Complaint Score
73.2 of 100
Normalized by premium volume across 50 states
Above avg
Chubb Property: 987 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade B.
Part of Chubb
NAIC Code: 20281
Good — below-average complaints
Chubb Property performs better than most insurers in terms of complaint volume relative to premiums written. While not in the top tier, the below-average complaint rate suggests that policyholders are more satisfied than at competing companies. Consumers can generally feel confident choosing Chubb Property for coverage.
Chubb Property's composite score of 73.2 is derived from complaint ratios and operational data across 50 states. Scores above 70 indicate above-average consumer issues.
Chubb Property appears in PlainInsurer's regulatory database with 987 justified complaints on file across 50 states under NAIC code 20281, operating as part of Chubb. The company's composite score of 73.2 translates to a reputation grade of B — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Chubb Property reports activity in 1 line of business (Home Insurance). Its complaint score of 73.2 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Chubb Property, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current B grade suggests fewer consumer problems than at most insurers of similar size, which is a positive signal — though coverage terms, price, and state-specific licensing still matter for any purchase decision. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Complaint Score
73.2 of 100
Normalized by premium volume across 50 states
Above avg
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 20281
Composite score of 73.2 — lower is better
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Home Insurance | 987 | 0.67 -33% vs. avg
| 50 |
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Chubb Property across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
If you have a dispute with Chubb Property or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Understand what the numbers mean for Chubb Property
Step-by-step internal and external review process
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See a side-by-side complaint ratio and denial rate comparison.
Read our methodology — how this data is sourced, computed, and verified.