homes in New Hampshire, Connecticut and other states
If your home is outside Massachusetts, we’ll tell you which of our high-value carriers can write it and compare them side by side. Start with our guides to high-value home insurance in New Hampshire and high-value home insurance in Connecticut.
What to have ready for a Chubb quote
About the home
- Square footage, year built and any major renovations
- Updates to the roof, wiring, plumbing and heating, with approximate years
- Alarms, sprinklers, generators, and water-leak or low-temperature monitoring
- How the home is used: primary, second home, or rented at times
About the rest of your program
- A list of jewelry, art, wine or other collections, with appraisals or receipts if you have them
- Your current declarations pages for home, auto, umbrella and flood
- Your renewal dates, so we can plan timing
For a closer look at the carrier itself, read our local agent’s Chubb insurance review.
When you have a claim
Call us first at (603) 431-4020. We help you report the claim to the carrier, explain what to gather, such as photos, receipts, appraisals and repair estimates, and follow up with the carrier until the claim is resolved. The carrier makes the coverage decision, and we stay involved throughout. Carrier claim contacts are also listed in our carrier directory.
Comparing Chubb for your home?
Send us a few details and we’ll compare Chubb with our other high-value carriers. Call (603) 431-4020.
Every carrier makes its own underwriting decisions, and coverage, forms and availability vary by state and policy. Nothing on this page is a promise of coverage or eligibility. We confirm the details for your home before you rely on a policy.
Frequently asked questions
Do you write Chubb homeowners insurance?
Yes. Chubb is one of the high-value home carriers we work with, and we write Chubb in every state where PAI is licensed (all New England states plus New York, Florida, Ohio and Illinois), including Massachusetts. As an independent agency, we also compare Chubb with our other high-value carriers so you can see which fits your home.
Is there a minimum home value for Chubb?
There is no dollar tier we tie Chubb to. Chubb writes homes at any dwelling limit and is positioned for high-value homes. Whether it fits depends on the home, its location and the rest of your program, and Chubb makes its own underwriting decisions.
Does a Chubb home policy cover flood?
Homeowners policies generally exclude flood, so flood needs its own policy. When we quote a Chubb home policy, we quote flood alongside it, including NFIP and private flood options.
How does Chubb compare with Cincinnati?
Both write high-value homes at any dwelling limit, and we often quote both for the same home. The better fit depends on the home, its location and what else you want to insure, so we compare them side by side rather than favoring one.
Will you help if I have a claim with Chubb?
Yes. Call us first at (603) 431-4020. We help you report the claim, explain what to gather and follow up with the carrier until it is resolved. Chubb makes the coverage decision.
By Jon Merwin, Founder and CEO
Family-owned since 2005, with 1,000+ Google reviews and over 2,000 testimonials. Meet our team.