Chubb Reviews

  • 2.42 / 5 based on 34 Reviews | Submit Your Review
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    Chubb insurance was originally founded in 1882 as an insurer of marine equipment. Today, the company insures auto, home and property nationwide and the United States territories of Puerto Rico and the Virgin Islands. Chubb insurance is also a major provider of business insurance, including property and liability coverage.

    Financial Ratings

    A.M. Best:A++
    S&P Rating:AA
    Moody's Rating:Aa2
    Fitch Rating:AA

    Company Information

    15 Mountain View Road
    Warren, NJ 07059
    (908) 903-2525
    (908) 903-3805 (Fax)
    http://chubb.com


    Last Updated: 2019-11-22

    Company Reviews (34)

  • 50 of 50 people found the following review helpful.

    Claim Denied, March, 2018

    DO NOT GET INSURANCE WITH THIS COMPANY BECAUSE THEY ARE AWFUL!!!!!!!!!!!!!!

    I had Chubb Health Insurance. On January 12, 2018 I went in the hospital for a major surgery, guess what, yes you’re right, Chubb denied my claim because my reason for hospitalization was because of a sickness that was before getting my policy but I had the pre-existing policy. This company is completely awful and I’ll never recommend anybody to this company. They don’t pay there claims and misrepresent there policies.

    • Health Insurance
    • Lithonia, GA
    • 52 Year Old Female
    • Customer for Less than 6 Months
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  • 28 of 28 people found the following review helpful.

    Horrible, would really like to give 0 stars!, July, 2018

    Had critical illness coverage, got the flu and it turned into pneumonia, was put in a medical coma and put on life support. This progressed to ARDS, which is usually fatal. After I came out of the coma and off life support I had to learn to walk and use my arms and hands again. When I got out of the hospital I filed a claim with Chubb and they denied the claim because I did not meet all the criteria for payment. I was shocked!! They said in order for my claim to be paid I had to be in a coma because of a head injury, I had to be in a coma for at least 30 days and I had to lose use of my extremities and require rehabilitation. They said since my coma was not from an injury I did not qualify! I think that no matter what the reason for your claim they make up a reason not to pay. I have dropped my coverage and I am reporting them to the better business bureau and the insurance board. I am extremely dissatisfied!

    • Health Insurance
    • Middlesboro, KY
    • 56 Year Old Female
    • Customer for 2 - 3 Years
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  • 23 of 23 people found the following review helpful.

    Poor Work, February, 2018

    Our insurance company that had insured us for 20+ years was bought by Chubb. My wife has an accident before the Chub takeover. She hit a car in the rear for about $2000 in damage. We had 2 homes and 6 autos an an umbrella policy with a annual insurance bill of >15K/yr. Chubb cancelled our policy without any warning or notice

    • Car Insurance
    • Brentwood, TN
    • Customer for Less than 6 Months
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  • 17 of 17 people found the following review helpful.

    NHL players, August, 2018

    They WERE FOUND GUILTY OF SERIOUS AND WILL FULL with holding medical records. They are the worest. stay away! Over 150 NHL PLAYERS SUFFERING CONCUSSION REALTED ISSUES. They only like to pay attorneys to defend there claims.

    • Health Insurance
    • Saint Paul, MN
    • Customer for 3 - 5 Years
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  • 9 of 9 people found the following review helpful.

    Missing Report; Ask me wait for a week, April, 2017

    The golf club submitted the report to Chubb, but due to their system problem, they said they didn't receive it, and ask me wait and wait every day I call them. This has been for a week, no one yet has gave me a solution. It driven me crazy

    • Car Insurance
    • Chicago, IL
    • 27 Year Old Male
    • Customer for 2 - 3 Years
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  • 8 of 8 people found the following review helpful.

    Worst Insurance Company Ever, April, 2019

    Chubb sent our medical reimbursement directly to the health care providers instead of us despite specific instruction. We were then told it was our responsibility to track down our own money because "they had done their job." Chubb is a JOKE!! 6 months later we're still trying to get reimbursed. Chubb couldn't care less about it's customers and I would never reccomend anyone to use this company.

    • Business Insurance
    • Napa, CA
    • 39 Year Old Male
    • Customer for Less than 6 Months
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  • 5 of 5 people found the following review helpful.

    customer service lied about providers, August, 2019

    Customer service representative went over provider list and misrepresented their coverage. This policy pays for nothing the rep said it would.

    • Health Insurance
    • Leicester, NC
    • 19 Year Old Female
    • Customer for 1 - 2 Years
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  • 2 of 2 people found the following review helpful.

    Beware of Chubb Custom Insurance Co. , November, 2019

    Our house burned down on 12/17/10

    Chubb rescinded our policy 02/15/12 claiming "Misrepresentation in the Application."They have an Agency Agreement w/ the Agency "Loyalty to each other" (2 AGAINST 1) Chubb didn't require an application in word or deed.

    Came to trial 1/4/16, 10 days 16 questions, we won the verdict of 8 jurors 8-0. Judge reversed it & charged us w/misrepresentation in the application." That is the financial strength of Chubb. Win they must at all cost,& they do.. BEWARE they are dishonest to the core. Defamed us, falsified documents, using their combined (Chubb & the Agency) employees as needed. It is been 9 years & 11.5 month, they ruined us.

    Eva Sesztak

    J. & E. Se sztak

    • Homeowners Insurance
    • Skillman, NJ
    • 76 Year Old Female
    • Customer for Less than 6 Months
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  • 2 of 2 people found the following review helpful.

    they lied, cheated, and took 2 months to answer, October, 2019

    I have a luxury home, and have Masterlpiece coverage. I've had it for years. I had a bad rain storm, and it cause some damage. I had roofers come out and got 4 quotes.

    Chubb denied the claim because 2 tiles on my concrete tile roof were cracked. They can easily be replaced by two I have on hand.

    • Homeowners Insurance
    • Albuquerque, NM
    • 82 Year Old
    • Customer for 5+ Years
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  • 2 of 2 people found the following review helpful.

    Horibible, August, 2019

    They tell you everything except the true facts about the insurance, and at the and you can’t fill your state taxes.

    • Health Insurance
    • La Grange, IL
    • Customer for 6 Months - 1 Year
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  • 2 of 2 people found the following review helpful.

    Worst insurance company ever, April, 2019

    I was hit by a man insured with chubb insurance.

    They have the worst customer service I have ever come in contact with. I never get updated by the company what is going on with my claim. Nothing is clear with this company. I am three weeks in to this claim and my truck has not been touched.

    • Car Insurance
    • Tampa, FL
    • 20 Year Old Male
    • Customer for Less than 6 Months
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  • 19 of 20 people found the following review helpful.

    Claim Denied, March, 2018

    DO NOT GET INSURANCE WITH THIS COMPANY BECAUSE THEY ARE AWFUL!!!!!!!!!!!!!!

    I had Chubb Health Insurance. On January 12, 2018 I went in the hospital for a major surgery, guess what, yes you’re right, Chubb denied my claim because my reason for hospitalization was because of a sickness that was before getting my policy but I had the pre-existing policy. This company is completely awful and I’ll never recommend anybody to this company. They don’t pay there claims and misrepresent there policies.

    • Health Insurance
    • Lithonia, GA
    • 52 Year Old Female
    • Customer for Less than 6 Months
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  • 61 of 65 people found the following review helpful.

    Vastly overpriced and misrepresented premium costs, March, 2016

    We had CHubb for 6 years after USAA steered us to them. Our yearly premium was almost 6K a year. We asked them multiple times about reducing the premium by auditing their cost factors for the premium, and each time they informed us the rebuild costs would be over 2.2 million for our home. FInally fed up, we shopped quotes and literally each one was cheaper by 30%. We got a new policy with ASI that is a little over 50% of what we were paying. Instead of just accepting that we were cutting them loose, Chubb insisted we pay an extra month of premium plus late payment because we allegedly did not let them know we were cancelling their policy in a timely manner (we did, actually). We have found them to be deceitful at every turn and to be driven solely by making grabs at higher premium based upon false estimates. I can just about guarantee they would NOT pay 2.2 million for a total rebuild of our home, but would likely pay the amount we are now insured for on our new carrier policy. But they certainly had no qualms about taking premium based upon the old figure. Shame on Chubb and we will not EVER insure with them again on any line of insurance we have.

    • Homeowners Insurance
    • Alpharetta, GA
    • 43 Year Old Male
    • Customer for 3 - 5 Years
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  • 10 of 11 people found the following review helpful.

    Horrible service. Way to costly!, April, 2018

    Very rude representatives. Much higher than many other companies. Research others before settling for this mediocre company that completely lacks customer service.

    • Car Insurance
    • Newport News, VA
    • 69 Year Old Female
    • Customer for 5+ Years
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  • 35 of 39 people found the following review helpful.

    Insurance that does not pay when you need it, December, 2015

    Major pain after an accident which was my fault. They denied claim for the other party that led to lawsuits on me. Significant waste of my time, peace of mind and lawyers fees.

    • Car Insurance
    • Customer for 3 - 5 Years
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  • 19 of 22 people found the following review helpful.

    A horrible company. Do not use., November, 2016

    This company took over for Fireman's. They never seemed to know who was responsible for a policy. I had a policy with them for about 30 days; I cancelled the policy because I moved. I am still being billed for a policy on a building I no longer inhabit. I would never recommend this company and would suggest choosing other options.

    • Homeowners Insurance
    • West Hollywood, CA
    • Customer for Less than 6 Months
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  • 19 of 23 people found the following review helpful.

    Excellent Coverage!, November, 2015

    Our house burned down in the Valley Fire in Lake County, CA on 9/12/15. Chubb responded immediately and was there in every area of support - we had a direct cell number to reach our claims adjuster and a direct email address to contact him. (With State Farm who insured our business there was no direct cell number or email, all contact went through a convoluted phone system and you had to wait days until someone returned your call and they were never the same person).

    Chubb not only covered our home but included an "inflation adjustment" which raised the value of the coverage, same with our replacement costs.

    In addition, our claims adjuster took the time to be familiar with our policy and noticed that we had other coverage we were not aware of which amounted to quite a bit of extra money.

    One of the best things about Chubb is there is NO depreciation on replacement items. As far as we know ALL insurance companies depreciate your personal items with a "life expectancy table".

    You can't go wrong with Chubb! Chubb sent checks immediately! Great Insurance company, worth every extra penny.

    • Homeowners Insurance
    • Middletown, CA
    • 69 Year Old Female
    • Customer for 5+ Years
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  • 9 of 11 people found the following review helpful.

    The insurance company that doesn't pay. , October, 2017

    My house has been soaked in water and I fixed it with minimum expenses. They just didn't pay for the excuse of the house has been vacant for more than 30 days. They were that cheap that did not pay less than $4000 after my deductible. I will not renew with them and I encourage you not to bother working with this company.

    • Homeowners Insurance
    • Gainesville, FL
    • 52 Year Old Male
    • Customer for 2 - 3 Years
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  • 30 of 37 people found the following review helpful.

    Over Priced, March, 2015

    Chubb was extremely overpriced. My home was appraised over the past several years at $650K down to $538K due to market conditions but Chubb kept increasing the value of the house alone up to $1,057,000.00. When questioned about this they were annoyed with me and were uncooperative. The premium I was paying was 3 times the amount other carriers quoted. I dumped Chubb.It was partly my fault for not paying closer attention. I trusted them too much.

    • Homeowners Insurance
    • Jackson, NJ
    • 66 Year Old
    • Customer for 5+ Years
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  • 2 of 3 people found the following review helpful.

    vacated the apartment up northany, February, 2013

    any request was taken care of immediately

    • Homeowners Insurance
    • Longboat Key, FL
    • 94 Year Old Female
    • Customer for 5+ Years
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  • 5 of 8 people found the following review helpful.

    Outstanding, July, 2015

    Outstanding coverage and service, but not the cheapest insurance available.

    • Homeowners Insurance
    • Jacksonville, FL
    • 65 Year Old Female
    • Customer for 5+ Years
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  • 14 of 23 people found the following review helpful.

    NRA MEMBER PROUD TO LEAVE CHUBB!, February, 2018

    Since you don’t want to do business with the NRA I will be happy to do business elsewhere. Bye Bye!

    • Other Insurance
    • Bakersfield, CA
    • Customer for 1 - 2 Years
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  • 7 of 24 people found the following review helpful.

    February, 2014

    I'M A CHUBB RETIREE. INSURANCE WAS PART OF MY RETIREMENT PACKAGE. I LOVE THAT COMPANY. THEY WERE GREAT TO WORK FOR AND PROVIDED FAST, ACCURATE SETTLEMENTS. NONE OF THE ABOVE STARS APPLY TO ME BUT I CAN'T PUSH THIS THROUGH WITHOUT RESPONDING SOMEHOW. PLEASE DON'T SELL MY NAME AND/OR e-mAIL ADDRESS. I DON'T WANT HUNDREDS OF INSURANCE AGENTS CONTACTING ME.

    • Life Insurance
    • Rockaway, NJ
    • 76 Year Old Female
    • Customer for 5+ Years
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  • 1 of 1 people found the following review helpful.

    Refused to file a claim, April, 2019

    Items stolen from my vehicle. Representative refused to file a claim citing off premises limitations the way the policy was written

    • Homeowners Insurance
    • New York, NY
    • 43 Year Old Male
    • Customer for 6 Months - 1 Year
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  • 1 of 1 people found the following review helpful.

    Chubb wrote a unique farm/home policy, February, 2019

    Chubb was the only company that would comprehensively cover us for any sort of claim on our farm. They covered for EVERYTHING horse related and our home, even people riding across our farm without our permission. We had a huge wooden pavilion burn to the ground with a large amount of furniture under it. They gave us NO PROBLEM with the claim. They didn't argue with furniture, even though we didn't have receipts or pictures. We LOVE CHUBB!

    • Homeowners Insurance
    • Wentzville, MO
    • 69 Year Old Male
    • Customer for 5+ Years
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  • 2 of 11 people found the following review helpful.

    June, 2016

    N/A

    • Life Insurance
    • Myrtle Creek, OR
    • 66 Year Old Female
    • Customer for 3 - 5 Years
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  • 2 of 3 people found the following review helpful.

    July, 2015

    • Renters Insurance
    • Fort Lauderdale, FL
    • 65 Year Old Female
    • Customer for 5+ Years
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  • 3 of 6 people found the following review helpful.

    April, 2014

    • Renters Insurance
    • Dallas, TX
    • 50 Year Old Female
    • Customer for 3 - 5 Years
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  • 2 of 5 people found the following review helpful.

    May, 2016

    • Homeowners Insurance
    • Groton, CT
    • 57 Year Old Female
    • Customer for 5+ Years
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  • 2 of 5 people found the following review helpful.

    September, 2012

    • Homeowners Insurance
    • Ossining, NY
    • 53 Year Old Female
    • Customer for 5+ Years
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  • 2 of 6 people found the following review helpful.

    Homeowners Policicy, May, 2013

    • Homeowners Insurance
    • Fort Lauderdale, FL
    • 58 Year Old Female
    • Customer for 5+ Years
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  • 1 of 3 people found the following review helpful.

    May, 2014

    • Homeowners Insurance
    • Winter Park, FL
    • 81 Year Old Female
    • Customer for 5+ Years
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  • 1 of 3 people found the following review helpful.

    December, 2012

    • Homeowners Insurance
    • Tinton Falls, NJ
    • 60 Year Old Female
    • Customer for 5+ Years
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  • 2 of 7 people found the following review helpful.

    August, 2013

    • Homeowners Insurance
    • Kissimmee, FL
    • 65 Year Old Female
    • Customer for 3 - 5 Years
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