Comprehensive Review of PURE Homeowners Insurance

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 24, 2022

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Here's the Scoop

  • PURE Insurance doesn’t offer online quotes
  • They are a member-controlled, property and casualty insurance company
  • PURE has insurance products designed for affluent clients

Your home is your castle, so it makes sense that you would want the best homeowners insurance policy available. However, it can be challenging to find adequate coverage if you own a luxury home. Thankfully, PURE Insurance reviews like this can help you determine if PURE is the best fit for your coverage needs.

Keep reading this PURE insurance review to learn more about this insurance company and its homeowners coverage offerings.

Table of Contents

What is the PURE insurance company?

PURE is an acronym that stands for Privilege Underwriters Reciprocal Exchange. Founded in 2006, it is a member-owned company that operates much like a mutual insurance firm.

The rates paid by PURE members get pooled together to pay for any claims a member files. If leftover funds remain after PURE pays claims, the remainder gets deposited into member accounts called subscriber savings accounts.

The amount distributed is proportionate to the total premiums paid for the year. PURE can use this money for future claims. If a member cancels their PURE policy, PURE distributes the funds back to the member from their account.

Anyone can apply for a PURE policy, except for residents of these states:

  • Alaska
  • Idaho

PURE aims its products at affluent and low-risk consumers, so getting a policy may be more difficult than purchasing a home insurance policy through a company like State Farm or Hippo.

Most insurance companies rely on underwriters to determine which applicants get coverage, but PURE employs the Subscribers Advisory Committee — a committee of appointed members — to help determine the company’s future and keep membership central to the company’s operations.

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What coverage does a PURE insurance policy offer homeowners?

While not many types of homeowners insurance policies are available, members can take advantage of PURE’s High Value Home Insurance coverage to protect their high-value homes.

This insurance plan provides comprehensive coverage for luxury homes and coverage not usually seen in traditional home insurance policies. The High Value Home Insurance plan provides:

  • Personal Property Guaranteed Replacement Cost Coverage
  • Sewer and Drain Backup Coverage
  • Equipment Breakdown Protection
  • Preventative Actions Coverage
  • Extended Jewelry Coverage
  • Damage to Neighboring Property Coverage
  • Pet Medical Coverage

PURE members can rebuild their home, replace it, or take a cash settlement. Of course, this is not the only coverage available to high-end homeowners. PURE members can also purchase jewelry, art, collections, and personal excess liability umbrella insurance.

Jewelry, Art, and Collections Insurance

This coverage goes beyond the limits of a PURE homeowners insurance policy, as it protects personal property like high-value collections and is available worldwide. It also includes itemized costs and blanket coverage for lost or damaged jewelry.

Personal Excess Liability Umbrella Coverage

This coverage extends the limits of a PURE member’s personal liability beyond the coverage offered by a home or auto policy through PURE. A PURE member can purchase up to $25 million in coverage.

Are PURE insurance rates affordable for homeowners?

Quotes are not readily available through PURE, but you don’t have to wait to start planning your budget around a home insurance policy. You can review the average rates for home insurance in your state here:

Average Homeowners Insurance Rates

States Average Annual Home Insurance Rates Average Monthly Home Insurance Rates
Virginia $1,057 $88
New York $1,068 $89
California $1,127 $94
Ohio $1,164 $97
Alaska $1,171 $98
Maryland $1,191 $99
West Virginia $1,192 $99
Indiana $1,195 $100
Connecticut $1,208 $101
South Carolina $1,235 $103
Rhode Island $1,261 $105
Arizona $1,269 $106
Michigan $1,288 $107
Massachusetts $1,323 $110
Iowa $1,371 $114
North Carolina $1,409 $117
Illinois $1,436 $120
Georgia $1,445 $120
Florida $1,637 $136
Alabama $1,668 $139
Tennessee $1,745 $145
Missouri $1,794 $150
Texas $1,846 $154
Mississippi $1,860 $155
Louisiana $1,874 $156
Minnesota $1,877 $156
North Dakota $1,898 $158
Colorado $1,899 $158
Montana $1,957 $163
South Dakota $2,126 $177
New Mexico $2,134 $178
Kentucky $2,174 $181
Arkansas $2,291 $191
Nebraska $3,234 $270
Kansas $3,288 $274
Oklahoma $3,482 $290
Hawaii $383 $32
Vermont $665 $55
Utah $706 $59
Delaware $732 $61
New Hampshire $739 $62
Oregon $756 $63
Pennsylvania $758 $63
New Jersey $793 $66
Nevada $852 $71
Wyoming $870 $73
Washington, D.C. $893 $74
Wisconsin $933 $78
Idaho $934 $78
Maine $951 $79
Washington $964 $80

Since PURE is aimed at an affluent clientele, you can assume that policy rates may be expensive compared to common insurance companies like Allstate or Nationwide.

Is it easy to file a claim for a PURE insurance policy?

Oddly enough, PURE doesn’t offer an online claim reporting tool. Instead, PURE members must email [email protected] or call the PURE claims department at 888-813-7873.

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What You Need to Know About PURE Homeowners Insurance

PURE is an insurance company controlled by its members. These members tend to be affluent and own luxury homes. Purchasing a PURE policy isn’t easy, as this organization is selective about extending membership.

If you are looking for traditional home insurance, PURE may not be a good fit. However, you can shop online to find coverage for your specific needs.