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High Value Home Insurance

A unique insurance solution for your luxury home.

Your home is extraordinary, with custom and unique features, so you need a Homeowners policy that is just as specialized. Our high value home insurance policy offers the flexibility to tailor your coverage to meet your needs, including customized options for contents, other structures and additional living expenses. If your home is valued at $1 million or more, PURE might be right for you.

Replace, Rebuild or Receive a Cash Settlement.

If a fire or other event destroys your home, you may wish to rebuild it, or you may not. With PURE’s high value Homeowners insurance, you have the option to either rebuild your home or receive a cash settlement. It’s that simple; you decide.

Guaranteed Replacement Cost.

We know that estimating the cost to rebuild your home isn’t an exact science. PURE’s Guaranteed Replacement Cost provides peace of mind in knowing that your home can be rebuilt in like kind and quality, even when the actual cost to do so exceeds your coverage limits.1

Ample Jewelry Protection.

While a dedicated insurance policy for your jewelry helps to ensure that your pieces are protected, we understand that some items may not be included on your schedule. PURE's high value Homeowners policy affords coverage up to $50,000 for jewelry that is lost, misplaced or stolen, helping you better protect your valuables and avoid costly out-of-pocket expenses.2

Broad Coverage for Sewer and Drain Backups.

If a sewer backs up and causes drains or toilets to overflow, we will pay to clean up the damage and replace or rebuild damaged property—regardless of whether it’s an interior or exterior drain.

Comprehensive Risk Prevention for Your Luxury Home.

The best way to protect a home is to prevent losses from ever happening in the first place. PURE Risk Managers recommend ways to make your home safer and take advantage of premium discounts. A PURE Member Advocate® can help implement those recommendations, from vendor selection to appointment scheduling. And if a loss does occur, we want to help reduce the likelihood of it happening again, so we offer up to $2,500 through our Loss Prevention Benefit for covered losses greater than $10,000.

Thanks to a low cost of capital, careful member selection and proactive risk management, members report an average annual savings of more than 20% on their Homeowners insurance when switching to PURE.3 Learn how you can benefit and save with a PURE Homeowners policy.

Request a Proposal Learn more about homeowners coverage

1. Coverage not available in all states 2. Up to $25,000 for any single item. 3. Average annual savings for homeowners nationwide who reported prior carrier premiums from April ’19 to April ‘20.

A Family Tradition

A fire originated in a PURE member’s basement and quickly spread throughout the home, causing extensive damage. The loss was reported to PURE, and her PURE Member Advocate® reached out to arrange temporary housing for the family and members of their household staff. Along with many other valued possessions, the member’s treasured collection of rare heirloom holiday ornaments had been destroyed. Placing and enjoying these decorations had always been an important part of her family’s holiday traditions, and she was devastated. Over the course of five months, her Member Advocate researched, located and arranged for the purchase of replacement pieces to rebuild the collection in time for the next holiday season.