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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 one business day.
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We’re different. And our members like that about us.
YOU’RE NOT JUST A POLICYHOLDER
Our reciprocal model is one of the driving forces behind what makes us so unique. It positions you—our member, not shareholders—at the center making us work hard to keep you happy.
WE PRIORITIZE FAIRNESS
As a member of PURE, you don’t pay whatever the market will bear. Instead, your premiums are based on your unique risk factors.
WE’RE NOT GREEDY
If we collect more in premiums than we pay out in claims and expenses for the year, some of that surplus may be allocated back to members through Subscriber Savings Accounts. To date, we’ve allocated more than $100 million to these accounts.
WE REWARD RESPONSIBILITY
By limiting membership to those who are less likely to experience a claim, we can keep premiums lower.
WE’VE GOT YOUR BACK
We aim to offer tools and services that help to make our members smarter, safer and more resilient. From pre-season and emergency response wildfire services to the PURE Situation Room, aimed at alerting you when a major event is likely to impact you.
WE PROVIDE MORE THAN JUST COVERAGE
We do more than just deliver a policy. We help make your properties safer and your life easier, act as your partner (not your adversary) during a claim, and provide broad coverage that’s designed with you in mind.
Industry watchers like us
PURE is the most awarded firm in its class of specialty property and casualty insurers.
But more importantly, members love us
And at the end of the day, that’s what it’s all about
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93.9% renewal rate
Nearly 19 of every 20 PURE members renewed their membership in 2021.
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100,000+ members
PURE reached the 100,000-member milestone in Q1 2021.
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61 Net Promoter Score®
This reflects a highly engaged and enthusiastic membership and is nearly 40 points higher than the insurance industry average according to Satmetrix.