Is Chubb really different, or just more expensive?

I live in Scottsdale and drive a nicer SUV. I also own a small second place up north that I only use part of the year. My current insurer keeps raising my rates, and a friend mentioned Chubb. Are they actually any different, or just more expensive?

Chubb costs more due to premium coverage and service

Chubb does usually cost more, but what you’re paying for isn’t just the name. They’re known for handling things a little differently than a lot of bigger national insurers. Here are some of the key differences:

• Claims and service: Many customers say the claims process feels more personal and responsive. You’re less likely to feel like just another number in a call center.
• Repairs: If your SUV is in a crash, Chubb often lets you use the repair shop you trust and requires OEM (original manufacturer) parts — not cheaper substitutes.
• Coverage value: They use “agreed value” on many auto policies. That means if your car is totaled, you get the amount you agreed on up front, not a depreciated market value.
• Flexibility for multiple properties: Since you have that second place up north, one perk is that Chubb can bundle both of your homes, high-end vehicles, and extras (including more unique property) under one policy, which makes things easier to manage.

So yes — premiums with Chubb are usually higher than with standard carriers. Their coverage isn't for everyone, it just depends on your priorities. For people who want less hassle in claims, higher-quality repairs, and coverage that’s designed to protect more than just the basics, the extra cost can be worth it.

If you’re curious how Chubb stacks up against what you already have, our agentscan walk you through the options and help compare rates — no pressure, just answers.