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Why PURE is brighter.Last year our members reported an average savings of $4,700 on their homeowners insurance. There are many reasons why PURE is a brighter idea - here are 5 undeniable ones: Click a Question/Statement to Expand
1. We're highly selective.
We know that large homes built to the latest building codes sustain less damage from hurricanes than the typical coastal home. Learn More »
We know that families with more cars than drivers can't be driving all cars at once and deserve a better price. We know a great deal about insuring successful families and we use that insight to carefully select a distinguished membership. By doing so, we reduce the cost for all members.
2. We're new AND we're secure.
PURE has been rated A- (Excellent) by A.M. Best and is led by a team of professionals widely recognized as the most experienced and accomplished in this niche. For all of the advantages of our experience, we benefit from our fresh start. Learn More »
We are not saddled with technology from the past and we are not burdened with a legacy book carrying policies that do not fit our strict criteria. With improvements in building codes and increased knowledge about risk, virtually every insurance company would covet the green field of PURE.
3. Our coverage is designed with your input to fit your needs.
Many people don’t buy enough insurance to rebuild their home or replace their contents. Others (particularly vacation home owners) buy far more than is needed. We empower our members to buy the right amount – not more, not less. Learn More »
Insurance companies have tried to make things simple by creating comprehensive policies that include generous limits for coverage that most people won’t ever need. As premiums have risen along the coast, the cost of this additional coverage has become expensive. If you are insuring your second home, give consideration if you want the carrier to pay for a hotel or other expenses if you can’t live in that home. If you don’t have a guest house or other valuable structures, look to reduce the “automatic” coverage grant. If you can afford a higher deductible, investigate the potential premium savings. By buying less coverage in some areas, you can more easily afford more coverage where you might need it. We work with some of the best agents and advisors in the business to help you get it right.
4. Our policyholders are members. And the members own PURE.
Stock insurance companies exist to maximize the wealth of their shareholders. Our mission is simple: Through innovative products and expert advice and service, we are committed to helping our membership lower the price of their insurance today and reduce their overall cost of risk for the long term. Learn More »
We're off to a good start with our mission. Last year, our members reported an average savings of $4,700 on their Homeowners premiums. We may not be able to alter the fundamental conflict in the insurance industry, but we do believe that a company managed for benefit of its policyholders will always be at an advantage.
5. We're creating a new standard of service.
We believe that the opportunity exists to exceed all expectations of our membership. Learn More »
We offer a our unique Member Advocate (who helps you deal with the administrative hassles of a claim) and an exciting commitment to prevent losses (In fact, after certain property losses, we not only pay the cost to repair or replace damaged property we contribute to the cost to prevent the loss from happening again). It may seem that we've thought about almost everything - including the simple things, like letting our members pay their premium with a credit card. Read what our members are saying about PURE.
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