Property insurance provider
Chubb Private Client
High-value home and valuables insurer
A high-value home and valuables insurer, distributed through brokers and advisers. The published proposition is market-specific.
At a glance
- Provider type
- High-value home and valuables insurer
- Global reach
- High
- Primary audience
- Affluent and HNW households with high-value homes, multiple residences and valuable collections
- Buildings
- Core
- Contents
- Core
- Transit / moving
- Policy dependent
- Second / holiday homes
- Strong
- Valuables
- Exceptional
- Rental liability
- Policy dependent
- Catastrophe
- Territory dependent
- Personal liability
- Strong
- Unoccupied / seasonal
- Product dependent
- Multiple homes
- Strong
- Claims / servicing
- Specialist claims
- Provider model
- Direct insurer
- Pricing
- Quote based
What type of property-insurance provider is this?
A direct insurer, distributed through brokers and advisers in many markets. The same product is not described as available in every country. The provider model affects which insurers can be compared, who advises on placement and who ultimately underwrites the risk.
Who it may suit
Chubb Private Client may be relevant to Affluent and HNW households with high-value homes, multiple residences and valuable collections.
Where can the provider insure property?
High reach in relevant markets. The published service page is a UK private-client description. Do not treat that wording as available everywhere. Confirm the property country and the local proposition. Eligibility can depend on the property country, the country of residence and the insurer that is prepared to take the risk. Global reach is not universal availability.
Buildings cover
Core. A buildings section, where one exists, is about the structure and permanent fixtures. Rebuild cost, alternative accommodation, debris removal and professional fees are questions for the wording. No rebuild figure is stated here.
Contents and personal property
Core. Household possessions, furniture and personal items are a different sum from the building. Worldwide possessions, where described, still depend on the policy.
Fine art, jewellery and collections
Exceptional. Scheduling, valuations and item limits differ. This is not unlimited cover for watches, wine, jewellery or fine art.
International transit and storage
Policy dependent. A home policy may not apply while possessions are in storage or being shipped. The practical move is covered separately on moving country and relocation.
Second homes and holiday properties
Strong. International and multiple-residence capability in relevant markets. Seasonal occupancy, empty periods, security, letting and local catastrophe risk are separate questions from a permanently occupied home.
Rental and tenant liability
Policy dependent. Letting a property, including short stays, can be a different use. This page does not treat a selected programme as cover for every rental.
Catastrophe and location-specific risk
Territory and policy dependent. Coverage and deductibles vary by location and policy. Flood, earthquake, hurricane, wildfire and storm are not assumed.
Personal liability
Strong on private-client propositions. This is liability arising from the home or the person, where the policy includes it. It is not a statement that every claim against the owner will be met.
Unoccupied and seasonal property
Product dependent. This page does not state how many days a home may stand empty. Security, visits and caretaker conditions belong in the wording.
Multiple homes and international portfolios
Strong. Some propositions can cover multiple residences under one programme. Several homes, a consolidated arrangement and valuables that move between properties are private-client questions. A single point of contact is a servicing point, not a promise that one policy covers every address.
Claims and ongoing servicing
Strong specialist claims and risk-consulting capability. Claims support is not a decision that a claim will be paid.
What changes property-insurance pricing?
Quote based, usually through an adviser. This page does not publish a premium.
- Property country
- Property value
- Rebuild cost
- Occupancy
- Second-home use
- Rental use
- Catastrophe exposure
- Security
- Valuables
- Claims history
- Construction type
Questions to ask
Ask Chubb Private Client directly. This page does not answer these for a particular property.
Which countries can you insure?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are you a broker or insurer?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which insurer actually underwrites the policy?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the building covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are contents covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What rebuild value should I insure for?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are art and jewellery covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Do high-value items need to be listed individually?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the property covered when unoccupied?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
How long can it remain empty?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can the property be rented to guests?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is personal liability included?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is landlord / tenant liability included?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is flood covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is earthquake covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is hurricane / windstorm covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is wildfire covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are catastrophe deductibles different?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is international transit covered?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can multiple homes be included?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is there worldwide contents cover?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Who helps with claims?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which local entity handles the policy?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What exclusions should I understand?
Ask Chubb Private Client directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page. It does not mean WiT Access has an agreement.
- Evidence page
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Property-insurance benefits, exclusions, catastrophe limits, pricing, eligibility and geographic availability can change.