Why Chubb made our list: Chubb offers homeowners unique complimentary services that could be ideal for some homeowners, such as HomeScan, which can signal potential leaks and electrical hazards, and where more insulation may be needed for maximum home efficiency. The carrier also provides wildfire defense services and a risk consultant who will evaluate homes to ensure you have the coverage and protection you need. Chubb includes water backup coverage and replacement cost on contents in its standard home insurance policies without an additional cost, which is rare for an insurance carrier. Chubb works primarily with high-value homeowners, so it may not be the right fit for everyone. However, its average rates are still below the Arizona average for the $250K dwelling coverage.
Who Chubb may be good for: If you are looking for a full-service homeowners insurance company that offers more than a few bells and whistles, it may benefit you to consider Chubb. Although Chubb markets itself mainly to owners of high-end homes, it could be a good fit for anyone looking for robust coverage with all the extras.