Chubb Masterpiece® Homeowners Insurance vs. Lemonade Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

Chubb Masterpiece® Homeowners Insurance

Chubb

4.7

Premium policy for high-value homes ($750K+). Cash settlement. Extended replacement.

Full review →

Lemonade Homeowners Insurance

Lemonade

4.4

Policies from $25/mo. AI claims processing. B Corp certified.

Full review →

WealthSpott Verdict

Lemonade Homeowners Insurance wins on more measurable categories. Chubb Masterpiece® Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature

Chubb Masterpiece® Homeowners

Lemonade Homeowners Insurance

WealthSpott Rating

4.7 / 5 Best

4.4 / 5

Coverage Type

Home Insurance

Avg Annual Premium

—

~$1,450/yr Best

AM Best Rating

A++

—

J.D. Power Score

889 / 1000

— Best

Mobile App Rating

—

Chubb Masterpiece® Homeowners Insurance

Full review

Lemonade Homeowners Insurance

Full review

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