Chubb homeowners insurance in Florida,
quoted by an agent who writes both sides of your life.

Chubb in Florida, in one paragraph. Chubb's personal lines cover homeowners, condos and co-ops, renters, cars and classic cars, jewelry, art, wine and collections, boats and yachts, flood, liability, cyber and travel. Chubb's own direction to buyers is to work with an independent insurance agent who can provide a comprehensive risk assessment. The Chubb group carries an A++ (Superior) financial strength rating from AM Best, affirmed in January 2026 with a stable outlook. Chubb publishes a special notice for Florida residents, and Florida wind underwriting is where a Chubb quote is won or lost: roof, openings, distance to water, rebuild value. The application is here; Dennis reads it himself.

Home. Chubb's homeowners coverage is built for houses whose rebuild cost runs well past what a standard carrier will insure, with the extended replacement cost, cash settlement option and contents coverage that a substantial household expects. Condos, co-ops and renters have their own forms. Home appliances and equipment coverage is a separate add-on. Auto and classic cars. Chubb writes the household's cars and its classic cars, with agreed value on the collector side. The usual reason to move the autos with the home is the excess liability policy, which sits over both. Valuables and collections. Chubb Valuable Articles insurance schedules jewelry, art, wine and spirits and collections at agreed values, without the deductible and the sublimits a homeowners form puts on them. Boats and yachts, flood, liability, cyber, travel. Chubb lists each as its own product. Flood is the one to read carefully in Florida: the NFIP writes a residential building to $250,000 and contents to $100,000, and a private-client flood policy either replaces or sits above that. Why the Florida fit matters more than the brand. Every private-client carrier has its own view of Florida wind. Distance to the coast, roof age and attachment, opening protection, construction and the rebuild value decide whether a given carrier will offer the home at all, what the named storm deductible will be, and whether flood has to come from the NFIP first. Section 627.7011(5) of the Florida Statutes stops an insurer from refusing a home solely for roof age under 15 years, or older with an inspection showing five years of useful life, but it does not make a carrier price a 2008 tile roof on a Longboat Key house the way it prices a 2023 one. The right carrier is the one whose appetite matches the house. How Hendrickson Insurance places it. Hendrickson Insurance is an independent agency in Sarasota, Florida. The private-client carriers on this page are quoted through the agency's wholesale private-client partner, which holds the appointments; Dennis Hendrickson builds the submission, reads the quotes and services the account. Send the current declarations pages, the home's rebuild estimate or square footage and year built, the roof year, any wind mitigation or four-point inspection, and the schedule of autos, valuables and boats. One submission goes to every carrier that fits, and the proposal shows them side by side.

Chubb is one of five private-client markets Hendrickson Insurance quotes for Florida homes. PURE is a Florida-domiciled, policyholder-owned reciprocal. Vault is a Florida-domiciled reciprocal with offices in Tampa and West Palm Beach. Private Client Select is the former AIG Private Client Group, now an independent managing general agency based in Florida. Berkley One entered Florida in 2019 with a private flood product for eligible zones. A household that gets one Chubb quote and nothing beside it has not shopped the market.