PURE Insurance review 2025
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At a glance
Home
4.1
Cost & ratings
3.8
Coverage
4.3
Support
4.5
About Bankrate Score
Bankrate's take
Policyholders with high-value cars and homes who don't mind paying extra for the highest-quality coverage might consider PURE as their company of choice.
- PURE offers a unique agreed value feature for total vehicle loss, meaning you're paid a pre-decided amount with no deductible, ensuring full vehicle value compensation.
- Repairs under PURE policies use original equipment manufacturer parts, ensuring your luxury vehicle maintains its integrity and value after servicing.
- PURE provides extensive coverage for rentals or borrowed vehicles globally, ensuring property and liability protection alongside convenient rental arrangements during vehicle repairs.
- PURE offers guaranteed home replacement so your luxury home can be rebuilt to its original standards without worrying about coverage limits.
New
- In August 2023, PURE was named one of the Top Insurance Employers by Insurance Business America. The company has also been on the list of top companies to work for in Arizona for five consecutive years and on the list of the best places to work in South Carolina for six consecutive years.
- On Feb. 27, 2024, PURE Programs launched a new insurance solution for high-value homes undergoing construction or renovation, catering to projects valued up to $30 million. This customizable program addresses the unique challenges and risks associated with luxury property construction, including those in areas prone to extreme weather. It offers comprehensive coverage from the project's start to completion, with the support of a Resilient Home Advisor to ensure optimal protection throughout the construction process.
- In September 2024, PURE Insurance expanded its coverage into Canada, launching a Toronto-based office. PURE plans to insure Canadian homeowners with property values of at least $2 million, although coverage is limited to Ontario. This marks the company’s first international expansion. PURE plans to offer auto insurance and expand into other provinces in the future.
PURE car insurance review
PURE car insurance does business in all 50 states and could be one of the best auto insurance companies for drivers with a high net worth. PURE allows policyholders to insure multiple types of vehicles — including standard vehicles, luxury vehicles and even golf carts — on one policy. The company has several unique add-ons that may be helpful to high-net-worth individuals, especially those who travel often.
PURE offers a wide range of coverage options. The company provides the standard options of collision, comprehensive, liability, medical payments and uninsured and underinsured motorist coverage. In addition, policyholders can purchase agreed value coverage, extended transportation expenses, original equipment manufacturer (OEM) coverage and worldwide rental coverage — which gives policyholders the ability to rent or borrow a vehicle anywhere in the world.
Pros and cons of PURE car insurance
PURE could be a good choice for some clients, but it’s not likely to be the best option for everyone. If you’re in the process of getting car insurance quotes and comparing companies, here are some of the pros and cons of PURE car insurance:
Pros
- Unique coverage options tailored to high-net-worth individuals
- Member Advocates service provides additional support during claims
- Local agents available
Cons
- No online quotes
- Qualifications for coverage may be based on net worth
- Not rated by J.D. Power for customer or claims satisfaction
PURE car insurance cost
Average rates are unavailable for PURE car insurance. To find out how much you might pay for PURE auto coverage, you’ll need to contact the company for a quote. For comparison purposes, the average cost of car insurance in the U.S. is $2,685 per year for full coverage and $800 per year for minimum coverage. PURE insurance premiums are likely to be somewhat higher since the company focuses on insuring high-value vehicles and offering high-quality coverage.
PURE customer satisfaction
When shopping for home insurance, you may want to review third-party rating information for the companies you are considering. AM Best rates companies for financial strength, which reflects their historical ability to pay claims. PURE has an A (Excellent) rating from AM Best, just two levels below the highest rating level of A++.
J.D. Power is a consumer data analytics company that reviews insurers across a range of metrics. Likely because PURE’s target customers are such a specialized group, it wasn’t rated in J.D. Power’s customer satisfaction survey or claims satisfaction survey for auto insurance.
PURE auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) calculates complaint indexes for each insurer based on grievances filed by consumers. The industry average is 1.00. Anything above that indicates a higher-than-average number of complaints, while anything below 1.00 means the company has fewer complaints than average.
In 2023, PURE received a score of 0.34 on its private passenger (personal auto) insurance product. This means that the NAIC received fewer-than-average complaints regarding PURE’s service, including its claims service, which could provide potential policyholders with peace of mind.
PURE car insurance discounts
If you’re looking for ways to save on your car insurance, discounts could be one of the easiest options. Most car insurance companies offer at least a few discounts that may be easy to qualify for, and PURE is no exception. However, PURE only highlights a few discounts on its website.
These include:
- Insuring more than one vehicle
- Insuring a child that attends college without taking a vehicle
- Limiting the time spent driving your collector car
More savings opportunities may be available, but you’ll need to speak directly with PURE to find out what discounts you qualify for.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
PURE home insurance review
PURE home insurance coverage could be a good choice for those with homes valued at $1 million or more. For homeowners with a high net worth, searching for the best home insurance may be a bit more complicated. Shopping around and comparing home insurance quotes could be helpful, but high-value homes often have unique features that require specialized coverage.
PURE understands this and strives to provide home insurance options that can be customized. The company offers flexible rebuilding options so that you can choose whether to rebuild your home or receive a cash settlement in the event of a covered loss. PURE also offers guaranteed home replacement cost, jewelry coverage, broad coverage for sewer and drain backups, flexible deductible options and coverage to help you prevent losses that have previously occurred.
Pros and cons of PURE homeowners insurance
Understanding a company’s perks and drawbacks could be a good way to get a holistic view of what your experience with that insurer may look like. These are some of the pros and cons of PURE home insurance that Bankrate found noteworthy:
Pros
- Policies are specifically built with high-value homes in mind
- Policies include many standard coverage types that are often optional with other carriers
- Member Advocacy services may help you prevent or minimize damage and recovery after a claim
Cons
- Homes under $1 million may not qualify for coverage
- Not rated by J.D. Power for customer or claims satisfaction
- Quotes are only available by phone or with a local agent
PURE home insurance cost
Since PURE home insurance is specifically designed to cover luxury homes, it’s no surprise that its average premiums are higher than the national average cost of home insurance. PURE’s average rate is $2,619 per year for a policy with $300,000 in dwelling coverage, while nationally, home insurance costs $2,267 for the same coverage. For a higher-value home with $750,000 in dwelling coverage, PURE’s average rate is $4,635 per year, compared to the national average of $4,399 per year. Keep in mind that these rates are for guidance and comparison purposes only. Not all homes will qualify for PURE coverage.
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|---|---|---|
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$150K dwelling
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PURE average premium
$1,997
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National average premium
$1,370
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$300K dwelling
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PURE average premium
$2,619
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National average premium
$2,267
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$350K dwelling
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PURE average premium
$2,828
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National average premium
$2,534
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$450K dwelling
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PURE average premium
$3,250
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National average premium
$3,066
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$750K dwelling
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PURE average premium
$4,635
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National average premium
$4,399
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Compare PURE homeowners insurance rates
Homeowners insurance rates differ from one company to another, depending on factors like the value of the home, coverage selections and the insurer's risk assessment. PURE, known for insuring high-value properties and offering comprehensive coverage tailored to high-net-worth individuals, tends to have higher rates than the national average and many other major insurers. This reflects PURE's specialized services and coverage options designed to meet the unique needs of luxury homeowners.
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|---|---|---|
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$2,619
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+ $352 |
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$2,088
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- $179 |
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$2,206
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- $61 |
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$1,254
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- $1,013 |
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$2,129
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- $138 |
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$1,858
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- $409 |
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$3,121
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+ $854 |
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$2,062
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- $205 |
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$2,535
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+ $268 |
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$1,711
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- $556 |
PURE customer satisfaction
When evaluating home insurance options, reviewing third-party ratings can offer valuable insights. AM Best assesses financial strength, indicating an insurer's capacity to fulfill claims, with PURE securing an A (Excellent) rating. However, PURE hasn't been evaluated by J.D. Power, possibly due to its niche market of high-net-worth individuals, focusing on specialized insurance needs.
PURE home insurance customer complaints
The company’s current NAIC complaint Index for home insurance is 0.08. This is far lower than the baseline of 1.00 and indicates a generally high level of satisfaction with PURE’s service. These low complaint numbers may not be surprising, considering PURE’s dedication to personalized service before and after a claim.
PURE home insurance discounts
Many homeowners seeking cheaper home insurance use home insurance discounts as a way to lower their premiums. PURE notes that it offers home insurance discounts, but doesn’t list specific ways to save on its website. You may be able to speak with a PURE agent to find out how you can save on your policy.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with PURE
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare PURE with other insurers
PURE Insurance Company won’t be the right choice for everyone. If you’re interested in exploring other options, you may want to consider the following providers.
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Featured
PURE
4.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.8Coverage 4.3Support 4.5 |
Chubb
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.0Coverage 4.8Support 4.2 |
State Farm
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.3Coverage 3.8Support 4.5 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Privilege Underwriters Reciprocal Exchange, or PURE Insurance, is a relatively new provider with coverage that’s tailored to individuals with a high net worth. The company offers a wide range of insurance policies for high-value vehicles, homes and items, but may not be a prudent choice for the average American.
Read More
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Chubb is another major player in the high-value insurance space and even won a Bankrate Award for best high-value home insurance. Chubb’s Masterpiece policy offers robust auto and home insurance offerings, including risk consulting. During a risk consultation, a trained Chubb risk consultant will come to your home to help you identify potential losses and implement preventative measures.
Read More
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State Farm offers home, auto and life insurance and is consistently one of the highest-rated insurance providers on the market. However, while State Farm may provide adequate coverage for high-value homes and vehicles, its products aren’t tailored to the needs of high-net-worth clients.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Local agents available
Tailored options
Member Advocates claims support
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Complimentary home assessment
Below-average NAIC complaints
Multiple options for coverage
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Numerous discounts offered
Below-average NAIC complaints
Offers banking and investment
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| No rates available | $3,541 |
$2,910 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored | Not Scored |
710/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,619 | $3,121 |
$2,088 |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
773/1000 |
661/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| Not Scored |
A++(Superior) |
A++(Superior) |
Why you can trust Bankrate
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is PURE a good insurance company?
Each year, Bankrate’s insurance editorial team conducts honest and comprehensive carrier reviews to help you choose the best insurer for your needs. PURE could be one of the best insurance companies for wealthy individuals. The company’s Member Advocates are among its most outstanding features. These individuals are essentially personal insurance concierges who can guide you through identifying risks, preventing damage, recovering from losses and more. PURE doesn’t have an online quoting option, though, and it isn’t available for standard clientele. PURE may not be right for everyone, but if you have a high net worth, PURE’s products are designed specifically with your needs in mind.
What are real-life customers saying about PURE?
To understand the real-world experiences of PURE Insurance policyholders, we have scoured the internet for customer reviews. Review forums allow individuals to share their personal interactions with PURE, offering a glimpse into the insurer's service quality, responsiveness and claim-handling processes. Given PURE Insurance's niche market focus, customer feedback is less abundant compared to more mainstream insurers.
However, the experiences that are shared highlight PURE's proactive approach to managing high-value properties and vehicles. One Trustpilot review praises PURE for sending a specialist to suggest cost-saving measures and for efficiently handling claims. A Reddit post discusses initial communication hurdles following an accident with a PURE-insured driver but eventually reports a positive resolution once direct contact with a PURE adjuster was established. These accounts suggest PURE's commitment to its clientele, despite some initial communication challenges.
PURE company details
For detailed company information, including contact numbers and addresses, refer to the list below:
- Customer service: 1-888-813-7873 or memberservices@pureinsurance.com
- Claims: 1-888-813-7873 or claims@pureinsurance.com
- Risk management services: riskmanagementservices@pureinsurance.com
- Art collection services: artservices@pureinsurance.com
- Member advocacy services: memberadvocate@pureinsurance.com
- Website: pureinsurance.com
- Address: PURE Insurance, P.O. Box 480, Elmsford, NY 10523
State availability
PURE insurance is available nationwide. Specific product offerings may vary by location, so check with PURE to see what products and coverage types are available in your area.
PURE tools and benefits
If you’re considering PURE Insurance, the following perks may stand out and help you make your decision.
- Mobile app: PURE’s mobile app allows you to file and track claims, access your insurance documents, pay bills and make some changes to your policies.
- PURE Art Services: This service may be useful if you need help preserving, enhancing, managing or creating valuations for your art collection.
- Watercraft coverage: If you have a sailboat, yacht or anything in between, PURE’s watercraft coverage may be of interest.
- Identity theft coverage: Identity theft is becoming more common. Identity theft coverage could help you protect your finances and restore your identity.
- Condo and co-op insurance: This coverage is specifically tailored to condo and co-op style homes and the unique risks that they face.
- Member Advocates: PURE Member Advocates are available to help PURE members book rental cars, locate repair facilities, communicate with other drivers’ insurers and reduce the administrative tasks that come with vehicle ownership.
- Situation Room: This 24/7 resource alerts policyholders via email or phone when they are in the path of a hurricane, wildfire or other major risk. It offers resources, advice and the assistance of a PURE member advocate as needed for the situation.
- Home Spotlight: This allows policyholders to request a report that provides data and insights on property-specific risks like flood or fire, information on past insurance claims and building permits, as well as insurability.
- Risk management and loss prevention: PURE risk managers can consult with homeowners to identify risks and make recommendations on how they might better protect their property. They can also provide a valuation to help you determine appropriate coverage limits.
- Systems home protection: This endorsement includes coverage for losses caused by mechanical and electrical systems breakdowns and allows you to replace damaged equipment with a new unit that is more environmentally friendly or safer.
Frequently asked questions about PURE Insurance
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about PURE
PURE has 49 reviews
Dive into community reviews below and see what others think about PURE.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
