COMPREHENSIVE PROTECTION:

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Homeowners the Chubb Way: Deluxe House Coverage

Chubb's Deluxe House coverage is designed expressly for distinctive or custom homes and their owners. With Chubb, you have more choices and more control over the insurance process, industry-leading service, and features not usually found in other policies, such as:

A complimentary home appraisal. In many cases, a professional appraiser will visit your home to note any special architectural details and interior features, and help you determine the amount of coverage you need. Your appraiser also can provide security and fire prevention advice, and suggest ways to protect your valuables. No fees are involved. More about appraisal services.

Actual rebuilding costs.* Choose our extended replacement cost option, and after a covered loss, Chubb will pay to have your home rebuilt, even if the cost is greater than the amount of your coverage. Most policies will pay only up to the policy amount, whether it covers your rebuilding costs or not. This option is available in most states.

Rebuilding to code.* If you rebuild, you may be required to follow current, more stringent building codes for things like electrical wiring or plumbing. This could result in significant expenses. After a covered loss, Chubb will pay these additional costs if you rebuild on the same location.

Optional cash settlement. To rebuild or not to rebuild-the decision is yours. If you decide not to rebuild after a total covered loss, you can opt for a cash payment up to the policy limit. It's your home, your policy, your choice.

Additional living expenses. After a covered loss, Chubb will cover the increase in your temporary living expenses while your home is being rebuilt. This feature will help you maintain your normal standard of living until your home is ready.

Full replacement costs for contents. Choose Chubb's full replacement cost coverage for your belongings, and your home contents, from sporting equipment to antique furniture, are covered for the cost to replace them. There are no deductions and no depreciation.