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A Smarter Model That Saves
You Money
PURE IN BRIEF
PURE is Built on
a Simple Idea
The most responsible owners of the finest built homes deserve to pay less without sacrificing quality of service.
The Advantage of Selectivity
We carefully select those who are least likely to have a claim, helping us deliver on our commitment to passing underwriting profits on to you as savings.
FEWER CLAIMS,
BETTER SERVICE
Your
Interests
PURE's Interests
Driven by Fairness
PURE is member-owned, which encourages us to focus on what's right for the membership.
"Not all of my friends would
qualify. For those that do, I highly recommend PURE."
Laura D. | Member Since 2015
On Day 1
Don't Take Our Word For it
Our Solution >
Contribute to PURE's
Financial Strength
Membership Milestones
Jewelry
Coverage
For the first five years, you
contribute a small amount of capital to help build PURE's financial strength. We call these "Surplus Contributions."
Nearly 85% of unscheduled jewelry losses exceed $5,000, a common limit among specialty carrier homeowners policies.
How Our Coverage
& Service Stack Up
We are the most awarded insurer in our class of specialty property and casualty insurers.
Private Asset Management
Best High Net Worth Insurance Company
2018 | 2019 | 2020
Let's Keep This
Conversation Going
If your home is insured for $1 million or more, find out if you qualify for PURE membership.
Or ask your independent insurance
broker about PURE.
CALL 1.888.513.0299
REQUEST A PROPOSAL
FIND A BROKER
Even including Surplus Contributions, members report an average savings of 20% on their homeowners premium when switching to PURE.
Enjoy savings of 20% or more on your homeowners premium
Every insurance company requires capital in order to prudently
manage the risk of the policies issued, but capital management strategies vary greatly depending
on the company’s ownership model. PURE is member-owned (policyholder-owned) and may allocate a portion of its capital to individual members through Subscriber Savings Accounts (SSA).
Your SSA
begins to grow
After five years of membership, you are no longer required to make surplus contributions.
Even more savings!
After 5 Years
After 10 Years
After ten years of membership, you become eligible to receive cash distributions from your SSA.
You are eligible for
cash distributions from your SSA.
1
2
Our Solution >
Too often, companies forgo opportunities todeliver the best service to control costs.
PURE Member
Advocates
®
Our Solution >
Very high pricing has historically discouraged individuals from selecting the right amount of coverage.
Personal
Excess Liability
Our Solution:
Our homeowners policy affords one of the most generous limits— with up to $50,000 for lost, misplaced or stolen jewelry.
Jewelry
Coverage
3
We’ve reimagined the service experience: From the moment you report a claim, your Member Advocate has expertise and authority to take immediate action, comprehend the full extent of your emotions and anticipate your unrealized needs.
®
Our Solution:
Famly Wealth Report
Best Insurance Underwriter
2016 | 2017 | 2018 | 2019 | 2020
Entrepreneur 360
Best Entrepreneurial Companies
in America
The Inc. 5000, Inc. Magazine
America's Fastest-Growing
Private Companies
Fortune | Great Plces to Work
Best Workplaces, Financial Services
& Insurance
1. Average annual savings for homeowners nationwide who reported prior carrier premiums from April ’19 to April ‘20. Actual savings, if any, may vary. Coverage not available in all states. 2. Allocations are assessed annually and are not guaranteed; however, PURE has made an allocation in each of the past eight consecutive years totalling more than $100 million. SSA allocations are subject to the approval of the Florida Office of Insurance Regulation. 3. Compared to other high net worth property and casualty insruance carriers. PURE® refers to Privilege Underwriters Reciprocal Exchange, a Florida-domiciled reciprocal insurer and member of the PURE Group of Insurance Companies. PURE Risk Management, LLC (PRM), a for-profit entity, serves as PURE’s Attorney-In-Fact for a fee. PURE membership requires an executed Subscriber’s Agreement & Power of Attorney. Visit pureinsurance. com for details. Trademarks are property of PRM and used with permission. ©2020 PRM. All Rights Reserved. 44 South Broadway, Suite 301, White Plains, New York 10601. PURE HNW Insurance Services, CA Lic. 0I78980.
Coverage Solutions
pureinsurance.com
888.513.0299
7AM – 9PM ET, Mon – Fri
8AM – 8PM ET, Sat
A Smarter Model
That Saves You Money
Membership Milestones
On Day 1
After 5 Years
After 10 Years
Contribute to PURE's financial strength
Enjoy savings of 20% or more on your homeowners premium
Your SSA begins to grow
Eligible for cash distributions
For the first five years, you contribute a small amount of capital to help build PURE's financial strength.
We call these "Surplus Contributions."
Enjoy savings of 20% or more
on your homeowners premium
How Our Coverage
& Service Stack Up
PURE Member
Advocates
Too often, companies forgo opportunities to deliver the best service to control costs.
Our Solution:
Our logical pricing model makes it easier for you to pick the limit that makes sense for you.
Very high pricing has historically discouraged individuals from selecting the right amount of coverage.
Personal
Excess Liability
Our Solution:
Our homeowners policy affords one of the most generous limits— with up to $50,000 for lost, misplaced or stolen jewelry.
Nearly 85% of unscheduled jewelry losses exceed $5,000, a common limit among specialty carrier homeowners policies.
Jewelry
Coverage
3
JEWELRY COVERAGE
JEWELRY COVERAGE
PURE MEMBER ADVOCATES
PURE MEMBER ADVOCATES
PERSONAL EXCESS LIABILITY
PURE HOME
SPOTLIGHT
Let's Keep This
Conversation Going
CALL 1.888.513.0299
If your home is insured for $1 million or more, find out if you qualify for PURE membership.
1
Even including Surplus Contributions, members report an average savings of 20% on their homeowners premium when switching to PURE.
Enjoy savings of 20% or more on your homeowners premium
2
Every insurance company requires capital in order to prudently
manage the risk of the policies issued, but capital management strategies vary greatly depending
on the company’s ownership model. PURE is member-owned (policyholder-owned) and may allocate a portion of its capital to individual members through Subscriber Savings Accounts (SSA).
Your SSA
begins to grow
After 5 Years
After five years of membership,
you are no longer required to
make surplus contributions.
Even more savings!
After 10 Years
After ten years of membership, you become eligible to receive cash distributions from your SSA.
You are eligible for
cash distributions from your SSA.
For the first five years, you
contribute a small amount of capital to help build PURE's financial strength. We call these "Surplus Contributions."
Contribute to PURE's
Financial Strength
On Day 1
Our Solution >
Too often, companies forgo opportunities todeliver the best service to control costs.
®
PURE Member
Advocates
Our Solution >
Very high pricing has historically discouraged individuals from selecting the right amount of coverage.
Personal
Excess Liability
Our Solution >
Nearly 85% of unscheduled jewelry losses exceed $5,000, a common limit among specialty carrier homeowners policies.
Jewelry
Coverage
Our Solution:
We’ve reimagined the service experience: From the moment you report a claim, your Member Advocate has expertise and authority to take immediate action, comprehend the full extent of your emotions and anticipate your unrealized needs.
PURE Member
Advocates
Our Solution:
Our logical pricing model makes it easier for you to pick the limit that makes sense for you.
Personal
Excess Liability
Famly Wealth Report
Best Insurance Underwriter
2016 | 2017 | 2018 | 2019 | 2020
Entrepreneur 360
Best Entrepreneurial Companies
in America
The Inc. 5000, Inc. Magazine
America's Fastest-Growing
Private Companies
Fortune | Great Places to Work
Best Workplaces, Financial Services
& Insurance
Enjoy savings of 20% or more on your homeowners premium
Your SSA begins to grow
Eligible for cash distributions
Contribute to PURE's financial strength
Even including Surplus Contributions, members report an average savings of 20% on their homeowners premium when switching to PURE.
1
Every insurance company requires capital in order to prudently manage the risk of the policies issued, but capital management strategies vary greatly depending on the company’s ownership model. PURE is
member-owned (policyholder-owned) and may allocate a portion of its capital to individual members
through Subscriber Savings Accounts (SSA).
2
After ten years of membership, you become eligible to receive cash distributions from your SSA.
Your SSA
begins to grow
Eligible for
cash distributions
Contribute to PURE's
financial strength
On Day 1
On Day 1
REQUEST A PROPOSAL
FIND A BROKER
Fortune | Great Places to Work
Best Workplaces, Financial Services
& Insurance
The Inc. 5000, Inc. Magazine
America's Fastest-Growing
Private Companies
Private Asset Management
Best High Net Worth Insurance Company
2018 | 2019 | 2020
We are the most awarded insurer in our class of specialty property and casualty insurers.
Don't Take our word for it
Or ask your independent insurance
broker about PURE.
CALL 1.888.513.0299
REQUEST A PROPOSAL
FIND A BROKER
Services
About Us
Newsroom
Services
About Us
Newsroom
CALL 1.888.513.0299
Famly Wealth Report
Best Insurance Underwriter
2016 | 2017 | 2018 | 2019 | 2020
Entrepreneur 360
Best Entrepreneurial Companies
in America
REQUEST A QUOTE
CALL 1.888.513.0299
PURE is built on a simple idea: The most responsible owners of the finest built homes deserve to pay less without sacrificing quality of service.
FIND A BROKER
LEARN MORE
LEARN MORE
®
FIND A BROKER
REQUEST A QUOTE
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for details
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REQUEST A QUOTE
CALL 1.888.513.0299
CALL 1.888.513.0299
PURE HOME
SPOTLIGHT
PERSONAL EXCESS LIABILITY
Our new member-exclusive report arms buyers with information about the integrity of a home including prior insurance claims and construction permits; risk factors such as wildfire and flood; and an indication of whether the home would be insurable with PURE.
Our Solution:
Lack of transparency in the home buying process can result in unexpected risks and issues that become apparent only after it's too late.
PURE
Home Spotlight
TM
Our Solution >
Lack of transparency in the home buying process can result in unexpected risks and issues that become apparent only after it's too late.
PURE
Home Spotlight
TM
Our Solution >
Lack of transparency in the home buying process can result in unexpected risks and issues that become apparent only after it's too late.
TM
PURE
Home Spotlight
Our Solution:
Our new member-exclusive report arms buyers with information about the integrity of a home including prior insurance claims and construction permits; risk factors such as wildfire and flood; and an indication of whether the home would be insurable with PURE.
PURE
Home Spotlight
TM
Our Solution >
Lack of transparency in the home buying process can result in unexpected risks and issues that become apparent only after it's too late.
PURE
Home Spotlight
TM
Our Solution >
Lack of transparency in the home buying process can result in unexpected risks and issues that become apparent only after it's too late.
TM
PURE
Home Spotlight
Our Solution:
Our new member-exclusive report arms buyers with information about the integrity of a home including prior insurance claims and construction permits; risk factors such as wildfire and flood; and an indication of whether the home would be insurable with PURE.
PURE
Home Spotlight
TM