Comprehensive Review of PURE Homeowners Insurance
The PURE insurance company provides coverage for luxury in 48 states. It is a member-controlled company, and applicants may face difficulty getting approval. You can't get a free quote from the PURE insurance website, but you can shop online for free quotes from other major insurance companies.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Mar 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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.
Read more: Hippo Home Insurance Review: Cost, Ratings, and Quotes
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 by State
| 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 |
Read more:
- A Comprehensive Kansas City Life Insurance Review
- Top 5 Homeowners Insurance Companies in Illinois
- Top 5 Homeowners Insurance Companies in California
- Who Are The Best Homeowners Insurance Companies Near Me?
- 5 Best Homeowners Insurance Companies in Massachusetts
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.
Enter your ZIP code below to view companies that have cheap insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.