Why PURE
Here you’re not just a policyholder–you’re a member
Which means we work hard to do what’s right for you.
WE PRIORITIZE FAIRNESS
As a member of PURE, you don’t pay whatever the market will bear. Instead, your premiums are based simply on your risk factors.
As a member of PURE, you don’t pay whatever the market will bear. Instead, your premiums are based simply on your risk factors.
WE ARE HIGHLY SELECTIVE
By building a membership of the most responsible owners of the finest homes, we are able to keep claim costs down, which helps keep premiums fair and service astonishingly good.
By building a membership of the most responsible owners of the finest homes, we are able to keep claim costs down, which helps keep premiums fair and service astonishingly good.
WE’RE NOT GREEDY
If PURE collects more in premiums than we pay out in claims and expenses for the year, some of that surplus may be allocated back to members.1
If PURE collects more in premiums than we pay out in claims and expenses for the year, some of that surplus may be allocated back to members.1
WE’VE GOT YOUR BACK
We are constantly looking for ways to make our members safer and help them avoid future claims. In some cases, we even contribute to the cost of installing loss prevention solutions that will prevent a claim from reoccurring.
We are constantly looking for ways to make our members safer and help them avoid future claims. In some cases, we even contribute to the cost of installing loss prevention solutions that will prevent a claim from reoccurring.
1. Subscriber Savings Accounts (SSAs) remain on PURE’s balance sheet and are available to PURE to meet its claim or expense obligations. The precise handling of SSA’s is subject to PURE’s Subscriber’s Agreement and Power of Attorney, with oversight from the Florida Office of Insurance Regulation. PURE’s operating results depend substantially upon the Company’s loss experience. Actual experience may deviate from expected results due to factors including frequency of losses or multiple large losses.
Insuring high net worth individuals is all we do
By focusing entirely on this space—and welcoming only highly responsible members—PURE can offer more generous coverage and fair pricing.
Industry watchers like us
PURE is the most awarded firm in its class of specialty property and casualty insurers.
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Best High Net Worth Insurance Company, Private Asset Management Awards, 2018-2025
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Winner - Insurance Company of the Year, The American Business Awards, 2023-2025
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Best Insurance Underwriter, Family Wealth Report Awards, 2016-2025
But more importantly, members love us
And at the end of the day, that’s what it’s all about.
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94% renewal rate
Nearly 19 of every 20 PURE members renewed their membership in 2025.
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115,000+ members
Our membership is made up of more than 115,000 successful individuals and families from across the the U.S. and Canada.
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51 Net Promoter Score® in 2025
This reflects a highly engaged and enthusiastic membership and is nearly 30 points higher than the insurance industry average according to Satmetrix.
MEMBER SPOTLIGHT
"It wasn’t like working with an insurance company. The calm that they gave us and the general feeling of caring they displayed—to this day, we talk about how much that meant to us." Drs. Lauren & Richard Browne members since 2014
MEMBER SPOTLIGHT
"I can’t tell you how shocked I was at how pleasant everybody was. How accommodating, friendly and open they were." Katherine Quinn member since 2013
MEMBER SPOTLIGHT
"Who’d have thought these people from your insurance company would come into your life, that you would be sitting at a lovely restaurant having dinner with them?" Natasha Trethewey & Brett Gadsden members since 2017
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Report to Members
We publish an annual report to members in the spirit of transparency. It provides an in-depth view of company financials, highlights the benefits of membership and tells the stories of PURE members.
Read the report
The PURE difference
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Member Advocates: supporting you before, during and after a claim
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Risk Managers: providing hands-on expertise to help you prevent loss
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Subscriber Savings Accounts: When the company does well, our members benefit, too
