Premium by coverage
Quoted packages and current Chubb
| Coverage | Cincinnati | PURE | Berkley One | Current Chubb |
|---|
Executive comparison
Annual premium snapshot
Three complete indications plus the current Chubb home, valuables, auto and excess renewals.
Total comparison
Annual premium
Current program
Current Chubb policies supplied
Renewal term November 11, 2026 to November 11, 2027.
Current annual renewal total$59,821.30
Total across the supplied Chubb home and valuable articles, automobile, and personal excess renewals. Shown for current-program context; the proposed packages may not be directly comparable and flood remains separate.
Homes and contents$15,258
Valuable articles$10,649
Automobile$22,994
Excess liability$10,798.94
NJ surcharges$121.36
Chubb policy 16177398-01
Homes and contents plus valuable articles. Renewal premium: $25,970.87.
Chubb policy 268-10-65-90A
Six automobiles for November 11, 2026 to November 11, 2027. Base premium: $22,994; NJ surcharge: $57.49; renewal premium: $23,051.49.
2021 Ford Bronco; 2024 Audi Q3 and Q5; 2025 Porsche 911 and Cayenne; 2026 Porsche 911.
Chubb policy 16177398-03
Personal excess liability, including listed residence and vehicle exposures. Renewal premium: $10,798.94.
Prior Chubb package | 2025–26
Policy 268-10-65-90 | November 11, 2025 to November 11, 2026
Home$5,678.99
Auto$15,162.35
Umbrella$7,850.48
Valuables$9,103.23
Issued package total$37,795.05
| Vehicle | Comp / collision deductible | Vehicle premium |
|---|---|---|
| 2021 Ford Bronco | $1,000 / $1,000 | $2,008 |
| 2024 Audi Q3 | $2,000 / $2,000 | $1,665 |
| 2024 Audi Q5 | $2,000 / $2,000 | $2,133 |
| 2025 Porsche 911 | $2,000 / $2,000 | $6,908 |
| 2025 Porsche Cayenne | $2,000 / $2,000 | $2,403 |
| 2026 Porsche 911 Supplied addition | $2,500 / $2,500 | $7,262 |
The carrier-issued renewal listed five vehicles and included a 10% package credit for New Jersey locations. The 2026 Porsche 911 was supplied separately and is not included in the issued $37,795.05 package total.
All three supplied Chubb renewals are now included in the current-program total. Neptune flood remains a separate option and is not included in Chubb.
Carrier comparison
Berkley One vs. current Chubb
Side-by-side view of the supplied quote and renewal.
Annual package premium before the separate Neptune flood option.
Annual renewal including $121.36 in New Jersey surcharges.
Berkley is 53.4% below the supplied Chubb renewal total.
Coverage breakout
Quoted terms compared with current renewal terms
| Coverage | Term | Berkley One | Current Chubb | Result |
|---|---|---|---|---|
| Premium | ||||
| Home | Annual premium | $6,128 | $15,258 | Berkley -$9,130 |
| Auto | Annual premium | $9,067 | $22,994 | Berkley -$13,927 |
| Valuables | Annual premium | $5,097 | $10,649 | Berkley -$5,552 |
| Excess | Annual premium | $7,582 | $10,798.94 | Berkley -$3,216.94 |
| Package | New Jersey surcharges | Included in quoted total | $121.36 | Berkley lower |
| Home | ||||
| Property | Dwelling limit | $3,218,000 | $3,218,000 | Match |
| Property | Other structures | $778,800 | $778,800 | Match |
| Property | Contents / personal property | $1,554,300 | $1,554,300 | Match |
| Property | Base deductible | $10,000 all perils | $10,000 | Match |
| Liability | Personal liability / medical payments | $500,000 / $50,000 | $500,000 / $50,000 | Match |
| Systems | Equipment breakdown | $100,000; $1,000 deductible | $500,000; $1,000 deductible | Chubb higher |
| Systems | Service line | $25,000; $1,000 deductible | Not itemized in the declaration summary | Confirm Chubb |
| Property | Fungi or bacteria | $20,000 | Not itemized in the declaration summary | Confirm Chubb |
| Cyber | Cyber endorsement | Included; $250 deductible | Not itemized in the declaration summary | Confirm Chubb |
| Flood | Primary residence flood coverage | Unavailable through Berkley; Neptune quoted separately | Confirm current Chubb renewal terms | Review separately |
| Automobile | ||||
| Liability | Combined single limit | $500,000 | $500,000 | Match |
| UM/UIM | Uninsured / underinsured motorist | $500,000 | $500,000 | Match |
| PIP | Medical expense / deductible | $250,000 / $250 | $250,000 / $250 | Match |
| Vehicles | Covered schedule | Six vehicles; two drivers | Six vehicles; two drivers | Match |
| Physical damage | Comprehensive / collision deductibles | $1,000 Bronco; $2,000 most vehicles; $2,500 comprehensive on 2026 Porsche | Same deductible pattern shown on the renewal | Aligned |
| Enhancements | Agreed value and full glass | Included | Included | Match |
| Valuable articles | ||||
| Jewelry | Scheduled jewelry | $154,468 | $154,468 | Match |
| Jewelry | Blanket jewelry / per-item limit | $400,000 / $50,000 | $400,000 / $50,000 | Match |
| Fine art | Scheduled / blanket | $20,000 / $200,000 | $20,000 / $200,000 | Match |
| Collections | Blanket stamps and related collections | $100,000 | $100,000 | Match |
| Personal excess liability | ||||
| Excess | Personal excess liability | $20,000,000 | $20,000,000 | Match |
| UM/UIM | Excess uninsured / underinsured motorist | $1,000,000 | $1,000,000 | Match |
| Underwriting | Status | Quote subject to final underwriting | Current renewal | Chubb in force |
Berkley One is a proposal and Chubb is the current renewal, so policy forms and definitions may differ even where limits match. Rows marked “Confirm Chubb” were not itemized in the supplied Chubb declaration summary and should be verified before binding.
Policy features
Coverages and endorsements
Named forms and enhancements shown in the supplied quote and renewal materials.
Home
Berkley One
- Guaranteed replacement cost
- Home Suite One Endorsement
- Equipment Breakdown: $100,000 with $1,000 deductible
- Home Suite Line: $25,000 with $1,000 deductible
- Fungi or Bacteria: $20,000
- Loss Assessment - Residence Premises: $100,000
- Association Deductible Assessment: $10,000
- Cyber Coverage Endorsement: $250 deductible
- NJ Workers' Compensation and Employers Liability: $100,000
Current Chubb
- Masterpiece Home contract
- Equipment Breakdown: $500,000 with $1,000 deductible
- Home Deductible Reserve
- Escaped Liquid Fuel Coverage
- Flood / Surface Water Coverage Confirm limits
- New Jersey Home Endorsement
- NJ Workers' Compensation endorsement Confirm limit
- Chemical Hazards Exclusion
Automobile
Berkley One
- Agreed value coverage by vehicle
- Full Glass Coverage
- Auto Loan / Lease Coverage on financed vehicles
- Limitation on Lawsuit option
- Extra PIP Package: $700 / $72,800
- $500,000 UM/UIM bodily injury and property damage
Current Chubb
- Agreed Value Coverage
- Comprehensive - Full Glass
- Auto Deductible Reserve - Comprehensive
- Auto Deductible Reserve - Collision
- New Jersey Added Personal Injury Protection Coverage
- New Jersey Uninsured Motorist Coverage - Single Limit
- New Jersey PIP Pre-Certification Notice
Valuable articles
Berkley One
- Scheduled jewelry: $154,468
- Blanket jewelry: $400,000; $50,000 per item
- Scheduled fine art: $20,000
- Blanket fine art: $200,000; $50,000 per item
- Blanket stamps: $100,000; $50,000 per item
Current Chubb
- Scheduled jewelry: $154,468
- Blanket jewelry: $400,000; $50,000 per item
- Scheduled fine art: $20,000
- Blanket fine art and collectibles: $200,000
- Other blanket collections: $100,000
Personal excess liability
Berkley One
- Personal Excess Liability: $20,000,000
- Excess UM/UIM Coverage: $1,000,000
- Uninsured / Underinsured Liability Coverage: $1,000,000
- Two residences, nine autos and two drivers shown
- Quote subject to final underwriting
Current Chubb
- Personal Excess Liability: $20,000,000
- Excess UM/UIM Coverage: $1,000,000
- Scheduled residence and vehicle exposures
- Current renewal term: November 11, 2026 to November 11, 2027
- Issued renewal; policy wording controls
Important: Endorsement titles do not guarantee identical coverage. Review form language, exclusions, sublimits and definitions before replacing Chubb. Items marked “Confirm” are carried forward from the available Chubb materials but require confirmation on the current issued renewal.
Coverage explorer
Compare the important terms
Select a coverage to update all three carrier summaries.
Decision center
Binding checklist and open items
Check items as they are confirmed during the placement process.
Information to confirm
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Separate Neptune flood option
$454.60$250,000 building, $100,000 contents, $5,000 deductible and $10,000 temporary living expense. Use the flood toggle above to add it to all three proposed package totals.
Decision summary
$718Difference between PURE and Berkley One before flood. Cincinnati is $8,795 above the lowest quoted package and remains subject to referred underwriting.