PURE provides coverage for high value homes, automobiles, jewelry, art, personal liability and watercraft to successful individuals and families. PURE was formed in 2006 on the premise that owners of large, well-built, well-protected homes were paying too much for their insurance. Since its inception, PURE has been able to save high-value homeowners an average of $3,202 annually while often improving coverage and service.* We expect to provide similar combination of coverage, service, and value to our Tri-State members.

At PURE, when a claim is reported, members typically speak with an adjuster on that very same day. We also offer a personal Member Advocate who helps you deal with the administrative hassles of a claim. The Member Advocate will work on your behalf to organize contractor estimates, assist in the preparation of inventories, secure alternative accommodations, and ensure that you are not further inconvenienced by the loss. When surveyed for feedback on the claims process, 100% of the respondents said they would recommend PURE to someone else.

Many people don’t buy enough insurance to rebuild their home or replace their contents. Others (particularly vacation homeowners) buy far more insurance than is needed. PURE offers flexible coverage limits and options for deductibles. We work with some of the best agents and advisors in the business to help you get it right.

PURE is committed to both lowering the cost of insurance today and reducing the cost of risk over the long-term. PURE’s coverage is among the broadest in the industry and is often priced substantially below other insurance companies. We provide significant benefits not offered by other providers such as no mandatory hurricane deductibles and $10,000 in coverage available for valuables stolen from a home safe. In addition to covering the costs to repair or replace damaged property, PURE will contribute up to $2,500 to assist in loss prevention. For condominium and cooperative units, PURE will also pay up to $25,000 for damage caused to a neighboring unit, even if the PURE member is not legally liable. In the event of a covered loss that exceeds your deductible, PURE will even pay up to $50,000 in additional costs for environmentally friendly upgrades. [Different coverage applies in SC & FL].

A.M. Best, the leading rating services company for the insurance industry, represents the current and independent opinion of a company’s financial strength and ability to meet obligations to policyholders. A rating is assigned after an extensive quantitative and qualitative evaluation of a company’s financial strength, operating performance and market profile. We are proud to have earned this prestigious rating.

As a reciprocal insurance exchange, PURE is member-owned. PURE and the PURE Group of Insurance Companies serve more than 4,000 members who enjoy the security of approximately $100 million of surplus capital. As a member owned company, policyholders receive numerous benefits including stable and consistent pricing, profit distribution and company oversight by a Subscribers Advisory Committee. The Subscribers Advisory Committee consists principally of PURE members and assures that the voice of membership is heard in making company decisions.

PURE agents have a thorough understanding of the personal insurance needs of successful individuals and families. Well versed on PURE’s unique product suite, a local independent agent can offer solid advice and help you find the coverage that’s right for your needs. All PURE appointed agents are approved to represent PURE after satisfying strict quality standards. We are proud to be aligned with some of the best agents in the industry.