We think you’d be a great fit for membership with PURE
Our membership is at the center of everything we do
When you join PURE, you’re joining a membership of responsible high net worth families who have come together to insure their homes and other high value assets.
Our model is designed to put members first. This helps us deliver so much more than just a policy because we are focused on doing what’s right for you. Our model also incentivizes us to offer generous coverage at fair pricing, pay what is owed after a claim and deliver excellent service to members.
Find out why more than 100,000 successful, responsible individuals and families put their trust in PURE
We focus on claims service
While we do everything in our power to help you prevent loss, we understand claims do happen. So we provide a caring, compassionate and seamless experience designed to minimize the demands of insurance on your time.
We remove administrative hassles during the claims process
Your PURE Member Advocate® will assist you throughout your entire claim, helping to make the process as smooth as possible. They can book rental cars, schedule repairs and or even hunt for replacements for items that have been damaged, lost or stolen.
We help you prevent losses from happening again
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. In 2023, we invested more than $1 million alongside members.
We have unrivaled experience and expertise
Our Executive Adjusters have over 20 years of experience helping to resolve claims, and we have in-house experts who can assist with handling claims for fine art, historic homes, watercraft and other specialties.
We respond with empathy
We recognize the emotional impact large, devastating losses can have on an individual or family. So, we provide our claims team with specialized training for emotional intelligence and trauma-informed care, resulting in highly capable and empathetic care.
We have a network of service providers who can help you get back to normal faster
We aim to help our members return to normal as quickly as possible following a claim. We have a network of vetted and trusted service providers who can assist with emergency cleanup and restoration, tree care and removal, as well as repairs and reconstruction.
We prioritize fairness
While stockholder-owned companies are motivated to maximize underwriting profits for their investors, PURE is different. We base your premiums on your unique risk factors with no incentive for us to charge anything higher. 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 the membership through Subscriber Savings Accounts (SSAs).
We reward loyalty
We believe that our most loyal members deserve to pay less. As a result, after five years of membership, you no longer pay surplus contributions, resulting in savings. And, after 10 years of membership, as a PURE Gold member, you are eligible for cash distributions from your SSA.
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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94% renewal rate
Nearly 19 of every 20 PURE members renewed their membership in 2023.
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100,000+ members
Our membership is made up of more than 100,000 successful individuals and families from across the country.
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51 Net Promoter Score® in 2023
This reflects a highly engaged and enthusiastic membership and is nearly 30 points higher than the insurance industry average according to Satmetrix.
Here’s what our members are saying
“We had insurance with Chubb for 30 years and thought they were good. PURE is head and shoulders better in every way.”
FRED F.
Member since 2016
“Having multiple homes and having spent my career in the insurance business, I have some perspective on quality carriers...I have never seen a carrier as professional and as customer-focused as PURE...PURE will do all they can logically do to be sure the customer is pleased with their performance and your coverage.”
PAUL A.
Member since 2016
“Excellent Service! When you file a claim with PURE, you are no longer just a customer. You become a member with a whole team behind you who are dedicated to making you whole again.”
MICHAEL R.
Member since 2018
We think you’ll love it here
Learn more about the benefits of membership, read about our commitment to risk management and meet some of the remarkable people who make up our membership in our Annual Report.
