PURE Now, there's a bright idea

PURE is a specialty insurance company built on a simple idea: The most responsible owners of the finest built homes deserve to pay lower premiums, without sacrificing quality of coverage or service.

• 

  NEW Video – Member Stories

  Listen to actual members as they tell of their experiences with PURE – from claims and risk management services to savings scenarios.

• 

  Request a Quote

  Click here or call (888) 814-PURE to start your no-obligation quotation today. Speak to one of our representatives or contact one of our appointed agents and discover the savings you can realize.

• 

  Find an Agent

  We work with a select group of the finest independent agents in each state. Click here or call (888) 814-PURE to find out if your agent is appointed with us, or to locate an appointed agent in your area.

• 

  Annual Report to Members

  Our books are always open. Read our 2011 Annual Report to Members for a comprehensive view of our finances, review of operations and stories from our members.

• 

  The PURE Promise^®

  We have an ongoing commitment to helping our membership reduce the long term cost of risk. Learn about the PURE Promise^® and how it enhances the value of PURE membership.

• 

  Take the Quiz

  Considering the move from a standard to specialist insurer? Answer these 10 questions to find out whether a company like PURE is designed to meet your needs.

• 

  Coverage Benchmark

  Tell us the location and size of your home, and we’ll help you get a coverage amount benchmark by comparing your home against the highest and median cost to rebuild of the homes of PURE members in your area.

• 

  Testimonials

  We couldn't have said it better ourselves! Learn more about PURE through stories about our claims service, coverage and savings, directly from our members.

• 

  Member Advocate

  In a role that’s unique to PURE, our Member Advocate not only assists members in the event of a claim, but can also help members take steps to prevent losses before they happen.

• 

  Deductible Benchmark

  Select various deductible amounts to calculate how much you can expect to save annually on your PURE High Value Homeowners premiums, and to see a benchmark of our choice against those of the PURE membership.

• 

  Personal Excess Liability Benchmark

  Choose a coverage appropriate for your circumstances and calculate the approximate cost of your policy. We'll also show you a benchmark of the proportion of the PURE membership that maintains a similar limit.

PURE In The News

• High-End Protection MORE >
• Insurance Options Increasing MORE >
• The Value is in the Service MORE >

PURE Products

High Value Homeowners Insurance
PURE offers comprehensive coverage to the most responsible owners of the finest built homes. Our coverage is among the broadest in the industry, and offers the flexibility to tailor your policy to meet your unique needs. »

Private Fleet Auto Insurance
Comprehensive car insurance – including protection for antique cars, luxury motor homes, motorcycles and golf carts – all on one policy and often at significantly lower rates. »

Jewelry, Art & Collections
Simply put, many families pay too much to insure their valuables. PURE provides high quality coverage for nearly all types of valuables, often at a fraction of the cost. »

Personal Excess Liability Coverage
Our personal excess liability policy protects you from lawsuits filed against you and your family for personal injury and property damage. »

Yacht and Watercraft Insurance
PURE's watercraft insurance policy offers coverage that meets the quality and comprehensiveness of the rest of PURE's product suite. »

PURE Services

Claims
PURE's team of licensed claims adjusters will work one-on-one with you to deliver a hassle-free claim experience. Our adjusters respond to losses large and small with speed, professionalism and compassion.  »

Risk Management
We know that taking the right steps today can help to prevent problems in the future. We also recognize that fewer claims for one member ultimately results in lower premiums for our entire membership. »

Member Advocate
PURE's Member Advocate assists members in the event of a large claim, as well as with risk management and loss prevention. »

More About Privilege Underwriters Reciprocal Exchange

PURE provides comprehensive, customized insurance to successful, responsible individuals and families. We are distinguished by our high quality insurance coverage, flexible solutions, exceptional claims service and the personalized attention we pay to each of our members.

PURE is a member-owned, financially secure specialist insurer. Unlike most other insurers that strive to deliver gains for shareholders, PURE is owned by - and operated in the interests of - its members. We are highly selective in choosing members, which helps us to keep premium and claim costs down. Our financial strength is rated A- (Excellent) by A.M. Best, a leading independent insurance rating agency.

Our comprehensive product suite includes:

High Value Homeowners Insurance - Our coverage is among the broadest in the industry, and flexible enough to be tailored to each member's unique needs.

PURE also offers windstorm and excess flood coverage in many areas that have previously had limited availability for homeowners.

Private Fleet Auto - Protection for vehicles, including antique cars, luxury motor homes, motorcycles and golf carts.

Jewelry, Art & Collections - Protection for nearly all types of valuables - including jewelry, fine art, collectibles, coins, stamps, silver, and wine.

Personal Excess Liability Coverage - Coverage against claims made against members for personal injury and property damage.

Watercraft Insurance - Quality, comprehensive policies that may include protection from windstorms in hurricane-prone areas, under certain conditions.

Beyond the comprehensive product suite we offer, PURE provides the highest quality service experience to members:

Member Advocates - PURE provides a personal advocate to assist members in the event of a claim, as well as with risk management and loss prevention advice regarding the protection of property and valuables.

Risk Management - With the assistance of PURE's team of risk managers, members receive advice to reduce the likelihood of damage to their property or to minimize the impact of a loss. Of equal importance, the PURE Member Advocate helps members execute that advice.

Claims Services - Our team of licensed claims adjusters strive to deliver a hassle-free claim experience. Performing with speed, professionalism and compassion, they are dedicated to keeping members informed of progress and explaining their options clearly.

PURE maintains trusted partnerships and consistent communication with our outstanding network of agents. Together, PURE and these leading agents collaborate to ensure that members receive sound guidance and comprehensive coverage.

It is our pleasure to offer our unique and innovative home insurance model to owners of high-value homes in more states.  We look forward to our national expansion as we continue to provide comprehensive coverage to responsible, successful families throughout the United States.