Abundance comes with unique needs.
Abundance brings complexity. High-net-worth lifestyles require insurance that goes beyond standard policy limits to protect unique, high-value assets.
Custom Portfolio Valuation
Standard market valuations fall short for luxury assets.
Global Liability Protection
Broad coverage limits safeguard personal and professional reputations.
Specialized Asset Segments
Dedicated protection plans cover yachts, aviation, and fine art.
The #1 HNW home insurance carrier of 2026
Chubb (Masterpiece): The Upper-End Anchor
Chubb is the largest and most established HNW home insurer in 2026, anchoring the upper end of the market on mostly admitted paper. Chubb Masterpiece typically targets homes with replacement costs of roughly $1.5 million and up, and is rated A++ by AM Best, the highest available financial-strength rating.
What sets Chubb apart:
- Cash settlement at total loss. Chubb pays the dwelling limit in cash without requiring you to rebuild. After the January 2025 Palisades and Eaton fires, this option let many clients take cash and relocate rather than fight a multi-year rebuild.
- Wildfire Defense Services. Chubb deploys private ground crews to apply fire-blocking gel and clear defensible space when an active wildfire threatens an eligible home, included at no extra charge.
- Mostly admitted, but E&S is growing. The large majority of Chubb's personal portfolio is admitted, but per Insurance Journal, Chubb's personal E&S business is growing rapidly, including in CAT-exposed states where admitted appetite has pulled back. Ask which paper your specific quote is on.
Chubb is the default benchmark for dwellings above roughly $1.5M, especially where you want admitted paper, deep claims resources, and the wildfire-defense program. It is frequently not the cheapest, and in the highest-hazard ZIPs even Chubb declines or moves the risk to E&S.
