Finder makes money from featured partners, but editorial opinions are our own.

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.

No reviews yet. Write a review
Nicola Middlemiss's headshot

By

Nicola Middlemiss

Updated

Fact checked

Start comparing

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.

Name Product AUFHO Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Chubb Masterpiece Homeowners Insurance
Annually
View details
Best Rated Brand
Youi Building and Contents Insurance
Annually
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
Get a quoteView details
Best Rated BrandBonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Optional
Annually
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year's premium for new combined Home & Contents policies purchased online.
Get a quoteView details
Best Rated Brand
NRMA Home & Contents Insurance
Annually
View details
Best Rated Brand
Allianz Home and Contents Insurance
Monthly or Annually
Our verdict: Strong customer service record and pay monthly at no extra cost. You also get up to $5k for environmentally friendly upgrades if your home is destroyed.
View details
loading

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

Nicola Middlemiss's headshot
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 237 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
More resources on Finder

More guides on Finder

Go to site