If you’ve worked hard to build significant assets — a beautiful home, valuable collections, multiple vehicles, or a growing investment portfolio — you already know that “standard” insurance often isn’t enough. That’s why we’re excited to share some good news: Ameriguard Insurance Agency now offers coverage through Chubb Insurance, one of the most respected names in high net worth personal insurance.
Why This Matters to You
Most home and auto insurance policies are built for the “average” household. They come with coverage limits, exclusions, and claims processes designed around typical needs. But if your home is valued well above the norm, if you own fine art, jewelry, or a wine collection, or if you simply want a higher level of service and protection, a standard policy can leave real gaps.
Chubb was built specifically to close those gaps. For over 100 years, Chubb has specialized in protecting successful individuals and families — and now, as an Ameriguard client, you have access to that same level of protection.
What Makes Chubb Different
Here are a few of the reasons we’re excited to bring Chubb into our carrier lineup:
Higher and more flexible coverage limits. Chubb policies are designed to match the true value of high-value homes, so you’re not stuck with an outdated or capped limit that leaves you underinsured.
Broader protection, fewer surprises. Chubb often covers things standard carriers exclude or limit — think water damage, backup of sewers and drains, and coverage for valuable items like jewelry, art, and collectibles.
Cash settlement options. If your home is damaged, Chubb gives you more flexibility in how a claim is settled, rather than forcing a one-size-fits-all rebuild process.
Concierge-level claims service. When something goes wrong, you want it handled quickly and personally. Chubb is known for white-glove claims handling, often assigning a dedicated adjuster from start to finish.
Risk consultation and prevention services. Chubb doesn’t just insure your home — many policies include access to risk management resources, from wildfire mitigation consulting to water-leak detection recommendations, all designed to help you avoid a claim in the first place.
Is Chubb Right for You?
Chubb tends to be an excellent fit for households that have:
- A home valued significantly above the local average
- Multiple properties, or a vacation/second home
- High-value jewelry, art, wine, or collectibles
- A need for higher liability protection (umbrella coverage)
- A desire for a more personalized, high-touch insurance experience
If any of that sounds like you, it’s worth a conversation.
What This Means for Our Current Clients
If you’re already an Ameriguard client, this doesn’t change anything about your existing coverage — but it does mean we now have another excellent tool in our toolbox. As your needs grow and change, we can shop your coverage against Chubb to make sure you’re getting the protection (and the value) you deserve.
Let’s Talk
Insurance for high net worth households isn’t something you want to figure out on your own — it deserves a real conversation about your specific home, assets, and goals. Our team at Ameriguard is here to walk you through what Chubb coverage could look like for your household, answer your questions, and help you decide if it’s the right fit.
Reach out to our team today to see if Chubb Insurance is the right match for protecting what you’ve built.
Ameriguard Insurance Agency — proudly serving personal and commercial insurance clients across Minnesota, Wisconsin, Indiana, Colorado, Delaware, Kentucky, Arizona, Georgia, Washington, Ohio.