Comprehensive Review of PURE Homeowners Insurance

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Comprehensive Review of PURE Homeowners Insurance

I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of 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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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.

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:

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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.

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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

StatesAverage Annual Home Insurance RatesAverage 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.