Insuring high net worth individuals is all we do, and it’s all we’ve ever done. This focus has allowed PURE to craft specialized insurance solutions designed specifically for our members. Our policies are broad and flexible. Tailor them to your individual needs, and live confidently knowing that your home and other significant assets are properly covered.
Your home is extraordinary, with custom and unique features, so you need a Homeowners policy that is just as specialized. Our policy offers the flexibility to tailor your coverage to meet your unique needs, including customized options for contents, other structures and additional living expenses.
1. Coverage not available in all states 2. Up to $25,000 for any single item.
You may own a variety of automobiles, including regularly used vehicles, antique cars, luxury motor homes, motorcycles and golf carts. With PURE, you can insure all of them on a single Automobile policy1 designed to reward responsible drivers.
1. Vehicles registered in different states require separate policies.
Your significant assets and unique lifestyle—arising from factors like owning multiple homes, employing domestic staff and more—expose you to an above-average number of liability risks. Lost lawsuits hold the power to threaten not only your existing wealth and future earnings, but also the legacy intended for future generations. PURE’s Personal Excess Liability insurance can help protect that legacy against claims of personal injury, bodily injury and property damage worldwide.
With so much at stake, it’s important to maintain adequate limits of Personal Excess Liability coverage in order to protect your financial future.
Our new Personal Excess Liability Price Discovery Tool was designed to guide you through the purchasing process and provide transparency around pricing. It considers elements of your lifestyle (like your driving history, the size and number of homes and watercrafts you own, and whether you employ domestic staff), offers insights into some of the risks these factors can create, and provides prices for various limits of coverage so you can make a more informed purchasing decision.
The possessions you keep may be worth so much more than dollars and cents. Whether you have a vast and carefully curated art or wine collection, one or two pieces of precious jewelry or something in between, ample and customized protection is critical.
1. Up to the coverage limit for the class to which the item belongs.
Fraud and cybercrime are on the rise, and due to their wealth and uniquely complex lives, high net worth individuals are at a greater risk of being targeted. To help you respond to these risks, PURE StarlingTM is an optional endorsement to our Homeowners policy designed to provide coverage for losses caused by fraud and cybercrime while providing access to resources to help you recover if you become a victim.1
1. Coverage not available in all states.
For advice to help you proactively protect against cyber fraud, download our comprehensive whitepaper, Cybersecurity and Advanced Techniques to Safeguard Your Data.
Whether you own a sailboat, luxury yacht or something in between, PURE’s comprehensive Watercraft policy can accommodate a wide variety of cruising itineraries in domestic and international waters.
1. A Named Storm Deductible may still apply if damage is caused by a hurricane, tropical storm or other named storm. 2. Subject to the limit on your policy.
Flooding is the most common natural disaster, yet flood damage is not covered by a traditional Homeowners policy. With PURE Flood Solutions®, you can select from three levels of protection to obtain and customize flood coverage with incredible precision.
Primary Flood Coverage. Every solution begins with primary flood insurance that PURE offers through the National Flood Insurance Program (NFIP).
Broadened Coverage. For greater protection, you can obtain coverage for things that are excluded by the NFIP by adding a broadening endorsement to your Homeowners policy.
Excess Flood Coverage. You can purchase limits to cover the full value of your home and belongings, no matter where you live, with excess flood coverage. It works in conjunction with our broadening endorsements to offer the most comprehensive protection available.
PURE Flood Solutions also provides you with a seamless claims experience. For example, if a storm causes both wind and water damage to your home, we’ll handle the entire process and provide you with a single point of contact, all with the excellent service for which PURE is known.
Condo & Co-op Insurance
If you prefer the city life, comprehensive and customizable coverage for condos and co-ops is also available. It includes many of the benefits found in our High Value Homeowners program with additional, specialized coverages aimed at the unique risks of living in a city home. For example, flexible blanket coverage allows you to combine Additions & Alterations and Contents into one aggregate limit, giving you the flexibility to apply coverage where it's needed most. Plus, with our Good Neighbor Clause, you can avoid tension with your neighbors if a loss originating in your home causes damage to their home—PURE will pay up to $25,000 to repair it.
PURE Home Systems Protection
You rely on complex and expensive systems to power and run your home. These include systems for heating and air conditioning, home security, swimming pools, home theaters, elevators and more. PURE Home Systems Protection is an optional endorsement designed to enhance our High Value Homeowners policy by adding coverage for losses caused by mechanical and electrical system breakdowns.
Coverage for High-Risk Homes Provided Through PURE Programs®
PURE Programs is an Excess & Surplus (E&S) lines solution designed for high net worth individuals and families with higher-risk homes that are not accepted by the admitted insurance market. It offers an unmatched insurance experience for policyholders, with broader coverage than is typically found in the high net worth E&S market, along with many of the same service benefits afforded to PURE members.
Compare E&S solutions: