Your home is more than bricks and mortar—it’s your place of comfort where many fond memories are made. When something happens, you want to feel confident that you’ll have your life back without hassle or delay. Choosing the right homeowner’s insurance policy is an important part of protecting your safe place. Muller Insurance is an independent agent based in Hoboken, New Jersey, that works with more than 20 leading insurance companies, including Chubb Insurance. Here, we discuss Chubb Insurance, what it offers for homeowners in NJ and in other states we are licensed with Chubb. We explain how it compares with other options or other carriers, so you can make an informed decision on your insurance purchase.
Benefits of Choosing Chubb Insurance
Insurance isn’t cheap, but it’s essential for peace of mind and protection. When you invest in home protection, you often get what you pay for. Premier companies like Chubb don’t just offer the base level of protection—you also gain extra benefits. Here are just some of the advantages that Chubb offers its homeowner’s insurance policyholders:
- Replacement cost coverage: Your home is more than a building. If things inside your home are damaged, Chubb will help you replace those details to make your house feel like a home again – including appliances, custom cabinets, and more.
- Extended replacement cost: With this coverage, Chubb will pay to have your home repaired or rebuilt to its original condition – even if the cost exceeds your policy limit. This includes upgrades necessary to comply with local building codes.
- Temporary living arrangements: After your home is struck with severe damage, your home may not be a safe place to live. Chubb will help you find a place to stay until repairs are completed, whether at a similar home in your school district or a hotel.
- Risk consulting: With complimentary home appraisals, Chubb’s risk consultants will visit your home to note the things most important to you. This helps them understand your home and make sure it is fully protected.
- Cash settlement: After a total loss, you may not choose to rebuild in the same location. If this is your decision, Chubb will offer a cash settlement up to your policy limit – helping you pay for a new start wherever you choose to go.
- The extras: Chubb will also help you pay for the unexpected extras – whether it’s tree removal after a storm, restoring electronic data, or replacing a lock if your keys were stolen. It also offers HomeScan to identify risks that can be addressed before damage takes place.
Protecting your home isn’t where you want to cut corners. Invest in a high-quality provider like Chubb, and you’ll gain peace of mind that your way of life is safe – no matter what might happen.
Add-Ons Available with Chubb
Chubb protections don’t stop at the base policy, either. For homeowners who face special risks or who want additional assurances, Chubb also offers optional policies. Add-ons from Chubb include:
Flood Coverage (Separate Policy)
Flood damage is not included in the usual homeowner’s policy. In coastal regions, near lakes or rivers, or on low ground, however, flooding is a frequent concern that may cause devastating damage each time the water rises. Flood damage is some of the most expensive to repair, so if your home is at risk, it’s important to make sure it’s protected. Chubb offers flood coverage in accepted areas to help you get back to normal after a flood.
Equipment Breakdown Coverage
After a disaster, your home may not be the only thing damaged. Standard homeowner’s policies aren’t designed to cover equipment that stops working, like the mechanics. This is why Chubb offers Equipment Breakdown coverage. If a disaster occurs out of the blue, homeowners will receive financial aid to repair or replace their damaged home appliances and systems – from the kitchen stove to the HVAC system – without depreciation.
Why Choose Muller Insurance?
Of course, homeowner’s policies aren’t one size fits all. The perfect policy for one household may not meet the coverage needs or budget of another. This is why it may be valuable to partner with an independent agent like Muller Insurance. We don’t only represent one provider; instead, we work with over 20 leading companies, including respected names like Chubb, Lemonade, Travelers, and Farmers. This allows us to choose from a variety of policy options to help clients find the perfect coverage for their needs.
We also offer exceptional customer service to make your experience as enjoyable as possible. For over 118 years, we have worked hard to develop a solid reputation that clients in over 20 states can trust. The team at Muller Insurance can often find bundling opportunities to save you money.
Improve Your Homeowner’s Insurance in NJ Today
Are you dissatisfied with your current insurance policy? Don’t settle for less than your ideal homeowner’s insurance – make sure you are adequately protected by partnering with Muller Insurance. For over 100 years, we have served clients in New Jersey, New York, Connecticut, and other states, helping homeowners find the best policies for their needs. To learn more about Chubb Insurance or the other companies we represent, contact us or request a quote today.
