Chubb Car Insurance

3.4 10 reviews
You're shopping in zipcode 79504 Change


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Company Name Ratings
A.M. Best A++
Standard & Poor's AA
Fitch AA
Moody's A3

Payment Methods

  • Complete Tick Automatic Online Payments
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Electronic Check
  • Complete Tick Mail Payment
  • Complete Tick Multi-payment Installment Plans
  • Complete Tick Online Payment
  • Complete Tick Phone Payment -IVR

Features and Services

Chubb Insurance offers claims services 24 hours a day, 7 days a week online, over the phone, or over their mobile app, with expedited service for water and smoke damage. 

Chubb pays out most claims within 48 hours of settlement. 

Chubb also has a Mobile Estimate App that allows you to estimate auto damage following an accident.

In addition to their insurance products, Chubb provides risk management services such as property appraisals, hurricane assistance, identity management, and more.


  • Roadside assistance Roadside assistance
  • 24/7 service 24/7 service
  • Online account management Online account management
  • Text and email alerts Text and email alerts

Optional Coverage

  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Original Equiptment Manufacturer Coverage

Chubb Insurance Products

Chubb offers a variety of home insurance products to cover your specific living situation. So whether you live in a condominium, cooperative, apartment, townhome or custom built residency Chubb has your covered.

Available coverages may vary by state, but will most likely include:

  • Extended Replacement Cost: Covers the repair or rebuilding costs to return your home to its original beauty-even if the cost exceeds your policy limit after a covered loss.

  • Cash Settlement: Choose a cash settlement if you decide not to rebuild your home or you decide to rebuild it in another location.

  • Risk Consulting: Complimentary home appraisals.

  • Additional Living Expenses: Covers the cost of a temporary residence while your home is being repaired/rebuilt.

  • Replacement Cost Coverage: Covers belongings for the amount they cost today, regardless of depreciation, up to the limit you chose on your policy. You may also choose a cash settlement.

  • Flood Insurance

  • Equipment Breakdown Coverage: Does not cover normal wear and tear or appliances, but provides coverage for sudden and accidental breakdowns.

Chubb also offers Family Protection Insurance along with their home insurance coverages.

Their Masterpiece® Family Protection coverage helps cover expenses if you or a family member is a victim of home invasion, carjacking, stalking threats, road rage, or cyberbullying.

This coverage will reimburse medical expenses, psychiatric services, additional security measures, or a hire of a public relations firm or a forensic analyst.


Chubb’s Auto Masterpiece policy allows you to customize your coverage to completely fit your needs. They also offer optional protections not found in standard car insurance policies.

Available coverages may vary by state, but will most likely include:

  • Agreed Value Coverage: Agree on the value of your car when writing your policy and get that exact amount if your vehicle is stolen or totaled by a covered loss.

  • Choice of Repair Shop

  • Rental Car Reimbursement: Up $15,000, with no per-day limit.

  • Original Equipment Manufacturer (OEM) Parts

  • High Coverage Limits for Liability and Uninsured/Underinsured Motorists (UM/UIM) Coverage: up to $10 million in auto liability and $1 million in UM/UIM protection.

  • Worldwide Rental Car Coverage

Chubb also offers collector cars coverage with flexible coverage and excellent claims service. Your coverage will not be limited based on hobby activities like exhibits or parades.

A few of these coverages include:

  • “Agreed Value” Coverage That Can Increase With The Value of Your Car: Agree upon the value of your car written into your policy and  increase the coverage to the proper market value anytime prior to a covered loss.

  • Choice of Body Shop

  • Coverage For Newly Acquired Autos Worldwide: Coverage automatically extends to any new collector cars, anywhere in the world for 30 days from the date of purchase.

  • No Deductible

Chubb offers a variety of comprehensive condo and co-operative insurance coverages with their Masterpiece Condo and Co-op policies.

Available coverages may vary by state, but will most likely include:

  • Additions & Alterations Coverage: Covers home improvements like custom counters and cabinetry, imported tile flooring, bathroom upgrades and home theater systems for the amount they’d be worth at the time of the loss.

  • Loss Assessment Coverage: Covers your share of the association deductible for a shared loss to a common area such as a pool or clubhouse.

  • Risk Consulting Expertise: Covers property appraisal.

  • Additional Living Expenses: Covers the cost of temporary housing while your condo is being repaired.

Chubb’s Masterpiece renters insurance coverage offers a broad range of coverage for your personal belongings potential risks.

Available coverages may vary by state, but will most likely include:

  • Replacement Cost: Full replacement coverage for your personal belongings.

Worldwide car rental coverage: when your liability limit is $1 million or more.

Chubb provides a variety of watercraft insurance coverages for your mall boats, yachts, luxury mega-yachts, and more.

Small boats under 27’ in length can be insured with Chub’s Boatsman Policy

Available coverages of the Boatsman Policy may vary by state, but will most likely include:

  • Agreed Value Coverage

  • Replacement Cost Loss Settlement

  • Liability Protection

  • Medical Payments

  • Uninsured Boater Coverage

  • Longshore and Harbor Workers’ Compensation Act (LHWCA): Coverage is automatically provided for those employed on the vessel.

  • Personal Property & Fishing Equipment Coverage

  • Towing & Assistance

  • Trailer Coverage

Optional small boat coverages include:

  • Boatsman Policy with Actual Cash Value Endorsement: Covers insured boat up to the current value, including depreciation.

  • Boatsman® Endorsements:

    • Replacement Cost for Outdrive Units and Outboard Motors: Covers replacement cost for outboard motors and outdrive units that are 5 years old or newer.

    • Special Sport Fisherman Coverage Endorsement: Cover fishing gear up to $2,500 or $10,000 with a $100 deductible.

Yachts 27’ or larger and worth $3 million or more can be insured under Chubb’s Yacht Insurance.

Cover options for yachts include:

  • Agreed Value Coverage

  • Replacement Cost Loss Settlement: Covers repair or replacement cost regardless or depreciation.

  • Liability Protection

  • Medical Payments

  • Uninsured Boater Coverage

  • Oil Pollution Act of 1990 (OPA) Coverage: Included with liability; Covers liability costs up to the required OPA statutory limits.

  • Marine Environmental Damage Coverage: Covers up to $10,000, per occurrence.

  • Longshore and Harbor Workers’ Compensation Act (LHWCA): Included with liability; coverage provided employees on your vessel.

  • Personal Property & Fishing Equipment Coverage

  • Search & Rescue / Emergency Services Coverage

  • Towing & Assistance

  • Tender/Dinghy Coverage

  • Trailer Coverage

  • Boat Show & Demonstration Coverage:

  • Automatic Coverage for Marinas as Additional Insured:

  • Hurricane Haul-Out Coverage

  • Paragon Yacht® Endorsement: Coverage for finer, high quality vessels. Includes benefits such as:

    • Electronic Navigation and Communications Equipment Coverage, no deductible

    • Firearms Coverage

    • Rental Reimbursement Coverage

    • Passport and Proof of Identification Replacement Coverage

    • Bottom Inspection Coverage

    • Captain and Crew Liability Coverage

    • Personal Property Coverage for Crew

    • Moped, Motorbike and Motorcycle Coverage, while onboard and not in use

    • Unscheduled Fine Arts Coverage

  • Sport Fishing Endorsement: Includes coverage for increased fishing tackle benefits, expanded coverage for vessels with full-time captains, occasional charter coverage.

  • Partial Loss Actual Cash Value Endorsement: Provides a cash settlement for yachts over 10 years old.

Chubb’s Mega-Yacht insurance policies provide significantly increased benefit levels for yachts valued over $3 million.

Cover options for mega-yachts include:

  • Hull Deductible Waiver

  • No Depreciation: Applies to machinery inside the hull, personal property, crew personal property and personal watercraft.

  • Occasional Charter Coverage

  • Medical Payments

  • Captain and Crew Liability Coverage

  • Marina as Additional Insured

  • Mooring or Slip Rental Agreement Waiver

  • Legal Defense Protection

  • Deductible Free Coverage

Chubb provides extended liability insurance that take effect when you reached your liability limits of your home or auto policies.

Personal Excess coverage may vary by state, but will most likely include:

  • Property Damage and Bodily Injury

  • Personal Injury

  • Defense Costs

  • Excess Uninsured/Underinsured (UM/UIM) Motorists Protection

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Company History

Chubb was founded in 1882 in New York City and today provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance. 

The Chubb Corporation is world’s largest publicly traded property and casualty insurance company after its acquisition by ACE Limited in January 2016. 

Currently, Chubb operates in 54 countries and serves a diverse group of clients. 

As of 2016, Chubb had more than $160 billion in assets and $35 billion in written premiums. 


Chubb Reviews

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Most Helpful Review
By Insurify User
August 4, 2009

I've had many carriers, chubb is the most customer focussed. Their premiums are not the cheapest, but their coverage and service is excellent. One point that's very important: you do not need to close out a cliam in order to be partially reimbursed. This is very helpful for claims that take a while to adjust.

Most Recent Review
November 3, 2017