By David Clausen • High Value Home Insurance
Updated November 4th, 2025 • 7 min read
Who Are Chubb’s Home Insurance Competitors in 2025?
For generations, Chubb has stood as a benchmark in luxury home insurance, the go-to carrier for families seeking comprehensive protection for high-value homes and lifestyles. Yet, in 2025, the competitive landscape has grown broader and more sophisticated. A mix of established insurers and new boutique carriers now compete for the attention of affluent homeowners.
While mainstream insurers continue to dominate the standard homeowners market, a specialized group of companies focuses exclusively on high-net-worth households, where coverage needs go far beyond standard limits. Below is a detailed look at Chubb’s top competitors in 2025 and how each approaches the art of insuring fine homes.
AIG Private Client Group (PCG)
AIG’s Private Client Group remains one of the most recognizable names in the high-value home insurance space. It serves affluent families who own luxury residences, second homes, and significant personal assets such as automobiles, art, or yachts.
AIG’s high-value homeowners policy includes options such as full or extended replacement cost coverage, cash settlement in lieu of rebuilding, and specialized programs to protect homes in wildfire- or hurricane-prone regions. These features are complemented by concierge-style risk management services that proactively help clients prevent losses before they occur.
With global reach and financial strength, AIG PCG caters to homeowners who demand flexibility, large coverage limits, and personalized claim service that mirrors Chubb’s reputation for excellence.
Cincinnati Insurance – Executive Capstone Program
Cincinnati Insurance has quietly become a respected competitor in the high-net-worth market through its Executive Capstone Program. Designed for homes with rebuild values typically exceeding $1 million, this program delivers exceptional depth of coverage.
The Executive Capstone policy includes full replacement cost for the dwelling, ensuring that the home can be rebuilt even if costs exceed the coverage limit. Personal property coverage is broad and can even reflect market appreciation for scheduled valuables such as fine art or collectibles.
Cincinnati also provides optional umbrella liability limits up to $25 million and specialized coverage for high-end vehicles, yachts, and collections. Its policies are distributed exclusively through appointed independent agents, a model that emphasizes service, personal relationships, and financial security supported by the carrier’s long-standing A+ (Superior) rating.
PURE Insurance (Privilege Underwriters Reciprocal Exchange)
PURE represents a modern approach to high-net-worth insurance. Structured as a member-owned reciprocal insurer, PURE operates for the benefit of its policyholders rather than shareholders, helping keep premiums stable while prioritizing customer experience.
Founded in 2006 and backed by the global Tokio Marine Group, PURE offers comprehensive personal coverage: high-value homes, automobiles, collector vehicles, watercraft, valuables, and excess liability. The company distinguishes itself with a focus on risk prevention, providing inspections, safety recommendations, and financial incentives for mitigation improvements.
PURE’s policies typically include guaranteed replacement cost, optional cash-out for total losses, generous jewelry and art coverage, and deductible waivers for major claims. This blend of proactive service, transparency, and coverage breadth has made PURE one of Chubb’s most direct and well-matched competitors in 2025.
National General Premier (NatGen Premier)
National General Premier, now part of the Allstate family, caters to high-value homeowners through a boutique network of independent agents. The goal is to provide the personal attention of a small insurer with the stability of a major national brand.
NatGen Premier policies are available for homes with insured values starting around $750,000 and above. Coverage highlights include guaranteed replacement cost for the structure, a cash-out settlement option, unlimited loss-of-use coverage for temporary housing during repairs, and large-loss deductible waivers.
Additional built-in protections often include water backup, ordinance or law coverage, and equipment breakdown. The result is a well-rounded package for clients who want many of the same advantages as Chubb or AIG, but through a more cost-efficient program supported by Allstate’s financial strength.
Vault Insurance
Vault entered the high-net-worth space the same year as Berkley One and has since evolved from a regional Florida carrier into a national option for luxury homeowners. Structured as a reciprocal insurer, Vault’s members share in profits during strong years, encouraging long-term relationships and price stability.
Vault’s home policies include extended replacement cost coverage, up to 200% of the insured amount, to handle rebuilding cost spikes after disasters. Clients can also opt for cash settlements rather than rebuilding, and the insurer offers flexible deductible options that reward higher self-insured retentions with meaningful savings.
Other perks include enhanced jewelry and art coverage, identity theft protection, and even limited pet injury coverage. Vault emphasizes risk prevention with complimentary assessments for home safety, electrical, and water systems. Its concierge-style claims service and 24-hour response commitment make it a standout competitor in both service and innovation.
Travelers – High-Value Home Program
Travelers is one of the few traditional mass-market insurers offering a robust high-value homeowners program. With more than 160 years of experience and an A++ financial rating, Travelers provides security and scale few competitors can match.
Its high-value policies are typically available for homes valued at $1 million or more and include extended replacement cost coverage (often up to 25% beyond the dwelling limit). Additional features include higher limits for valuables, optional green-home rebuilding coverage, and seamless bundling with auto, watercraft, or umbrella liability policies.
Travelers’ strength lies in balancing customization with stability. Clients receive specialized protection comparable to luxury carriers while maintaining the backing of one of the largest insurance companies in the United States.
Nationwide Private Client: A Legacy Carrier’s Exit
Nationwide was once an active participant in the high-net-worth market through its Private Client and Crestbrook divisions. Its high-value homeowners program offered generous features such as extended rebuilding coverage up to 200%, cash settlement options, and concierge-level risk consulting.
However, by 2024, Nationwide announced it would fully withdraw from the high-value personal insurance sector. The decision came amid rising reinsurance costs, inflation in property repair expenses, and increased weather-related losses. As of 2025, all remaining Nationwide Private Client policies are being transitioned to other luxury insurers.
Although no longer writing new business in this segment, Nationwide’s departure underscored both the challenges and vitality of the high-net-worth market. Its exit created room for carriers like PURE, Vault, and Berkley One to capture additional market share and further refine offerings for affluent families.
The Evolving Landscape of High-Value Home Insurance
The competition among Chubb and its peers has elevated service expectations and broadened coverage standards across the entire industry. Today’s luxury home insurers not only rebuild homes but also help clients preserve lifestyles, collections, and privacy.
Independent agents play a vital role in this space, matching families with the right insurer based on property characteristics, risk exposure, and service expectations. Whether clients prioritize proactive risk mitigation, flexible cash settlements, or exclusive concierge services, 2025 offers more refined options than ever before.
Ultimately, the best high-value home policy is the one that mirrors your lifestyle, safeguarding not just your home but everything that makes it unique.
High Value Homeowners Insurance
Coastal Insurance Solutions: Your Advisor for High-Value Home Coverage
At Coastal Insurance Solutions, we specialize in helping affluent homeowners:
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Compare elite carriers like Chubb, AIG, PURE, Cincinnati, Vault, Berkley One, and Travelers
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Evaluate coverage enhancements such as cash-settlement options and guaranteed replacement cost
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Coordinate protection across multiple homes, vacation properties, and real estate portfolios
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Integrate valuable articles coverage for jewelry, art, wine, and collectibles
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Align homeowners policies with umbrella liability, auto, and flood solutions
Our independent model means we work for you, not the insurance companies, giving you access to the most respected private-client carriers and tailored program design to fit your lifestyle.
Frequently Asked Questions
Who competes with Chubb for high-value homeowners insurance?
Top competitors include AIG Private Client Group, Cincinnati Insurance, PURE, National General Premier, Berkley One, Vault, Travelers, and formerly Nationwide Private Client.
How does Chubb differentiate itself?
Chubb is known for guaranteed replacement cost, cash settlement flexibility, proactive risk-management programs, and world-class claim service backed by global resources.
What types of homes qualify as “high-value”?
Typically, homes with rebuild costs starting around $750,000 to $1 million or more, featuring custom architecture, luxury finishes, or unique design elements.
Do these policies cover valuables and collections?
Yes. Carriers like AIG, PURE, and Vault include specialized coverage for jewelry, fine art, collectibles, and even wine or auto collections, often with higher limits or blanket protection.
Why use an independent insurance agent?
Independent agents understand the nuances between carriers and can design coverage that fits each client’s property, lifestyle, and risk tolerance, ensuring the right balance of protection and service.
