Our Carriers

Why We Place High-Value Ohio Homes With Chubb

Before we write a policy, we do a full asset review: the dwelling's true rebuild cost, the valuables inside it, your liability exposure, and how it all connects to your broader financial picture. That review is what tells us which carrier actually fits your home. For estates with significant fine art, jewelry, wine, or other collections, or for homes with real flood exposure along Ohio's rivers and lakeshore, that carrier is almost always Chubb.

$15M Primary flood coverage per location — vs. NFIP's $250K building / $100K contents cap

98% Of Masterpiece claims get adjuster contact within six hours

150% Of itemized value paid on Masterpiece Valuables if market value has risen

Chubb doesn't write standalone home policies for the sake of writing them. Its underwriting appetite is built around package coverage, meaning a home policy paired with the other lines that actually protect a high-net-worth household: excess liability, valuables, sometimes auto. That structure exists because Chubb underwrites the whole picture of a household's risk, not just a dwelling in isolation, which is exactly the approach a full asset review is built to support.

For high-value homes, that coverage sits under Chubb Masterpiece, built specifically for homes and possessions that a standard HO-3 or HO-5 policy was never designed to price correctly.

Side by side

What Masterpiece covers that a standard policy doesn't

Coverage	Standard policy	Why We Place High-Value Ohio Homes With Chubb
Dwelling replacement	Capped at the policy limit	Extended replacement cost, no stated limit in most states
Contents	Named perils, no replacement cost	"All Risk" coverage at full replacement cost
Other structures	10% of dwelling limit	20% of dwelling limit, extended replacement cost included
Loss of use	30% cap	No stated limit
Loss assessment	$2,000	$50,000
Rebuilding to code	Roughly 10%	No stated limit
Flood coverage	NFIP: $250K building / $100K contents	Up to $15M per location

Coverage in depth

Where this coverage actually goes further

Family Protection

Covers a set of exposures a standard homeowners policy doesn't touch: home invasion up to $270,000, child abduction up to $300,000, carjacking up to $255,000, stalking threats up to $60,000, and cyberbullying up to $60,000 in covered expenses.

Cyber Protection

Covers cyber extortion up to $50,000 and cyber financial loss up to $500,000.

Coverage for household staff liability

For households with a nanny, housekeeper, or other residential staff, Employment Practices Liability covers claims of wrongful termination, harassment, or discrimination, a real exposure most standard policies never mention.

Flood coverage that actually applies to your property

The National Flood Insurance Program caps out at $250,000 for the building and $100,000 for contents on a single-family home, and only applies if the flood affects two or more acres or two or more properties, meaning an isolated flood confined to just your property may not even qualify. Chubb's primary flood coverage goes up to $15 million per location, applies even when the flood is confined entirely to your home, and pays contents on a replacement-cost basis instead of actual cash value minus depreciation. It also covers finished-basement property, built-ins, wet bars, even a wine cellar, up to $30,000, where NFIP coverage essentially excludes a finished basement outright. And the same Chubb adjuster who handles your home claim handles the flood claim, instead of two separate insurers each assigning their own adjuster to the same loss.

Masterpiece Valuables

Built for fine art, jewelry, wine, antiques, and collections that a standard homeowners policy sharply under-insures. Coverage is worldwide with no deductible, pays on an Agreed Value basis, and pays up to 150% of the itemized value if the market value has risen since the policy was written. Appraisals are only required above $100,000 for a single jewelry piece or $250,000 for a single work of art; below that, a detailed description and estimated value is enough. Chubb's in-house Fine Art, Jewelry, and Collections Specialists also offer free infrared moisture assessments, pre-renovation consultations, and disaster-preparedness planning.

A carrier that has shown its work

Chubb publishes a real comparison worth knowing about: two neighbors, same hailstorm, roughly $250,000 in damage to each home.

Standard-market policy

A $14,000 deductible, then months spent fighting the carrier over what was and wasn't covered — $220,000 out of pocket after repairs were only partially completed eight months later.

Chubb Masterpiece

A $20,000 deductible, an adjuster on-site the next day, and the home fully restored within three months with no additional cost beyond the deductible.

98% of Masterpiece claims get adjuster contact within six hours. Adjusters can pay a claim on their own authority, but can't deny one without a manager signing off.

Chubb isn't the right fit for every high-value home we review. For estates without significant collections or flood exposure, Cincinnati Insurance's Executive Capstone program is often the better-priced, equally strong option, particularly for homeowners who want an independent-agent relationship over a package-first carrier. The point of a full asset review is figuring out which carrier actually matches your home's real risk, not defaulting to whichever one is easiest to quote.

If your home's value lives as much in what's inside it, or in how close it sits to water, as it does in its square footage, that's exactly the conversation a full asset review is built to have.

Are you a wealth advisor, estate planning attorney, CPA, or family office referring a client? See how a referral works and what this level of coverage means for the clients you already serve. Visit Professional Partners →

Sources

Chubb Personal Risk Services

Next step

Start with a full asset review.

No pressure, no generic policy. We'll walk through your property and portfolio and tell you exactly where a standard policy would leave you exposed.

Schedule My Asset Review Call (614) 612-0033

What Masterpiece covers that a standard policy doesn't

Where this coverage actually goes further

Start with a full asset review.

See our other carrier