Taking some new policies. Sells high value home, condo, auto and flood policies through independent agents, not online. Coastal homes are reviewed one at a time. No Florida stop notice was on its site on Oct 9, 2026. as of Oct 19, 2026

Chubb Insurance

Chubb sells high value home, condo, car, flood and excess liability cover in Florida. It uses the Masterpiece name. It sells through independent agents.

You can find it on our list of Florida home insurance companies. It is also on our list of Florida auto insurance companies. Its Florida company code is 01295 and its NAIC number is 20281.

Taking some new policiesChecked Oct 19 Home, condo, renters, auto, flood, umbrella and business

Is Chubb leaving Florida? No. As of October 2026 Chubb still sells Masterpiece home policies in Florida through independent agents. Coastal homes are underwritten case by case. As of Oct 19, 2026. Source: chubb.com.

By , updated

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New policies

Taking some new policies

As of Oct 19, 2026

Policies in force

31,148

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A++ (Superior)

From AM Best

Complaints

2 complaints in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Chubb renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep Chubb, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
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Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. AM Best affirms Chubb at A++ (Superior)

    AM Best affirmed its A++ (Superior) financial strength rating. The rating is for the Chubb Group of Insurance Companies. That group pools the companies Chubb Limited owns in the U.S., Canada, Bermuda and Europe.

  2. Chubb says it is shrinking storm exposed property while growing high net worth

    On its third quarter call, Chubb said high net worth premium grew about 11.5 percent. It said it can underwrite a home anywhere. But property premium shrank where it could not get enough rate for catastrophe risk.

  3. ACE completes purchase of The Chubb Corporation, takes the Chubb name

    ACE Limited closed its purchase of The Chubb Corporation on Jan 14, 2016. It renamed itself Chubb Limited on Jan 15, 2016. Federal Insurance Company and the other Chubb companies joined the ACE group.

  4. Chubb drops wind coverage for new buyers in 14 coastal counties

    Chubb stopped offering wind coverage to new Masterpiece homeowners customers. This was in 14 southern coastal Florida counties. At the time it was called its latest step to cut its Florida business.

See every Chubb update

Rate history

No rate filings tracked yet.

Want your Chubb renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

106 years in Florida

In Florida since 1920. Has paid claims through 28 hurricanes.

19201930194019501960197019801990200020102020 Agnes (1972 , Category 1 at Florida landfall) Agnes Cat 1 Eloise (1975 , Category 3 at Florida landfall) Eloise Cat 3 David (1979 , Category 2 at Florida landfall) David Cat 2 Elena (1985 , Category 3 at Florida landfall) Elena Cat 3 Kate (1985 , Category 2 at Florida landfall) Kate Cat 2 Floyd (1987 , Category 1 at Florida landfall) Floyd Cat 1 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Chubb side by side

Chubb side by side with State Farm and Universal Property
Chubb State Farm Universal Property
New policies Taking some new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 31,148 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A++ (Superior) AM Best A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1920 1934 1997

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Questions people ask about Chubb

Is Chubb leaving Florida?No.

As of Oct 2026 Chubb still sells home, condo, renters, auto, flood and excess liability policies in Florida. It sells through independent agents. Its site has no Florida stop notice. Chubb has said it is pulling back from storm exposed property it cannot price well. So coastal homes are reviewed one at a time.

Source: Chubb personal insurance pages, read 2026-10-09; Chubb 3Q25 earnings transcript, 2025-10-22

What is the Chubb claims phone number?Call 1-800-252-4670, which Chubb lists as 1-800-CLAIMS-0 under the label Chubb Main.

Claims can be reported 24 hours a day, 7 days a week by phone, online at chubb.assured.claims, or by email at [email protected].

Source: Chubb personal claims page, read 2026-10-09

Is Chubb a good company?Public data only: AM Best affirmed the Chubb Group of Insurance Companies at A++ (Superior), its highest financial strength rating, on January 16, 2026.

Chubb's U.S. companies are admitted in all 50 states. Chubb traces its roots to 1882 and has insured Florida homes since at least 2006.

Source: AM Best release via Business Wire, 2026-01-16

Who owns Chubb?Chubb Limited, a public company based in Zurich, Switzerland.

It trades on the New York Stock Exchange as CB. ACE Limited bought The Chubb Corporation on Jan 14, 2016. It took the Chubb name the next day. Chubb Limited's U.S. subsidiaries, such as Federal Insurance Company, issue Florida policies.

Source: ACE Limited Form 8-K, January 2016

Is Chubb admitted in Florida?Yes, it is.

Chubb's own licensing document lists six insurers as licensed in all 50 states. One is Federal Insurance Company (NAIC 20281). The others are Vigilant, Great Northern, Pacific Indemnity, Chubb Indemnity and Chubb National. Chubb also has surplus lines affiliates that may write in Florida. Those are not used for home or auto policies.

Source: Chubb Company License Information, current to May 19, 2026

Is Chubb the same as ACE or Federal Insurance Company?Yes, they are one group.

Federal Insurance Company is the lead Chubb company that issues policies. ACE American Insurance Company is a Chubb company from the 2016 ACE merger and mostly sells business policies. Legacy ACE claims still have their own phone lines on Chubb's claims page.

Source: Chubb personal claims page and Licensing Information document, read 2026-10-09

Still deciding? Let us shop your Chubb renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Chubb reviews and complaints: what the public data shows

Chubb rating

A++ (Superior) from AM Best.

Complaints
2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 1920 (106 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.