If a fire or other event destroys your home, our coverage gives you the option to rebuild or receive a cash settlement. It’s that simple—you decide.

Our coverage can provide peace of mind in knowing that your luxury home can be rebuilt, even when the actual cost to do so exceeds your policy limits.¹

Our high value home policy can include up to $50,000 of coverage for lost, misplaced or stolen jewelry. This helps to better protect your valuables that are not covered by a dedicated collections policy so you can avoid out-of-pocket expenses at the time of a claim.²

We give you the flexibility to choose a deductible for your luxury home policy that best fits your lifestyle and we also recognize that large losses can be extremely disruptive. So, if the standard deductible on your homeowners policy (also known as your All Other Perils deductible) is $25,000 or less and you experience a covered loss that is more than $100,000, we will waive your deductible.³

For covered losses greater than $10,000, we will contribute up to $2,500 to help you implement a solution that reduces the likelihood of a similar loss. Members use this benefit to invest in whole-house generators, leak detection systems, lightning suppression systems and other loss prevention solutions.
 

During the PURE360^® Risk Management Consultation, a risk manager will recommend ways you can reduce risk to your home, document its unique features to help you recover more quickly at the time of a claim and ensure you have adequate coverage to rebuild. Our Risk Management Services team can help implement recommendations made by your risk manager, from vendor selection to appointment scheduling.

While we do everything in our power to help you prevent a loss, claims do happen. Our adjusters will work directly with you and do their best to deliver a hassle-free claims experience with speed, professionalism and compassion. Your adjuster and PURE Member Advocate provide support throughout your claim, including things like finding you temporary housing, connecting you with local contractors and replacing lost items. 

Our loss prevention programs are focused on helping members understand and take steps to minimize (or even eliminate) the different risks they face. We offer complimentary monitoring technology and repair services like Ting and LeakBot to proactively reduce the risk of electrical fires and water damage.⁴

For homes in wildfire-prone states, our Wildfire Mitigation program includes a proactive property assessment and action plan to make your home more resilient. If an active wildfire threatens your home, our emergency response services may be dispatched and take action to protect it. 

There can be many unknowns in the home buying process. Hidden water damage. Unpermitted home improvements. High flood risk. Uncovering issues like these earlier on can help you make a more informed buying decision. The PURE Home Spotlight^® is an easy-to-run report provides data and insights on property-specific risks like flood or fire, information on past insurance claims and building permits, as well as insurability.

The PURE Situation Room^® notifies you with a phone call or an email in the event of an emergency or when risks like automobile recalls are expected to impact you directly. We provide you with resources, advice and assistance to help your family and property safe.