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High Value Home Insurance

Specifically designed for luxury homes

Your home is extraordinary, with custom and unique features, so you need a Homeowners policy that is just as specialized. Our policy includes benefits like Guaranteed Replacement Cost, coverage for lost or stolen jewelry and the flexibility to choose whether to rebuild or receive a cash settlement if your home is a total loss. If your home is valued at $1 million or more, PURE might be right for you.

Notable features of high value home insurance

    Flexible Rebuilding Options

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


    Guaranteed Home Replacement Cost

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

    Jewelry Coverage Included in Your Homeowners Policy

    Our high value Homeowners policy includes $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 and avoid out-of-pocket expenses at the time of a claim.2

    Broad Coverage for Sewer and Drain Backups

    If a sewer backs up and causes your drains (whether inside or outside of your home) or toilets to overflow, we will pay to clean it up and replace or rebuild damaged property, up to the limit on your policy.

    Flexible Deductible Options & Waiver of Deductible

    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 your deductible is $25,000 or less and you experience a covered loss that is more than $50,000, we will waive your deductible.

    Coverage to Help You Prevent a Similar Loss

    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.

1. Coverage not available in all states 2. Up to $25,000 for any single item.

MEMBER STORY

Rebuilding a family tradition

A fire started in the Primos’ basement and quickly spread throughout the home, causing extensive damage. As part of their high value homeowners policy, a PURE Member Advocate® arranged temporary housing for the family.

Among the items destroyed was the family’s rare collection of heirloom holiday ornaments. Placing and enjoying these decorations had always been an important part of their family’s holiday traditions, and they were devastated. Over the course of five months, the Member Advocate researched, located and arranged for the purchase of replacement pieces to rebuild the collection in time for the next holiday season.

Services to make your life easier

    Helping You Reduce Risk to Your Home

    The best way to protect your home is to prevent losses from happening in the first place. PURE Risk Managers conduct a PURE360 Risk Management Consultation and 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.

    Claims Service that Exceeds Your Expectations

    While we do everything in our power to help you prevent a loss, claims do happen. Our adjusters will work directly with you to deliver a hassle-free claims experience with speed, professionalism and compassion. A PURE Member Advocate will be available during and after the claim to help you locate temporary housing, connect with local contractors and vendors, replace lost items and more.

Learn more about our services

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

3. Average annual savings for homeowners nationwide who reported prior carrier premiums from May ’19 to April ‘21.

We’d love to talk

If you own a $1M+ home and other high value assets, PURE membership might be right for you. Fill out our quick, secure form to request a proposal and a PURE Advisor will reach out to chat within 1 business day.

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