Chubb home insurance review

Chubb’s Masterpiece home insurance is for high-net-worth individuals and offers an elite level of cover that’s customised to each home.

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Nicola Middlemiss

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Pros

  • Get a free expert home appraisal to agree an appropriate sum insured.
  • High limits for contents including $50,000 for jewellery, $100,000 for precious metals, and no limit for fine arts or antiques.
  • Specific benefits for cyber crime, home invasion, child abduction, and other risks facing high-net-worth individuals.

Cons

  • Due to the tailored nature of the cover, you can't request a quote online.
  • Chubb doesn't offer home insurance designed for the average Australian home.
  • There's no option to purchase a standalone contents policy.

Features

It's difficult to compare Chubb with other popular home insurance providers as its level of cover is significantly higher than most other brands.

Chubb covers all the typical benefits offered by standard insurance, and regularly exceeds their limits, but also offers benefits that are rarely seen elsewhere, including up to $1,000 to purchase a generator if you need emergency power, up to $5,000 for taking emergency measures that might prevent or mitigate a claim, and up to $75,000 for identity fraud expenses.

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Finder Score - Home and Contents Insurance

Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.

Read full Finder Score methodology

How to make a claim

Chubb home insurance must be purchased through an insurance broker. When lodging a claim, it's recommended that the policyholder contacts their broker. For after hours emergencies where the broker can't be contacted, call 1800 726 226.

Chubb home insurance complaints information

According to data from the Australian Financial Complaints Authority (AFCA), a total of 50 complaints were lodged about Chubb's home and content insurance in the second half of 2023. This is higher than many other medium-sized insurers, including AIG (10) and Assetinsure (11). However, it's unclear if these complaints were about Chubb's previous home insurance policy, which was withdrawn from the market in early 2024.

FAQS

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 241 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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