Why Insure With Chubb?  For over 120 years Chubb has been providing quality protection for home, auto, commercial, and more. It is one of the leading insurance carriers in the U.S. and an A++ rated carrier by the AM Best Insurance Guide. Chubb is known for its speedy and accurate claims services as well as its financial stability.

When it comes to protecting your home, Chubb’s Masterpiece policy provides coverage suitable to your lifestyle. Chubb will determine the replacement cost coverage of your claim by having one of their appraisers inspect your home. The appraiser will take photographs and measurements and will look at all the key features of your home. By doing this, the appraiser helps determine the replacement cost of your home coverage. One key coverage in Chubb’s Master policy is the Extended Replacement Cost Endorsement.

Once the inspection has been completed, your home will qualify for the extended replacement cost endorsement. That means, should a loss occur, Chubb will pay the cost to have your home repaired or rebuilt to its original beauty even if the cost exceeds the coverage limit at the time of the loss. If you decide not to rebuild at the current location, Chubb offers you a cash settlement up to your policy limit.

When it comes to your home’s interior valuables, if you have damage to your interior and you have the Replacement Cost Coverage Endorsement, Chubb will insure most items for the amount it costs to replace them today without deducting for depreciation.

If you have some valuables scheduled on your policy such as jewelry, fine art, etc, and a loss occurs, Chubb will settle the claim for what  the insuring amount is at the time of the loss without requiring you to replace your item for like, kind and quality at one of their jewelers. Another key point with Chubb, it will not deduct for depreciation nor your deductible. It is a cash settlement instead.

As to Chubb liability protection, standard homeowner policies’ liability limits are mostly $100,000 to $300,000. With Chubb you can  go as high as $50,000,000 if qualified. When speaking to your agent, please inform them what limit will be the best to protect your assets.

Another key coverage is Additional Living Expense. This means that in the event your home cannot be lived in due to a covered loss and you need to find temporary residence, Chubb will cover the cost for you to maintain your normal standard of living while you are  away from your home. Some standard policies will provide only a percentage which should be outlined in your policy at the time of the loss.

The Chubb Masterpiece policy can be tailored to meet your insurance needs. Please consult with your insurance agent for further details.

As to discounts, Chubb is offering a 30% discount on its auto insurance if you have your homeowners’ insurance with Chubb – and if you have continuous coverage. Chubb also offers discounts for a central burglar and fire alarm installation in your home.

If you insure your vehicle with Chubb, coverage is based on agreed value. Agreed value is the amount you will receive in the event of a total loss, the deductible is waived and no adjustments for depreciation.

For a free Chubb quote or to obtain further information, contact us at Muller Insurance in Hoboken. Our certified professional insurance  agents know all the coverages Chubb offers and our expertise will help you secure the best insurance coverage for your home, car, and  business. Our customer service is highly-rated and many of our customers have long-running relationships with us (see our customer reviews at www.MullerInsurance.com).

 

 

About Roger J. Muller, Jr.

Overseeing Muller Insurance’s day-to-day operations and always improving how the company can better serve its clients, Roger J. Muller, Jr. is a Certified Professional Insurance Agent (CPIA) with 32 years experience in the insurance industry. He’s a travel agent, Certified Real Estate Appraiser (CREA), Certified Environmental Inspector (CEI), licensed Real Estate Broker and licensed Insurance Agent in the following states: New Jersey, New York, Pennsylvania, Connecticut, North Carolina, South Carolina, Florida, Maryland, Washington D.C., New Mexico, Arizona, Vermont, Ohio, Delaware, Maine, Georgia, Virginia and New Hampshire. Roger J. Muller, Jr. is a member of Sigma Xi, a lifetime member of the Hudson River Fishing Association, and Shriners-Salam Temple. A graduate of Ramapo College of New Jersey, Muller is a past board member of the Ramapo College Alumni. He has been a member of the Board of the Hoboken Chamber of Commerce since 2000 and served as Vice President in 2010.  He is a New Jersey Notary Public and a member of the Young Insurance Agents, NJ. He is a certified member of  the Hoboken Community Emergency Response Team (CERT) that responds to emergencies like building collapses, flooding and acts of terrorism.