Chubb Masterpiece® Homeowners Insurance
Luxury HomesChubb
4.7
Premium policy for high-value homes ($750K+). Cash settlement. Extended replacement.
Editorial score
4.7 / 5
Product type
home insurance
Our take
Chubb's Masterpiece® policy is the gold standard for high-value homes. It offers extended replacement cost (paying 50–100% above limits if needed), cash settlement at full replacement value without requiring repairs, and includes additional living expenses with no dollar cap. Minimum home value ~$750,000.
Is this right for you?
Sign up (free) and we'll tell you if this product fits your specific budget and goals.
Check my fit →Takes 2 minutes · No credit check
Full details
| best for | High-net-worth homeowners with properties valued at $750K+ |
| specialty | High-value homes, art, jewelry, collections |
| am best rating | A++ |
| jd power score | 889 |
| headline metric | Premium tier pricing |
| home value tier | luxury |
| secondary metric | Extended replacement + cash settlement |
| states available | All 50 states |
| bundling discount | up to 15% |
| minimum home value | $750,000 |
| discount highlights | Protective devices, claims-free, multi-policy, wind mitigation |
Frequently asked questions
What should I compare besides premium for Chubb Masterpiece® Homeowners Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Chubb Masterpiece® Homeowners Insurance right for me?
Chubb's Masterpiece® policy is the gold standard for high-value homes. It offers extended replacement cost (paying 50–100% above limits if needed), cash settlement at full replacement value without requiring repairs, and includes additional living expenses with no dollar cap. Minimum home value ~$750,000.
Related guides
Verified Apr 2026
Chubb Masterpiece® Homeowners Insurance